A few simple steps can save your home if disaster strikes.
Your home is a valuable asset, so it makes sense to be prepared for the unexpected. It could save you time and money in the unlikely event of an emergency.
Maintain good drainage
Regular maintenance measures are vital. Be sure to check gutters and storm water drainage pits for blockages, and inspect the perimeter of the house for rubbish build-up that can prevent water draining away leading to flooding.
Fireproof your home
At the other end of the extreme, consider how your home would fare in a bushfire. Walk around the property looking for things like old timber that could catch alight. Keep your garden rubbish-free and clear dry vegetation that can spark and fuel a fire.
Fill gaps in the roof or walls where embers can enter your home. Installing open weave mesh over air conditioning units and adding metal fly screens on doors can keep sparks and embers out.
Inside your home, ensure smoke screens are fitted and check the batteries regularly.
Store key documents securely
Organising secure storage for key documents like insurance policies can speed up the recovery process following a disaster.
Installing a fire-proof home safe is one option. But a potentially cheaper and far easier alternative is uploading copies of documents to a digital ‘cloud’ storage service provider.
This way, if anything happens to your home and the documents within it, you have a digital backup which you can download and reprint. There are a variety of flexible and inexpensive options available; a quick internet search will help you find one that best suits your needs.
Don’t risk under-insurance
Above all, review your home and contents insurance rather than simply paying the premium when renewal time rolls around.
The vast majority of home owners insure their home and belongings but many don’t have enough cover in place. If you’ve renovated or updated furniture or appliances be sure your insurance policy reflects this. Without adequate insurance cover you could be left out of pocket by tens of thousands of dollars – potentially more, if your home needs to be rebuilt following a disaster.
At the end of the day, no one enjoys thinking about what can go wrong with their home, but by planning ahead you can reduce your risks and potentially save money should disaster ever strike.