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To prevent falls, replace uneven concrete pathway slabs or level them using a process called slabjacking or mudjacking.
Fence off the pool and install a locked gate.
Install an alarm system for the hot tub and pool.
Establish buddy rules so no one uses the pool or hot tub alone.
Keep the hot tub locked when it is not in use.
Make sure your garage door has a reverse feature. If not, replace it.
Test the closing setting of your garage door and adjust accordingly.
Have a trained professional replace old garage-door springs or make maintenance adjustments to working garage-door springs.
For uneven private paths and steps, have sunken concrete, stones, or pavers raised or replaced.
Install a fenced area for the dog or other pets.
For dog safety, teach it to socialize with people and other animals and avoid situations where the dog's response would be unclear.
If your dog is a danger to others, use warning signs to prepare those who visit your home.
Insurance Coverage Tips Review your insurance policy annually. Depending on the risk and liabilities a home's exterior presents, a homeowner may need standard coverage or additional coverages. Here are some to consider, courtesy of the Insurance Information Institute:
Replacement cost covers damage to the structure and payment for materials of similar kind and quality.
Extended replacement cost provides added coverage beyond the limits of a policy, which is important when there is widespread disaster that pushes up labor and materials costs.
Inflation guard automatically adjusts rebuilding costs to reflect changes in construction costs. A policy may cover this or the coverage may have to be purchased separately.
Ordinance or law coverage provides a specific amount toward rebuilding a home to meet new, and often stricter, building codes.
Water back-up coverage insures a property for damage from sewer or drain backup. Most insurers offer it as an add-on to a standard policy.
Flood insurance is available through the federal government's National Flood Insurance Program (NFIP) or through the agent who provides your basic insurance. Be aware that there is a 30-day waiting period for flood insurance before it takes effect.
Excess flood protection provides coverage over and above the NFIP coverage in the event of catastrophic loss by flooding.
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