If you are renting your home, one important way of protecting your possessions is by purchasing rental insurance. This kind of insurance is intended to cover a person who is renting their property against any unexpected calamities that might happen in the home. Although the types of coverage vary depending on what you choose, among the things that are generally covered under renter’s insurance are personal possessions which, if damaged or stolen, are replaced. Personal liability is also covered, so if someone has an accident while they are in your home or damage occurs to a neighbor’s property, then your insurance will cover it.
While renter’s insurance is an essential way to protect your possessions, many tenants still do not have it. What are the reasons for this? Well, some people believe that it will be too expensive. The reality is, though, that renter’s insurance is very affordable with and average price of around $17 per month. Another reason many do not have it is because they think they are already covered under the homeowner’s insurance policy. They also may think that their possessions aren’t worth much. But, if you think about how much you would need to spend to replace those belongings, its clear to see how beneficial being covered for them really is. It could also be that a tenant does not even realize that renter’s insurance is available to them.
As we can see, renter’s insurance is an important and low cost way to protect yourself against loss of personal possessions or damage caused to another person.
It’s a sad fact but each year thousands of elderly ones are injured from accidents within their own homes, with the majority of these accidents occurring from simply doing everyday tasks. The more common kinds of accidents are caused from slipping and falling. So, what are some ways you can help prevent these types of accidents in your loved one’s home? While there are many items around a home that could cause an elderly person to slip and fall, we’re just going to mention a couple of those things.
Have a walk around the home and think of how easy it is for someone with limited mobility to get around it. Are there electrical cords stretched over walk through areas? This would have the potential to, not only cause someone to trip and fall, but depending on the appliance its connected to, it could also become a fire hazard. If there are not enough electrical outlets where they are needed, it might be better to arrange the furniture differently so that electrical cords do not need to extend too far. It might also be a good time to check that electrical wires and power cords are in good condition and not becoming frayed or have exposed wires.
A lot of elderly people enjoy the comfort that carpet brings in their homes. Carpet, however, also has the potential to be a tripping hazard especially if it starts to become raised up or if the carpet adhesive starts wearing out in places which would cause the carpet to loosen in some areas. Rugs are another big slipping hazard. Make sure a rug will stay in place by ensuring it has a good rubber backing which will keep it firmly in place.
As we mentioned, this is just a few suggestions to helping prevent falling accidents at home. We’re sure that as you go through the home, you will notice other areas that need improving as to safety.
Anyone who has experienced sewer gas leaking into their home will likely not forget the terrible smell that accompanies it. While this is an obvious side effect from a sewer gas leak, its important to have a professional look for the cause of the leak. As well as the offending odor, there are a number of other risks associated with sewer gas leaks. Some of those risks are potential for fire or explosion, the risk of hydrogen sulfide poisoning which can be extremely dangerous and asphyxiation due to sewer gases displacing the homes oxygen.
Its important, then, to identify the reason sewer gas is leaking into your home. There are a number of possible causes for this. One common reason is dried out plumbing fixtures. If plumbing traps become dry, they can no longer stop sewer gases from backing up into the home, this is due to a lack of water barrier. This could also happen with sinks, showers and toilets etc. that are not frequently used or during periods of dryer weather.
You could also find sewer gas leaking into the home from cracks in plumbing drains or vent pipes. Cracks found in ventilation pipes, while harder to identify, should be checked as they can be the reason for the leak. Other reasons for sewer gas to leak is cracks in the home’s foundations, plumbing vents situated too close to air intakes and simple air and wind flow around the home. The safety of your household is of utmost importance, so If you are smelling sewer gas in your home, don’t ignore it but have it checked out.
A good number of accidents which occur in the home are a result of poor home maintenance. One area where this is often the case is on and around the stairs. Staircases can be particularly hazardous for small children and elderly or handicapped residents so its vital that they are in good order and well maintained. What are some ways to do this?
As a homeowner, there are simple things you can do to make sure the staircase does not become a danger to the household, for example, if the stairs are wooden, be careful not to over polish them and make them slippery. If you have carpet, make sure it does not start to become loose. Check the handrail also for any wobbling or loosening. Do you have good lighting on and around the stairs? This is important especially for members of the household with failing eyesight.
It is not just the interior stairs that should be checked, exterior stairs need to be in good order and not uneven or insufficiently graded as this could cause water to start pooling on the steps. While the contractor that built the home should have abided by all building codes and regulations, its good to familiarize yourself with these standards. Bannisters must not be spaced too far apart, which could allow a child to get their head trapped and stairs must all be of the same height in order to prevent a tripping hazard.
These are some simple staircase safety checks to do but they may go a long way in preventing a stair related accident or injury.
Are you in the process of buying an older property? While an older home can be full of charm and character, it can also contain toxic substances which were used in construction materials years ago. One such material is lead which was often used in paint and piping. Although the dangers of lead have come to light in more recent years, what should you be concerned about when it comes to finding it in the home?
As we have mentioned, lead is often found in old paint which was used for both the interior as well as exterior of the home. This becomes a problem when deteriorating paint starts to chip and even becomes dust. If this happens on the exterior of the home, you will likely find lead in the surrounding soil. Lead paint chips or paint dust can cover any surface of the interior of the home, making it especially hazardous. We know lead is particularly dangerous for babies, young children and even unborn babies. Because young children like to crawl and climb on everything, it is more likely that they will inhale lead paint dust or chips if they are found in the home.
It is also worthy to note that even if your home is new, you could still have lead in the home. If you are someone who enjoys antique furniture you may well find that it contains lead paint.
As we stated earlier, lead can also be found in an old homes piping system which meaning that lead could be found in drinking water.
So, from this short review we can see that if you are about to buy an older home, you might want to make sure that lead does not pose a health risk for you and your household.
Water, as we know, is essential to life. Its vital, then, to have a reliable and safe supply of water within our own home. However, is this always the case? What do we know about where our homes water supply comes from and how safe it is?
It’s a good idea to find out more about your homes water supply, for example, what is the waters source? This has a lot to do with the kind of area you are living in, if it’s a densely populated area or more rural. Much of the time a large town or cities water comes from a reservoir. However, this reservoir wont necessarily be located close to the city, it could be some miles away. This kind of water source is referred to as a “surface” water source. On the other hand, if you live in a rural area, you will most likely have well water which is supplied by an underground reservoir, or aquifer.
Determining the safety of your water, however, involves a number of factors, not just the water itself. The body of waters surroundings must also be analyzed. What is the land surrounding the body of water used for? Is it industrial? Or, is it farmland? The land surrounding this water is referred to as “the water shed”.
While this article is just a general overview about where your water comes from, perhaps you’re wondering how you can find information specific to your location. Since 1999 all community water supply companies are required to make available an annual report for its consumers. This report gives details such as where the water comes from and any contaminates that may be found in it.
It’s a very sad fact that on average 3,000 people die every year in the United States from the effects of a house fire. Many of these deaths might have been avoided if there were fully functioning smoke detectors in the house. Yes, these small appliances play a critical role when it comes to fire safety. Here are a few brief reminders:
Multiple smoke detectors should be fitted in a home depending on its size. A good rule would be to have one fitted on every inhabited floor of the home. This also includes the basement and garage. Having one in each bedroom would also be a good idea.
Having a fire exit plan is another vital step to surviving a house fire. Every member of the household should know what to do. Perform a fire drill every once in a while. It’s a good idea to do this at nighttime when everyone is sleeping as this is when the household is usually most at risk. Set off the smoke detectors to make sure they are loud enough to wake the whole household and that the sound is distinct enough so as not to be confused with any other sound.
Remember, a smoke detector is only effective if it is working properly. Do a simple test of them once a month to ensure they are working and do not require batteries. Another reminder is to NEVER disconnect batteries even when a sensitive smoke alarm becomes a nuisance. It is all too easy to forget to reconnect them again.
With the children off school for the summer, its time to spend some quality time by the pool. While a swimming pool is a place to have fun, if you have a swimming pool in your backyard, what steps do you need to take to ensure it is a safe environment?
It is a sad fact that many children die each year from drowning accidents, with those under age 5 being at the greatest risk. What makes this so bad is that it happens so fast and generally with no noise, which means that a child has often drowned before anyone knew they were missing. So, how can you protect a child if you have a swimming pool in your home?
If you have a pool on your property, its important that you have some kind of pool barrier. This could take different forms such as fencing or a wall. There are specific guidelines put in place for pool barriers, for example, they must be the correct height, any fencing should have the correct amount of spacing and must make it impossible for a child to climb under.
If you have an above ground pool or hot tub etc. there must also be strict safety measures in place so that a child would not be able to access the pool without supervision.
Walls of the home can also act as a pool barrier but any doors that lead directly to the pool should have an alarm system which will go off when the doors are opened. The alarm sound should be loud enough to hear throughout the home and have a sound that is different from any others. In this way, it will be difficult for a child to gain access to the pool, through the doors, without being detected.
Yes, summer by the pool is what most children want. By following these safety guidelines, you will help to ensure their safety as well.
So many people suffer with allergies which cause all kinds of respiratory ailments. There are numerous causes for this but let’s look at some of the air pollutants in our homes that might make these allergies worse and, some of the ways we can improve the air we breathe at home.
There are all kinds of things in the home that contribute to poor air quality, for example, dust, pet dander, damp or mold, even gas stoves and furnaces that are poorly maintained, lead and asbestos (if the home is older). Then there are the things we use such as cleaning products. Solvents such as formaldehyde that have been used for treating furniture like curtains and sofas, these are all areas that contribute to poor air quality in a home. So, what are some ways you can deal with these problems?
While in many cases, it would be very hard to eliminate the problem all together, there are simple ways to improve home air quality. Keeping the home clean will go a long way to improving the homes air quality especially if there are pets. Its important to try and keep dust to a minimum and vacuum regularly. Replace chemical and aerosol cleaners with non-chemical cleaning products.
Try to keep each room well ventilated so that soft furnishings are aired out well. Replace air conditioning filters regularly. Have a check of the entire home every so often to make sure there is no mold forming. Check appliances etc. to make sure they are working well and are not at risk of producing carbon monoxide. It would be a good idea to have a professional come and inspect furnaces etc. to make sure they are working well.
By following some of these simple suggestions, it will go a long way to enhancing the quality of air in your home.
Keeping a home safe from intruders is of great importance to many homeowners. One way to prevent intruders is with window bars, or safety bars. These metal bars are attached to the outside of the window, usually the basement and ground floor windows and are designed to prevent anyone from entering through the windows.
This can offer a sense of security for the homeowner as it is an effective way of stopping a burglar from entering through the window, however, there are some safety concerns to think about when it comes to this type of security device. A major problem arises if the resident needs to exit the home in an emergency such as a fire. Not only would they stop someone from getting out of much needed exits, but they could also block vital points of entry for firefighters.
If you feel like you really need window bars in your neighborhood, what are some ways you can do it and ensure they are not a fire hazard? Make sure they are fitted with a quick release device. This type of mechanism would allow the occupant to easily release the bars from the inside of the home. It should not require any kind of special tool to release them and needs to be easy for a child or elderly person to use. This is because a person can become disoriented and panicked in an emergency situation, and precious time would be lost trying to open a difficult mechanism.
As we can see, then, window bars can provide a good level of security for the lower floors of the home, but they can easily become a fire hazard if they are not equipped with a quick release mechanism that is easy to use.
PARKER AND WEST ENGINEERING, PLLC.