How Insurance and Proper Winter Maintenance Can Save You Money and Stress

Buying a home can be an exciting and stressful time. It doesn't matter whether this is your first home or you are upgrading to a larger home, some things never change. Insuring your home is one way to reduce the amount of stress in your life as you purchase your new home. In some cases, you may not be able to get a mortgage without insurance.

Not only is it important to buy insurance, but it is important to buy the right amount of coverage. Buying too much is a waste of money, and buying not enough coverage can be problematic. If you buy too much insurance, you're simply flushing your hard earned money down the toilet. That money could be used elsewhere in your budget, or to invest in the maintenance of your home.

Winters in Canada can be very harsh, and it is common for ice patches to form on roofs. This is especially common on roofs that are not correctly angled. The ice that forms on roofs can be quite heavy. When the ice melts, it can cause the roof to leak.

Sometimes, homeowners try to fix these problems themselves. They may use heated electric cables on their roof, or they may use a pick axe to chip away at the ice. Over time, both of these fixes can cause additional problems. These problems include holes in the roof, or damaged and missing shingles. Hiring a professional may prevent problems in the short term, but damage to your roof can still occur.

Of course, none of these fixes actually addresses the root problem. There is another fix which can prevent ice from forming on the roof. By sealing the attic floor with insulation, it prevents air leaks which can cause problems when it snows or rains in the winter time. This also means that you won't have to spend time melting the ice and snow on the roof of your home.

The process and the cost of sealing your attic floor can vary depending on a variety of factors. Check with a reputable contractor for more information or for an estimate of the costs.

Until you are able to properly fix the problem, you may need to deal with the roofing issues that arise. Roofing issues can cause significant water damage to the interior of your home. It is important to note that not all water damage claims will be covered by your insurance policy. Water getting into your home as a result of wear and tear on the roof would not be covered or water getting into your home over a long period of time would not be covered.

Of course, properly maintaining your home is one way to prevent problems. It is important to keep your gutters clean and clear from debris. This helps drain the water away from the roof of your house.

For more information on home maintenance as well as tips to keep your home in good condition all year long, check out the website created by the Canada Mortgage and Housing Corporation.

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