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Renovations and Home Insurance: What You Need to Know

Boyle Agency Insurance

However, amidst the anticipation and creativity that renovations bring, it’s crucial not to overlook the impact they can have on your home insurance. Coverage Adjustments Renovations can increase the value of your home, and it’s essential to ensure that your home insurance coverage reflects these changes.

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Avoiding Common Home Insurance Claims During Renovations

Mark Jackson Insurance Agency

Home renovation samples by Pixabay Renovating your home can be an exciting journey, transforming your living space into the dream dwelling you've always wanted. However, amidst the excitement, it's crucial to undertake precautions to avoid common pitfalls that could lead to home insurance claims.

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Housing Code Violations in Philadelphia: An Interview with Katie Vespia

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For instance, problems with roofs and exterior wallssuch as cracks, leaks, or deteriorating materialscan weaken a buildings overall integrity, while foundation issues like uneven or shifting bases create serious safety hazards. Insurance brokers are key in bridging the gap between property maintenance and insurance coverage.

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Housing Code Violations in Los Angeles: An Interview with Katie Vespia 

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Other notable issues include illegal conversions where garages, basements, or other spaces are converted into living areas without proper permitswhich are particularly common in older buildings. After a report is filed, an inspector from the Los Angeles Housing Department or Building and Safety is dispatched to evaluate the situation.

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Housing Code Violations in San Francisco: An Interview with Katie Vespia

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For buildings constructed before June 13, 1979, strict rent control laws apply. These include unstable buildings, unsafe stairways, or poorly maintained common areas like balconies and porches. Once a report is filed, the Department of Building Inspection (DBI) conducts an inspection. First, there are Rent Control Violations.

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Housing Code Violations in Chicago: An Interview with Katie Vespia

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If these conditions arent met, the building can be cited for a violation. Structural issues including unstable porches, broken stairs, damaged roofs, or cracked wallscan compromise the safety of a building. A housing inspectorusually from the Department of Buildings (DOB) or Public Healthwill then inspect the property.

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Housing Code Violations in NYC: An Interview with Katie Vespia

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If a buildings indoor temperature falls below the legal minimum, it not only causes discomfort but also attracts fines. Then we have mold and water damage , often stemming from persistent leaks and damp conditions in older buildings. First, there are heating and hot water issues. Another common violation is pest infestations.

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