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Homeowner’s Academy
This is your guide to interesting facts, tips and general homeowner information. We hope you find the information useful – and feel free to share with friends!

Moving and Home Insurance

Spring cleaning often comes with a fresh coat of paint. Painting can be a great way to change the feel of a room or give your home some great curb appeal. Painting also plays a role in home repair by protecting the wood of your home against the elements, essential here in Florida.

If you decide to try your hand at painting this spring, People’s Trust has some tips that can keep the experience enjoyable and safe for everyone in your family.

Try Some Eco-friendly Paint

Spring conjures up the sniffles for many people in the great outdoors, but paint may do the same thing inside of your home. Household paints have previously contained up to 300 toxic chemicals, including the hazardous volatile organic compounds (VOCs) that release particles into the air for years after you paint.

Try a low-VOC paint, which tends to be water-based, for any home interior painting. These have taken off in recent years and come in every shade and finish imaginable. Some brands also create no-VOC paints by replacing chemicals with more natural ingredients. These no-VOC paints are often pet-safe, but always check the label and never leave your pet unattended in a room where paint cans are open.

Home Repair Supervision

If you have children, never let them be in a room with open paint cans by themselves. If children are under the age of 10, they should never be in a room with any open painting materials. Even eco-friendly paints are extremely dangerous if ingested. If you believe your child has ingested any paint, immediately call poison control at 1-800-222-1222.

Try Cloth Catchers for Indoor and Outdoor Painting

You can pick up plastic sheets to protect your floors and lawn, but these often move and tear as you walk around painting. Turn to cloth or canvas drop cloths that will stay in place easier and can be weighed down with objects without the risk of tearing.

For painting the outside of your home, try a tarp with tie-holes. These can be staked into the ground to provide a steadier surface for a ladder.

Ventilate: Make Room to Breathe

If you’re painting inside, open the doors and windows. If your room has a fan, turn it on. You want proper ventilation for any space you’re painting to help air out the room and not breathe in paint fumes. If you can’t ventilate where you’re working, get a respirator and only paint in short stints.

Ventilation is essential to most common home repair improvements.

Stick to the Shade

If painting outside, you know that you need to take a break in the shade, but what about your materials? Paint, paint thinner and lacquer all need to stay in the shade as much as possible when painting outdoors.

Not only can heat and sun alter some of these items when they’re sitting in the can, but heat can also be a big problem for these flammable items. The city of Las Vegas actually warns its citizens to be careful when painting their homes or canvases outside because paint thinner has been ignited by the sun and started home fires.

Clean Up after Home Repairs

When you finish painting for the day, clean up the entire space. This will prevent spills and any accidental exposure.

Latex paints can typically be cleaned from surfaces and your skin with soap and water. Oil-based paints will have specific cleaning instructions located on the paint can itself. Take a look at your can before you start painting and write down what it says, because paint often spills on the outside of the can during the painting process.

Gasoline was once used to clean paint off of brushes, but this should never be used. Gasoline is extremely dangerous and should never be used as a cleaner for any object.

It’s always a smart practice to clean up and watch your space clearly when doing any home repair project.

Insurance may not be your first thought when you start thinking about buying a house or moving. But don’t let it be your last! It’s important that you make sure you take into consideration your homeowner’s insurance when you are moving, as it does not just ‘move with you’ to your new home. Your homeowner’s insurance company and/or agent will need to know details about your new home, like its age, construction material, type of roof, square footage, and interior footage. They will also need detail of your mortgage lender. Here are some helpful FAQs (frequently asked questions) we have put together regarding homeowner’s insurance and moving.
Can you transfer your current policy to your new home, or do you need a new one?
If you are moving, you will need a new homeowner’s insurance quote and policy. Call your Insurance Agent for a quote.

Who should I contact if I plan to move?
You should contact your insurance company or insurance agent to advise them of your plans to move in order to get a new quote for your new residence and provide them with a date to end your current insurance on your previous residence. You will also need to talk with your mortgage company, if applicable.

How much will insurance for my new home cost?
This depends on your home and its features, each homeowner’s insurance policy premium varies, and you must get a quote to find out how much your individual policy will be.

I am a first-time homeowner; when can I get a policy for my new home?
Your insurance company can write a policy when you are within 45 days of the closing date, and the effective date must be within 30 days from the time they close to the time you move in.

What do first-time homeowners need when they call to get a policy?
You will need the address of the new home purchase, the projected close date, and any wind inspections the prior owner may have (if applicable).

I have a policy on the home I currently have, but I am moving to a new home – how can I get a policy on my new home?
Call your insurance agent with the address and closing date of the new home, and they will work with you on the coverage you need and can afford.

Disclaimer: The following are some FAQs and are not meant to (and do not) provide coverage or indefinite details on how to provide secure coverage to your home when you move.  You should always consult an insurance agent when purchasing homeowner’s insurance.

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Deerfield Beach, FL 33441-6270

 

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