091720 SWB DIGITAL EDITION

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6 | September 2020 | Southwest Orlando Home & Real EstateMany of today’s homeownershave been inspired by house-flippingshows to learn practical tips andsavvy tricks to either increase theirhome’s resale value or, for those whoprefer to stay put, refresh their livingspace for its long-term use. Whilethese shows highlight the newesttrends that resonate with new buyersor help customize a house to an owner’scurrent needs, what they don’ttell you is how remodeling mightaffect your homeowners insurancecoverage.“Building an addition and addingsquare footage, renovating akitchen or bathroom, or other significantchanges made to a home willincrease its value,” said Jane Li,Mercury Insurance director of productmanagement. “One thing thatcan’t be overlooked, however, is thatthese renovations will also increasethe home’s replacement cost if it isdamaged or destroyed, so it’s veryimportant that homeowners also adjusttheir insurance policies to ensurethe home is properly insured in theevent disaster strikes.”Here are four improvements Li recommendsdiscussing with your insuranceagent before making upgrades:• Roof replacement — The roof isthe primary source to protect a homeagainst the elements, providing shelterfrom rain, hail, wind, summer heat andwinter cold. It’s likely not the first thingthat comes to mind when a homeownerPRINT MEDIA ... KEEPINGYOUR BUSINESS ALIVEData released from the Industrial FabricsAssociation International:• Print magazines outperform all other media indriving purchase intent.• Unlike most other media, magazine ads are notan interruption but an integral part of the learningexperience.• When magazines are viewed as credible andhave a history of being in the community, the affinityrating is even higher.Four Home Improvements ThatMay Affect Your Homeowners InsuranceFor Advertising, Сall407-351-1573P.O. Box 851, Windermere, FL 34786 Updatingyour home’sold pipes tomeet today’sstandards isa good wayto trim yourhomeownersinsurance bill.thinks of renovations; but eventually, itwill need to be replaced to keep doingits job properly.“The age of your roof factors intoyour homeowners insurance coverage;because as it gets older, it becomesmore likely to leak, which can causestructural damage,” Li said. “Certainroofing materials — like clay or concretetile, slate or metal — provideadded protection against wind andwildfires if you live in an area that’sprone to these conditions. If properlymaintained, these materials also havea longer lifespan than an asphalt-shingledroof, which tends to last about 20years.”• Installing a pool — Pools are agreat way to cool off when temperaturesclimb and are also a nice centerpiecefor outdoor entertaining.However, putting in a pool also addsto your liability risk, which will increaseyour homeowners insurance premium.“If you decide to install a pool, besure to also build a fence with a lockinggate around it,” said Li. “The fenceshould not connect to the dwelling;and, if possible, it should be built usingfire-resistant material.”• Replacing plumbing fixtures —Sometimes, all it takes to give yourkitchen or bathroom a new look is toswap out your old sink for a new one.If you decide to replace some of yourhome’s plumbing fixtures, it’s importantto make note of the upgraded materials,as they may be of a higher quality— and thus have a higher replacementcost — than the original equipment.It’s also a good time to consider installinga water-leak detection system, asclaims due to water-related damages— like bursting or leaking pipes, ormalfunctioning appliances — are themost commonly filed homeowners insuranceclaims, according to MercuryInsurance.“Many leaks can be difficult to detectsince most pipes are enclosed insidewalls,” Li said. “We recommendinstalling water-leak sensors or shutoffdevices if you are making plumbingupgrades, because they can bevery helpful in preventing extensivewater damage. Some can automaticallyshut off the home’s main watersupply if a leak is detected and mighteven qualify you for a discount onyour insurance.”• Revamping your landscaping —The trees, bushes, plants and stoneworkyou choose can add to yourhome’s curb appeal; and, in areaswith dry climates that are prone towildfires, your landscaping may evenincrease your home’s insurability.“A good landscape in fire countrywill endure firebrands for days, intenseheat for weeks, and do both withoutigniting,” said Douglas Kent, wildfireexpert, author and a professor ofland management.The 5 feet closest to your home iswhere you should retrofit with fire retardantmaterials and conduct simplemaintenance like clearing away deadplants and cleaning gutters and decksof leaves. The next 30 feet from yourhome should be green and clean landscaping,with lawns kept free of debris.Trim tree limbs so they are at least10 feet away from your home and trimunruly bushes. Keep your lawn wellmanicuredand plants healthy. Hardsurfaces like asphalt and concrete alsowork well in this space.Finally, the next 70 feet should containthinned out vegetation, removingflammable plants and brush surroundingyour home. Trees should also be atleast 20 feet apart.Whether you plan to live in yourhome for many years to come or sell itto a new homeowner, be sure to assessyour homeowners coverage needs annuallyas long as it’s your property.(BPT) ª
Southwest Orlando Home & Real Estate | September 2020 | 7STAY IN ORLANDOWITH ROSEN HOTELSBOOK NOW ATROSENHOTELS.COM/FUNCATIONOR CALL 866-33-ROSEN (76736)RATES STARTING AT $59 FOR ROSEN INN ATPOINTE ORLANDO AND $89 AT ROSEN PLAZABOGOOFFERS!Choose your favorite hotel and enjoy an impressive array of BOGO and other deeply discounted offers, includingmeal deals. The FUN never ends in Orlando. Preview just a few the Fun-Cation offers included with your package.BOGO – Shingle Creek Golf Course – Buy One Round – GetOne FREEBOGO – Star Flyer and the Wheel at ICON Park – Buy OneCombo Ticket-Get One FREEBOGO – Jack’s Place Restaurant – Buy One Entrée – Get One FREEBOGO – Lite Bite – Buy One Breakfast Platter – Get One FREEBOGO – Wonderworks – Buy One Adult Ticket – Get OneAdult Ticket FREEBOGO – Gatorland Buy One Adult Ticket – Get One Child’sTicket FREEDEAL – Dave & Busters Buy a $20 Game Card – RECEIVE$40 in Game ValueBOGO – Magical Midway – Buy One Three Hour Wristband– Get One FREEMANY MORE EXCLUSIVE DEALS WILL BE REVEALEDWHEN YOU CHECK-IN.We remain dedicated to the highest standards of cleanliness, safety, and well-being for our guests andassociates. Expires 11/15/20. Based upon availability and cannot be combined with other offers. Not validfor groups or conventions.WE LOVE OUR HEROESDear First Responders and Front Line Heroes,You put yourself on the line to help maintain our safety and security. For your invaluable andheroic service, we are forever grateful. As a small token of our deep appreciation, let us take careof you at Jack’s Place Restaurant and Jack’s Lobby Bar.Jack’s Place RestaurantPurchase one entrée, get one free of equal orlesser value.Complimentary glass of wine or dessertserved with each entrée purchase.Jack’s Place Lounge$5 sangrias, tropical mojitos, or craft lagerbeer, daily 5 – 10 p.m.25% discount off dining menu.Fridays & SaturdaysKids eat free, 5 – 9 p.m.Entertainment provided by our caricature artist, 6 – 9 p.m.Taxes and gratuity not included in prices listed above. Cannot be combinedwith any other offer or discount. Menu, prices, and hours of operation subjectto change. Offer can only be combined with kids eat free promotion.FOR RESERVATIONS, PLEASE CALL (407) 996-1592JACKSPLACERESTAURANT.COM
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091720 SWB DIGITAL EDITION

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