6 Flood Insurance Myths Debunked

(TNS)—If a flood swamps your home, will insurance cover the damage?

That depends on the value of your home, the amount of water damage and whether you have a flood insurance policy.

Regular home insurance doesn’t cover flooding. You’ll need a policy offered through the government’s National Flood Insurance Program (NFIP)—but note that those top out at $350,000 in coverage for your home and its contents. For higher amounts, you may need supplemental coverage to protect your savings from taking a hit.

People tend to associate floods with a total loss, but the average flood claim for U.S. homeowners is about $39,000, according to the NFIP.

Here are six other persistent myths about flood insurance—and the truths you need to know.

To Get a Policy, You Must Live in a Flood Plain
Not true. If you live in a flood plain, your mortgage company will likely require you to buy flood insurance, but you can purchase it even if you don’t live within a flood zone.

“Almost anybody can get flood insurance who wants flood insurance,” says Chris Hackett, director of Personal Lines for the Property Casualty Insurers Association of America.

The price through the federal flood insurance program is based on standardized rates and depends on the home’s value and whether or not it’s in a flood plain, says Don Griffin, vice president of Personal Lines for the Property Casualty Insurers Association of America.

The average price for flood insurance is about $660 annually. Your agent can help you buy a policy and may accept payment by credit card.

According to Griffin, one in four flood claims is for a home not in a flood plain.

Flood Insurance Is Just for High-Risk Areas
Merle Scheiber’s dream home wasn’t in a flood plain, and he didn’t have flood insurance.

Just after completing a three-year renovation project for his 1,800-square-foot, cabin-style home, flooding put it underwater for almost four months.

Scheiber, who happened to be South Dakota’s director of Insurance at the time, says he had to tear the home apart and put it back together all over again.

He urges that all homeowners—even those who do not live in designated flood plains—weigh the dangers and their options and seriously consider buying flood insurance.

Flood Insurance Covers Everything
Not necessarily. When it comes to the physical structure of your house, federal flood insurance policies top out at $250,000. If you have a $300,000 house that’s a total loss because of a flood, the most you can recoup through the program is $250,000 to cover the structure itself.

For your personal possessions, the cap is $100,000 under the federal program.

If you already have insurance through the federal program, then you can buy “excess flood insurance” through a private carrier that would cover claims above the national limits. In essence, it’s a flood policy with a $250,000 deductible, Griffin says.

Note that flood insurance doesn’t cover living expenses if you have to relocate while your home is being repaired.

My Homeowners Policy Covers Floods
“Unfortunately, a lot of folks may be under the impression that their standard homeowners policy might cover flood damage,” Hackett says. But the standard policy doesn’t.

The typical home insurance policy doesn’t cover earthquakes or floods, so a homeowner wanting coverage for either of those disasters will need to pick up separate, specific coverage against those types of disasters.

If you want flood insurance, it pays to think ahead. There is a 30-day waiting period between when you buy the coverage and when it kicks in. When a hurricane is bearing down on your area, it’s too late to get a flood policy.

Water Damage Is Water Damage
When it comes to your insurance, not all water damage is the same.

If there’s a storm and your “roof comes off and water comes through, that would be covered under your homeowners policy,” Hackett says, “versus a flood situation where the riverbank overflows and you look out of the front of your house and you need a boat to get from point A to point B.”

Most consumers “have a pretty good understanding” of how to draw the line between storm damage and flood damage, he says.

Some homeowners policies offer an optional “water-backup endorsement” that covers damage from water backing up into your home from causes such as a broken sump pump.

Flood Maps Don’t Change
Flood plains (and flood plain maps) change and evolve. Just because you weren’t in a flood plain when you bought your home a few years ago doesn’t mean you’re not in one now.

There are a couple of ways you can find out about your flood risks.

  • gov: This site will allow you to put in your address and see if it’s in a flood plain, and give you information on risks, premiums and agents. But use it as one tool, not the final word on whether your home is in a flood plain.
  • Your insurance agent: When it comes to researching whether your home is in a flood plain, you definitely want someone knowledgeable to research the question for you—and, you might want to get a second opinion from a different agent.

“Agents have different levels of sophistication with regard to this product,” says Griffin. “You get a different answer sometimes. So you make a couple of checks to make sure you’re protecting yourself.”

©2017 Bankrate.com

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5 Life Hacks Using Smart Home Devices

Editor’s Note: This was originally published on RISMedia’s blog, Housecall. See what else is cookin’ now at blog.rismedia.com:

Clean floors and fresh java are hardly the coolest things you can get from using smart devices like robotic vacuums and automatic coffee makers in your home. Whether you’re already benefitting from smart devices or not, here are some unexpected ways you can harness this smart tech to spice up your home.

  1. Handy Diet Helper
    Door sensors aren’t just for keeping burglars out of your house—they can also help you stick to a diet plan. If you’re counting calories, try adding a sensor to the door of your fridge or cupboard where you keep all the most tempting snacks. This clever hack helps keep you honest whether you’re watching your waistline to get back into your favorite jeans or trying to improve your health after your latest physical.

Vivint offers sleek, discreet door sensors that you can easily add to any door—including your fridge and cupboard doors—and once in place, they’re barely noticeable. If you’ve tried and failed to stick to a healthy regimen, then these sensors could be the extra item you need to be accountable for your diet plan and to be as successful as possible. You can also set up alerts that let your support system of friends and family members know when you’re perusing the fridge for a snack so they can give you a friendly reminder to go for something healthier.

  1. Smart Sleep Aid
    Sometimes, you may struggle to get your zzzs, and a pattern of restless nights can affect your work, health, and attitude. Rather than turning to pharmaceuticals to get your full eight hours, try resetting your body’s natural circadian rhythm with smart lighting that mimics the sun’s rising and setting patterns.

Lighting Science offers bulbs that can make this goal easier to attain. The bulbs give off light that doesn’t interfere with melatonin production and complements your body’s biological circadian rhythm, allowing you to get quality sleep each night. Pair their nighttime and morning bulbs with a smart lighting switch like the Caséta Wireless dimmer and correlating app so you can set your household’s bedtime and wake-up calls with just the swipe of your finger. It’s an ideal solution for back-to-school season or to get ready for and recover from holiday travels.

  1. After School Assistant
    It’s tough to be at work when your little ones get home from school, but thanks to smart technology, you can now greet your kids as soon as they walk in the door—no matter where you are. Two-way video calling lets you welcome your children home, check in on homework, oversee snacks, and make sure they’re attending to chores.

A system such as the Nucleus Anywhere Intercom is the perfect device to help you stay connected. The video-enabled intercom is easy to set up and simple to use. It connects instantly, so you don’t have to wait long for your kids to answer your call. You can also use Amazon’s Alexa to connect to and control the system.

  1. Sneaky Teen Booby Trap
    For some teenagers, sneaking out of the house at night is a rite of passage, but that doesn’t make it safe. If you’re concerned about your teen prowling the neighborhood streets when they should be home, enlist the help of motion-activated lighting to keep them in check.

With Ring’s Floodlight Cam, you can capture your teen sneaking out on video. The system will even light up and sound an alarm when it detects them. These may seem like extreme measures, but there’s no better time to pull out all the stops than when your kids need to be saved from themselves.

  1. Helpful Green Thumb Hack
    Win first prize at the garden club or the county fair by putting smart tech to use in your garden. A Wi-Fi–based plant sensor, like the Koubachi, can finally help you turn your thumb green. This nifty gadget measures ambient temperature, soil moisture, and light levels to ensure your plants get the precise care they need to thrive. The paired app even sends email alerts and push notifications with the latest status of your plants along with up-to-the minute advice to keep your blue ribbon dreams on track.

You can use this one sensor to track multiple plants inside your home or out in the garden—but you need to snap this smart device up fast. The Husqvarna Group recently acquired the Koubachi company, and the current design will only be available through 2018. After that time, you’ll have access to the GARDENA smart system if you’d like to use this tech as you garden.

These life hacks are just the tip of the iceberg when it comes to what smart devices can do for you. Start thinking outside the box with your smart gadgets and stay up to date on the huge variety of devices available. With new technology hitting the market nearly every week, there’s something out there to make anyone’s life easier, more connected, and—yes—smarter.

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5 Practical Water Conservation Tips to Keep Your Garden Lean and Green

Editor’s Note: This was originally published on RISMedia’s blog, Housecall. See what else is cookin’ now at blog.rismedia.com:

You don’t need a degree in horticulture to know that water is the lifeblood to a green, luscious garden, but the spring and summer seasons also tend to be when many homeowners see a significant increase in their water usage—and utility bills—due to efforts to help their gardens flourish. However, a great looking garden doesn’t have to break the bank. Yes, you can likely rely on Mother Nature from time to time to help fuel your garden’s growth, but there are many other practical tips and strategies you should administer today to conserve water while keeping your garden in peak shape.

  1. Water Early:This is the easiest way to ensure the water that you do use goes further: water early. We’re talking around sunrise, when winds and temperatures are both low. Calm winds ensure that more water is reaching the plants in your garden and not blowing to areas around your garden. Low temperatures reduce water loss from evaporation that is more common later in the day.
  1. Maximize Rainwater/Miscellaneous Water: If natural rainfall can serve as the main source for your garden, why water? While you’re unlikely to go through a whole summer using just rainwater, there are a variety of ways you can make natural rainfall go further; for instance, integrating rainwater collectors, like the popular rain barrel, into your home’s gutter system. The main purpose of your gutters is to direct collected rainwater from the roof and disperse it safely away from your home. Why not capture this rainwater to store and use within your garden? It’s estimated that a 1,000-square-foot roof can shed up to 600 gallons of rainwater per hour in moderate rainfall.

On a related note, consider taking steps to maximize water usage in the home. For example, capture cool shower water in a bucket as you wait for it to heat, and save water used for cooking that you’d otherwise pour down the sink. You can even reuse old fish tank water. Every little bit can go a long way.

  1. Tune Up Your Sprinklers: If you water your garden with in-ground sprinklers, we encourage you to inspect the system every spring to ensure it’s operating efficiently. Adjust sprinkler heads so that water isn’t wasted on the likes of sidewalks, patios or pavement to maximize watering efficiency, and be sure that there are no breaks in the hoses that run beneath the soil. We’d also recommend integrating a rainfall sensor into your system so that you’re not watering when the garden doesn’t need it.
  1. Tune Up Your Hose: If you water manually by hose, don’t use a standard hose and nozzle. This is inefficient because of the amount of water that is lost to evaporation, runoff and mist. Instead, opt for either a wand nozzle or a soaker hose. Additionally, check the hose connection to the spigot on your home and the hose connection to the nozzle. Is either dripping when the water is turned on? If so, you’re wasting water—and likely much more than you realize. This is easily resolved by purchasing and installing a better hose fitting for either connection.
  1. Incorporate Water-Friendly Details: Finally, there are many things you can do with the plants and garden design tself to maximize water usage. Consider integrating xeriscaping techniques into your landscaping plan. Start with using native plants that are already adapted to the soil conditions at your home, and consider placing mulch around plants to reduce water runoff, minimize weed growth and help keep the soil moist. You might also consider composting, a practice that helps keep moisture in the soil for longer. Finally, consider placing plants that require more water next to each other. This way, you can better target all of them at once with drip irrigation or by adjusting sprinkler zones accordingly.

You’re never going to grow a lush garden without water, but that doesn’t mean you have to pay dearly for it in utility costs.

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Luxury Homes: How to Tell If You’re Getting a Fair Price

Editor’s Note: This was originally published on RISMedia’s blog, Housecall. See what else is cookin’ now at blog.rismedia.com:

Buying a luxury home isn’t as straightforward a process as one might think. This market has a lot more variables when it comes to each property, making it difficult to establish an exact market value on a home. That being the case, buyers may wonder if they’re getting a fair price on a luxury piece of property. If you’re in the expensive real estate market, here are some steps to take to ensure that the price for your home is fair.

Compare
It should be said that comparing two luxury homes isn’t the same as comparing other types of real estate. When you buy a “normal” home, your REALTOR® will look at similar homes in the area, keeping in mind the number of bedrooms, bathrooms, etc. Luxury homes aren’t built with that in mind. When you compare these types of homes, you may want to look at features like great views (if it’s a penthouse, for example), privacy, sports features, etc. This gives you an idea of what’s on the market.

Know What You’re Looking For
Once you’ve looked at a couple of properties and have had a chance to compare them, you should be able to develop a “must-have” list. Think about your financing options as well. All of these will become a factor once you’re ready to buy.

Hire an Expert
Like any other profession, the real estate market has professionals that specialize in high-end homes in certain areas. These REALTORS® know what properties in the area are going for and how to find good deals.

Additionally, real estate professionals can tell you what types of transportation amenities are in the area. This is especially important if you’re moving into an area that’s very different from your current location. Hiring someone who knows how the flow of a geographic area works will be better able to steer you toward a good location.

Timing and Motivation
Once you’ve done the first three steps, you’ll finally want to start narrowing down the properties you’re looking at. It’s at this time that you’ll be able to make an offer on a home and, more importantly, hopefully, get it at a fair price.

Luxury homebuyers should consider the timing of their purchase. They may be able to get a better deal on a home in the winter than in the summer. The same can be said for homes that go up for sale at the end of the year. These homeowners may want to get rid of the property by year’s end for tax purposes.

Additionally, you may also be able to secure a luxury home at a reasonable price if the seller is motivated to sell—but be warned. Homes priced to sell go fast, in sometimes as little as two weeks. If you find a luxury home at an excellent price, be sure to ask your real estate professional to make an offer on it.

Buying luxury real estate at a good and fair price is a process. You should start by doing some research and by hiring a real estate professional who specializes in the luxury market. From there, compare the different homes on the market. Finally, once it comes time to buy the home, look for a motivated seller. This factor, combined with all of the previous work you’ve done, will help ensure that you’ve gotten the best price for your new place.

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The Basics of Buying Investment Properties

Editor’s Note: This was originally published on RISMedia’s blog, Housecall. See what else is cookin’ now at blog.rismedia.com:

Everyone wants a magic and immediate path to wealth. The bad news? The path doesn’t exist. Wealth is attainable through more conventional means. If you come to understand the real estate industry and if you deepen your own firsthand experience as you buy and sell investment properties, you’ll be on the road to success.

Along the road, there are six core principles that will make or break each real estate investment deal. They are the most important concepts you will learn. I call them the Big Six. With each successive deal I negotiated, I grew to recognize the common elements. The Big Six are part of a sequenced step-by-step formula that enables you to identify and purchase the right income property at the right price.

The elements of the Big Six Formula that will guide you into the basics of buying income properties are the following:

Location
Location is the single most important component of any real estate deal. It is crucial in determining your investment success. Look for properties that are situated in an “A” location. Such locations include the socioeconomic levels of the people who live or work in a particular neighborhood, its proximity to shopping centers, public transportation, crime levels, the nearness of prestigious universities and medical facilities, traffic congestion, zoning restrictions, the quality of schools, fire and police protection, and even the reputation of the local government and its officials.

Building Quality and Design Efficiency
Design efficiency interfaces with building quality. When you find an investment property you’d like to buy, you will need to scrutinize both elements. Look for properties that far exceed minimum construction requirements and that have useful and innovative design elements. This will not only make the property attractive to tenants but will add value to the property in the future. Design features on apartment complexes that stand the test of time include walk-in closets, large kitchens with windows, and his-and-her bathrooms. In an office building, a common area factor of 15 percent is desirable as well as a ratio of four parking spaces for every 1,000 square feet of rentable space.

Tenant Profile
Tenants can represent either an asset or a liability in an investment. When you invest, your mission is to make sure your tenant profile is the former and not the latter. Just as you want a well-constructed and well-designed property, you’ll want stable tenants who are a good match for your property and have appropriate lease agreements. Find out how much rent is generated and whether it is at market rate or under market. You want to focus on finding an income property that offers the opportunity to increase rental income and, by doing so, multiply the value of the property so that you can resell it at a substantial profit.

Upside
This fourth element refers to the cash flow growth possibilities offered by a particular property along with the likelihood that the property will increase in value. A property may cost $1,500,000 to construct, but if it brings in only the income of a $900,000 property, then it is worth only $900,000. The key to increasing value lies in buying a solid Class B property in an “A” location where the rents are under the market, the leases are short term, and there are no options to renew the leases.

Financing
In the musical Cabaret, there is a song with the lyrics “Money makes the world go around.” It could just as easily be used to describe real estate’s role in the economic landscape. The free flow of money and access to credit is what adds vibrancy to property investment. Before you get started, you’ll need to get a number of finance-related items in order. The first thing you should do before applying for a mortgage loan is to review your credit reports and your credit scores. Also, learn the terms, understand the components of a mortgage and how they interact, and be open to the full range of financing options available. Banks and other financial institutions make money from mortgages. They are willing to negotiate. Be creative—you may be surprised at the terms you’re able to obtain from a bank or insurance companies, especially in today’s low interest rate environment.

Price
The successful evaluation of a property’s price has to do with how much information you can gather about a seller and the property than it does about the price tag on the real estate deal. You must look at the value of the property, which is not the same thing as its price. The crucial concern is not just how much the property costs, but what kind of income it can generate for you. A property may be architecturally perfect and engineeringly sound, but if you’re locked into long-term, under-market lease rates, the value will be eroded.

If you master these principles, wealth will be within reach. However, it’s not enough to just understand and utilize the Big Six. You must execute them in order. That’s because they all fit together snugly to form your customized real estate formula.

Author Kenneth D. Rosen, CCIM, is a real estate investor and the president of Kendar Realty, Inc.

Investing in Income Properties, The Big Six Formula for Achieving Wealth in Real Estate, Second Edition is currently available at InvestingInIncomeProperties.com in both hard back and digital versions. It is also available on Amazon and at Barnes and Noble.

This article is intended for informational purposes only and should not be construed as professional advice. The opinions expressed in this article are those of the author and do not necessarily reflect the position of RISMedia.

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$161,900 :: 32508 ROSENBUSCH, WARREN MI, 48088

Property Photo

4 beds, 2 baths
Home size: 1,334 sq ft
Lot Size: 6,969 sq ft
Added: 06/23/17, Last Updated: 06/24/17
Property Type: Single Family
MLS Number: 58031323518
Community: Warren
Tract: Balmoral Park
Status: Active

Rare 4 bedroom brick Ranch in North Warren (14/Hayes) with 4 bedrooms on main floor! Warren Consolidated Schools. Beautiful hardwood floors in this spacious 1300+ square foot ranch, very clean and move in ready. New driveway and newer 3-Dimemsional shingle roof, fenced backyard with plenty of space and stamped concrete patio. Finished basement with loads of storage space and full 2nd bath. All appliances included in sale with immediate occupancy- keys at closing! Very well-maintained with excellent curb appeal.

Listed with RE/MAX First


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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$170,000 :: 27149 BRADNER DR, Warren MI, 48088

4 beds, 2 baths
Home size: 1,626 sq ft
Lot Size: 8,712 sq ft
Added: 06/23/17, Last Updated: 06/23/17
Property Type: Single Family
MLS Number: 21312274
Community: Warren (50023)
Tract: DOVER HEIGHTS
Status: Active

Situated on a Cul De Sac this Nicely Landscaped Colonial home boasts 4 Spacious Bedrooms, 1.5 Baths * Recently Updated Kitchen with an Abundance of Custom Cabinets & Counter Tops, 18×18 Ceramic Tile Flooring, and Stainless Steel Appliances * The Formal Dining Room and Living Room provide extra Living Space for the functionality of a growing family * Brick Natural Fireplace is the focal point of the Family Room with Door Wall leading to Newer Stamped Patio * Enjoy the Tranquility of the Beautiful Private Backyard Encompassed by Mature Trees * 2 Car Attached Garage with Side Service Door * Semi Finished Basement * Thermal Vinyl Windows, Gutter Guards, Newer Roof, Sprinkler System, Air Conditioner * Owner providing 1 Year Home Warranty.

Listed with MI Realty Group


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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Retirees Turning to Custom Homes to Get the Right Space

Editor’s Note: This was originally published on RISMedia’s blog, Housecall. See what else is cookin’ now at blog.rismedia.com:

As people reach retirement, their current house may simply be too big for their needs. Paying large utility bills, maintenance costs and property taxes for an older home on a large lot can often drain nest eggs and retirement funds. During a time when you have a lower income and too much house, there may come a time when downsizing to a smaller home will fit better into one’s lifestyle and budget.

Retiring to a Custom Home
When you hear about a retiree downsizing to a smaller place, most people think that the person will be packing up and moving into an apartment in a senior community or a mother-in-law suite in their adult children’s homes. Yet many retirees still want their freedom to come and go as they please in their own place. Purchasing a smaller home then becomes the ideal option.

One interesting trend is that retirees are looking to custom build a new home that is smaller in size. The retiree may be at a unique advantage of having the financial independence to cover the costs of home construction without straining their retirement funds. At this point of time in their retirement years, most retirees have already paid off the mortgage for their other home as they now own the house outright. With the home value having appreciated, they can now ask for a higher sales price that can cover the land purchase and all the home construction expenses.

Building a Home Tailored to Health Needs
Another advantage to having a custom home built is that it can be designed to current medical conditions or physical restrictions. You can work with builders and architects to design the home so that it can make your daily life easier as you grow older. The custom build may have wider first-floor spaces and hallways to accommodate mobility devices. There can be outdoor ramps by front entrances for wheelchairs and walkers, as well as lower kitchen cabinets so you can get items without having to stretch to reach higher shelves. In addition, bathrooms can be designed for retirees with physical disabilities who may have problems using the shower, tub or toilet.

You can have more flexibility when having a smaller home built with adaptable features. The custom home can be later modified for different life stages without having to deal with costly renovations later on that can be a major disruption to your daily life.

Custom Home Offering Less Maintenance Hassles
During retirement, retirees often don’t want to deal with major maintenance and repairs that are associated with larger, older homes. Even downsizing to a smaller, existing home can lead to stress as there may be significant issues with the existing house that will need to be dealt with before moving in.

By having a custom home built at a smaller size, buyers will know that everything in the house is new. They will have new wiring, plumbing, mechanical systems, appliances, a roof, a foundation and other aspects. Even if something should break during those first few months, builders normally provide a builder warranty that will cover defects and provide repairs.

Downsizing to Your Custom Dream Home
Downsizing to a custom home has many advantages. Buyers can have the home built at a chosen destination that offers everything they could possibly need during their retirement years.

It helps to perform comprehensive research regarding the real estate market when purchasing land at another location. Also, researching building plans and contractors can make the difference in purchasing a custom home built with superior craftsmanship. A real estate agent’s help can be just what buyers need to find a new place that is specifically designed for their golden years.

For the latest real estate news and trends, bookmark RISMedia.com.

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Don’t Let Clogged Gutters Wreak Havoc on Your Home

clogged_gutters_Infog

Editor’s Note: This was originally published on RISMedia’s blog, Housecall. See what else is cookin’ now at blog.rismedia.com:

As a homeowner, you undoubtedly understand just how important home maintenance is when it comes to preserving the life of your home. In fact, you probably spend a good chunk of time fixing problem areas and items both inside and outside your home.

But when was the last time you checked the gutters? While clogged gutters can wreak havoc on your home from top to bottom, maintaining your gutters and downspouts will work in your favor when it comes to avoiding conditions such as flooding, foundation damage, pest infestation, roof damage, warped/rotted window frames, siding and doors, and mold—all of which may ultimately undermine the integrity of your home.

The following infographic from Kings of Clean sheds light on the important role gutters play in the well-being of your home.


Paige Tepping is RISMedia’s managing editor. Email her your real estate news ideas at paige@rismedia.com.

For the latest real estate news and trends, bookmark RISMedia.com.

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Don’t Let Clogged Gutters Wreak Havoc on Your Home

clogged_gutters_Infog

Editor’s Note: This was originally published on RISMedia’s blog, Housecall. See what else is cookin’ now at blog.rismedia.com:

As a homeowner, you undoubtedly understand just how important home maintenance is when it comes to preserving the life of your home. In fact, you probably spend a good chunk of time fixing problem areas and items both inside and outside your home.

But when was the last time you checked the gutters? While clogged gutters can wreak havoc on your home from top to bottom, maintaining your gutters and downspouts will work in your favor when it comes to avoiding conditions such as flooding, foundation damage, pest infestation, roof damage, warped/rotted window frames, siding and doors, and mold—all of which may ultimately undermine the integrity of your home.

The following infographic from Kings of Clean sheds light on the important role gutters play in the well-being of your home.


Paige Tepping is RISMedia’s managing editor. Email her your real estate news ideas at paige@rismedia.com.

For the latest real estate news and trends, bookmark RISMedia.com.

The post Don’t Let Clogged Gutters Wreak Havoc on Your Home appeared first on RISMedia.

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