As homeowners continue to look for economical ways to improve and repair their homes, there has been an increased interest in do-it-yourself (DIY) projects. Homeowners with a basic understanding of the mechanics of home repair attempt to tackle projects from simple toilet repairs to complete home additions. DIY magazines, television shows, and other media offer advice and tips on a wide range of projects, providing practical information and knowledge, designed to save the homeowner money.
Television magic can make repairs and renovations seem straightforward, and the reality is that they are costly. Novices often find that projects take more time and money than expected. Unplanned for events and, in some cases, lack of experience can lead to expenses that exceed the cost of professional services. More ambitious projects can turn a tiny mistake into the damage that results in a serious homeowners insurance claim.
Before deciding to take on a major repair or renovation, make sure you have the proper permits and skills necessary to complete the project safely and correctly. Permits help to ensure that the person performing the work remains safe and that the work performed is up to code. Work that doesn’t meet the laws or codes of your community is much more costly than paying for the permit. Permits also protect your home from issues such as water damage or fire. Performing home renovations yourself could cause the denial of a claim if work wasn’t performed by a professional. Check with your insurance carrier to guarantee that your current coverage is adequate and to understand possible liabilities better.
Do not take insurance as a given. There are many options when it comes to claims, deductibles, and coverage. Know what your liability will be before you start a DIY project, because discovering it after can be costly.
Some DIY projects, especially those on the roof or gutters, can be difficult and even dangerous to do yourself. It’s best to call a professional like Patriot Roofing Services to provide you with an estimate.