Door refinishing is an aspect of home maintenance that you may not immediately think of as having a direct impact on your home insurance. However, this seemingly insignificant task can have profound implications on the terms of your coverage, the premiums you pay, and indeed, on the potential for filing a claim. Here’s why.
Protects Against Damage Over Time
Just like every other part of your home, doors are subject to the usual wear and tear. Regular refinishing can minimize damages, helping to maintain the appearance and overall structure of your doors. This proactive approach to maintenance can reflect favorably on your home insurance premium because insurance companies appreciate clients who take steps to prevent damage to their homes.
Avoids Expensive Replacement Costs
Buying and installing a new door can be quite expensive, especially if it’s an emergency replacement due to unforeseen damage. Regular door refinishing can prevent these damages from getting to a point where the entire door needs replacing. You will, therefore, avoid having to make a claim on your home insurance, which can, in turn, prevent your premium from surging.
Enhances Home Security
If you have wooden doors, they can become weak and compromised without regular refinishing, making your home easy target for burglaries. A well-refinished door is sturdy and can offer more resistance to burglars, which can reduce your liability and therefore, your insurance premiums.
Frequently Asked Questions
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How often should I refinish my doors?
Every 2-5 years is generally recommended, but it can vary depending on the type of door and your local climate conditions.
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Can I refinish a door myself or do I need a professional?
Door refinishing can be a do-it-yourself project, particularly for those who are handy. However, hiring a professional can ensure a higher quality result.
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Will all insurers reduce premiums for regular door maintenance?
Not always, but insurers do appreciate it when homeowners take steps to maintain their homes, so it can potentially benefit you. Always check with your insurance company to clarify what types of maintenance can affect your premiums.
In conclusion, door refinishing may seem like a small detail in the grand landscape of home ownership, but it plays a critical role in maintaining the property’s integrity, safety, aesthetics and insurance-related matters. Thus, don’t overlook it, because those details could lead to significant savings and benefits in the long run.
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