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There are so many things you have to keep in mind when remodeling your home. One that’s often overlooked is the numerous ways that a home renovation could impact your insurance policy. So while you’ve already got a lot on your plate, you’re going to want to stop and think about these six insurance tips before you get too far into your project.
Speak with your insurance company
When remodeling, you should notify your insurance company about the changes to your home, especially if they’re going to be large ones. Since remodels add value to your home, they’re also likely to raise your insurance premiums so you’re obligated to let the insurance company know. If your remodel includes big ticket items like new kitchen appliances, you should update your insurance coverage by adding these to your list of belongings in the home so that they’re covered if the worst should happen.
Make sure contractors are licensed and insured
There’s a lot that can go wrong during a remodel so it’s crucial that any contractors, and especially a general contractor, are licensed and insured. If there is damage to your property due to shoddy remodeling work and it turns out the contractor you hired isn’t insured, your insurance company may not be willing to pay out. Even if the contractors are licensed, they should also be insured just in case.
Ensure subcontractors are covered as well
Often, general contractors will need to bring in subcontractors such as electricians and plumbers to do specialty work that the general contractor’s guys can’t do. These subcontractors don’t work for your general contractor and won’t be covered by his/her insurance so you need to make sure they have their own coverage. A good general contractor should only be working with licensed and insured subcontractors anyways but it doesn’t hurt to make sure.
Purchase builder’s risk insurance
Homeowner’s insurance and the contractors insurance coverage protect your property during a remodel but they usually don’t cover building materials and equipment that belong to the contractor or subcontractors. Builder’s risk insurance ensures coverage for those materials and equipment in case they’re stolen or damaged somehow from the work site or while being transported to the work area.
Ask about completed operations insurance
Completed operations insurance protects your home and property after the remodel is complete. If your garage door was installed improperly, for instance, but it comes crashing down on your car after the contractors have already finished and moved on, completed operations insurance would still cover the damage.
Be on the lookout for hazards
It might be a good idea to bring in an insurance inspector before a remodel even begins to consider how you might make your home safer. This could even lower your insurance premiums. For instance, in older homes that have baseboard heaters, there is a fire hazard if there’s not enough circulation around them. Young children can lodge items beneath them and that poses a risk. Installing baseboard radiator covers ensures proper ventilation and may reduce the risk of a fire.
Source: Tri County Sentry
Measure the height from the floor to the top of the metal wall plate.
Follow our guide for baseboard heater cover measurement:
Any baseboard larger than 7 3/8" (188 mm) will be compatible with our standard cover.
Any measurement greater than 9 3/8" (238 mm) will fit our tall cover.
Measure from the bottom of the finned tube heating element to the top of the metal wall plate,
A measurement of 5 1/2" to 6 3/4" (140 mm – 172 mm) will fit our standard cover.
A measurement of 7 1/2" to 8 3/4" (191 mm – 222 mm) will fit our tall cover.
Measure the distance from the wall or the metal wall plate attached to the wall, to the outside of the finned tube heating element.
Any measurement of less than 3 1/8" (76 mm) inches from the wall will fit our
Any measurement of less than 3 1/8" (76 mm) inches from the wall will fit our tall cover.
EZ Snap™ Wall Widgets are used when your old or existing wall back plate has been removed or if you have to hang your new cover 1 inch or higher to bring them up to a height that will fit our installation guidelines. Just measure your overall desired height, subtract 1", drill a hole, preferably in a stud and attach it to the wall with the included screw.
EZ Snap™ Floor Fidgets easily raise your new covers ¾ inch to compensate for any ¾ inch floor (wood, tile, or other) that has been installed any time since your baseboard heater was originally installed. May be used for any reason when the overall height has been shortened and the total height is less than 7-½ inches for standard height or 9-½ inches for the TALL height EZ Snap™ BaseBoard Covers. Just use the self-tapping screws to secure them to the top of your existing wallplate.
EZ Snap™ Wall Contraptions are used when your wall back plate has been completely removed. EZ Snap™ Wall Contraptions receives your EZ Snap™ BaseBoard Cover and keeps your aluminum fin tube from sagging. These completely replace your wall back plate. To install, slide up from the bottom and make sure the top is at your desired height. Screw to the wall, then bend the front finger up to hold the fin tube in place.
Measure from wall to wall and subtract ½ inch (to allow for wiggle room when installing your new covers.) The endcaps can be pulled or slid ½ inch outward on either end to fit your existing length requirements. Choose 2 flush to wall end caps.
Measure the overall length of the existing unit with ends attached then subtract ½ inch (to allow for wiggle room when installing your new covers.) The endcaps can be pulled or slid ½ inch outward on either end to fit your existing length requirements. Choose 2 Closed or Open-end caps.
Measure from the corner to the end of the unit with ends attached then subtract ½ inch (to allow for wiggle room when installing your new covers.) The endcaps can be pulled or slid ½ inch outward on either end to fit your existing length requirements. Choose 1 Closed or Open-end & 1 flush to wall end cap.
Measure the left side from corner A to corner B (see diagram). Then subtract 3 inches for the 90 degree inside corner, then subtract another ½ inch (to allow for wiggle room when installing your new covers.) Repeat for the right side if also wall to wall. You need to subtract a total of 3½ inches from each side that is wall to wall. Choose your end caps.
Measure the left side from the corner of the wall to the end of the unit with ends caps. Then subtract 3 inches for the 90 degree inside corner, then subtract another ½ inch (to allow for wiggle room when installing your new covers.) Repeat for the right side. You need to subtract a total of 3½ inches from both left and right sides. Choose your end caps.
L-Shaped outside radiators ending in the middle of the wall:
Measure from outside corner of the wall A to the end of the radiator unit with end caps attached B, then subtract ½" (to allow for wiggle room when installing your new covers.)
Measure from outside corner of the wall to the corner of the wall, then subtract 1/2" (to allow for wiggle room when installing your new covers.)
Left leg - measure from the corner out to the end of the radiator subtract 3" for the corner and ½ (to allow for wiggle room when installing your new covers.)
Center leg - measure from corner to corner and subtract 3" for each corner a total of 6"
Right leg - measure from the corner out to the end of the radiator subtract 3" for the corner and ½" (to allow for wiggle room when installing your new covers.).
We recommend that you order covers a little longer than normal and cut them on site, as there are many opportunities for mistakes in measuring and installation. By cutting on site you can fit and cut to fit. The covers can be cut with a good quality jigsaw and a fine metal cutting blade.
Now that you’ve learned how to measure baseboard heaters,
you’re ready to order.