Category Archives: Yard & Outdoors

Can Your Home Insurance Stand Up To The Weather?

June 27, 2023   Matt

Can Your Home Insurance Stand Up To The Weather?

In 2004, the insurance industry estimated that about 45% of their settled claims were for damages caused by weather. This past January, that percentage climbed as high as 60%, with a possible £300 million worth of damages being claimed by homeowners for weather related incidents.

Is your home covered against damage from high winds? Will your insurance company pay out to repair damage caused when your plumbing freezes? How much will you have to pay out of pocket for repairs if heavy snow takes out your rain gutters or damages your roof?

If you’re not sure of the answers to those questions, it might prove enlightening to pull out your home insurance policy and have a read. According to an industry spokesman, too many homeowners find out what their buildings insurance does and doesn’t cover after they have incurred a loss and submitted a claim. That’s the case for many homeowners who suffered damage to their homes during the high winds of the past January who found, to their shock, that they’d be bearing the brunt of the repair bills from their own pockets.

In fact, the most recent figures suggest that over one third of homeowners have no home insurance at all, and many more are paying out for policies that don’t adequately cover the damages that they might face from adverse weather.

Home insurance policies vary widely on precisely what weather damage they cover, and how much you’re expected to pay out before the insurance company will pay its share. That’s why it’s important to sit down with your policy or your broker – or both – to discuss precisely how much coverage you have for weather-related damages, and if there are limits and exclusions to that cover. Some of the most common exclusions and limits include:

Damage from floods

If you live in an area with a high possibility of flooding, you may need to purchase separate cover to deal with damage from flooding. It’s vital that you not neglect this, say insurance spokesmen. The cost of repairing damage after a flood can easily run to £30,000 or more. Compare that to the average weather related claim of about £500.

Water damage from burst pipes

Watch for limits on the amount of damages you can claim if your pipes freeze and burst. A burst pipe in your loft can quickly damage walls and ceilings, and result in unhealthy growth of mold and mildew if not cleaned properly. The cost of all those repairs can easily and quickly mount above typical limits on damages.

Contents cover

If you only have buildings insurance, you may find yourself out of luck when damage to your roof results in the destruction of your expensive draperies, carpets and furnishings. Even if you carry cover for your home contents, you may want to carry extra insurance if you own expensive items like Oriental rugs or fine artwork.

Outdoor and garden items

Many policies only cover items inside your home from weather damage, while other policies will even pay to replace plants damaged by storms in severe weather. If you’re an avid gardener, or have outdoor patio and yard equipment, consider a policy that includes garden cover.

Be sure to review your policy periodically to be certain that you’ve kept it up to date, especially when you make new purchases or add an extension to your home.

Read More

Landscaping at One’s Fingertips

June 17, 2023   Matt

Landscaping at One’s Fingertips

There was a time that landscaping was done using some paper and a pencil. It would also entail the help of a professional who specializes in that field but the age of the computer has made this task easier for an individual, since there are programs readily available for an individual to use and specifically designed for ones specifications.

Since there are many systems available, the first thing the person needs to determine is the system requirements that are needed for it to work in his computer. He can check this by looking at the packaging of the software program which will help the person avoid buying something that will not be able to work for him.

The project one will do may use up a lot of memory on the computer. So, it is advisable for the person to check to make sure there is enough space in his computer to accommodate the workload.

Some computer programs allow the user to inject pictures into the program but this is only been available in the newer computers. There is also software available that is not programmable which puts limitations when one is doing work on the his computer.

One of the things some people want to do when planning the landscape is view it in a 3 dimensional perspective. There are also programs that can do this but learning how to do it will take some time and will require one to attend classes and learn from a professional.

Old software that was purchased in the past can be upgraded later to the more updated version. Visit the website of the computer manufacturer to find the needed information, or consult a computer technician.

Computers have made it easier for people to do things since programs designed for landscaping cater to landscaping professionals, or for those who just want to update their own landscape. These programs can be found on the internet and are sold at a reasonable price. All the person has to do is order it will delivered in a few days.

Whatever the purpose, the price of these programs varies according to what the software can do. Should one want to have special effects and other things, this will cost more so it is best to determine the objective your desire before starting and determine if it within your budget.

Read More

Home Gardening

June 12, 2023   Matt

Home Gardening

Over the last few years home gardening has become an increasingly popular past-time and hobby. In fact, studies show that home gardening is at an all time high in America right now. In the United States 8 out of 10 households take part in some type of home gardening activity. Obviously from the number of people that are doing it, home gardening is one of the most popular recreational activities in nation.

Most people that try their hand at home gardening plant flowers; at least they start out planting flowers anyway. Roses will probably be the first thought into any gardeners mind, but roses will take extra time and work, and should probably be left to those who have gardened before. When planting flowers many choices are available, such as bulbs, perennials, and annuals.

Edible plants are another big thing in home gardening. Perhaps the best thing about edibles is the reward of eating them. The list of edible plants that gardeners can grow at home is endless. Some of the most common edible plants in the vegetable arena are, potatoes, peas, corn, carrots, squash, and cucumber. Many gardeners opt for fruits, such as, watermelons, tomatoes, peaches, plums, apples, pears, and apricots. Small fruits, such as strawberries, blueberries, and raspberries usually require less work and less space, making them much more feasible for home gardening. Herbs, most often used as spices in cooking, are growing in popularity every day; some of the most grown include basil, thyme, oregano, parsley, and cilantro. One of the most important things to watch for when planting edibles is insects and disease, after all, you don’t want to miss out on the feast you will get to enjoy from healthy plants.

Many people don’t realize it, but landscaping is a form of home gardening. Landscaping covers many different areas and forms of gardening. You can even classify mowing your lawn as landscaping! Keeping in the line of grasses, landscaping nearly always involves decorative grasses, and the great thing about them is they don’t take much work for upkeep. Types of grass include monkey grass, pampas, buffalo grass, flame grass, and ornamental millet. Landscaping is not just limited to plant life, but also includes anything done to a yard for decoration, such as adding rocks or stones, putting a small pond, statutes, or a waterfall.

There isn’t much difference between home gardening and gardening anywhere else. Plants still need to be planted in a good location. The plants still need water and they still need the same nutrients. Home gardening shouldn’t cause anyone to get nervous. If you do decide to try homing gardening and finding out that you don’t have a green thumb, don’t get discouraged. Get some information, read up on gardening, and try it again the next planting season.

Read More

Gardening And Landscaping: The Benefits Of Landscape Design Software

June 07, 2023   Matt

Gardening And Landscaping: The Benefits Of Landscape Design Software

Many a person who is interested in crafting and creating a lovely lawn and garden spends a great deal of time scratching his or her head trying to figure out exactly how to get started on the landscaping process. Perhaps you find yourself in such a position at this point in time. Perhaps you have decided that you want to better and beautify your yard but you do not exactly know how to get started.

In this regard, if you are like most people you do not have unlimited funds to invest into gardening and landscaping. Consequently, you may not feel as if you are in a position to hire a professional landscape consultant or garden expert. In short, you may feel rather adrift on a what might be coined a sea of bare dirt.

One tried and true solution that you might want to seriously consider when it comes to gardening and landscaping is the utilization of landscape design software. Indeed, in the 21st century, an ever growing number of men and women who are interested in creating lovely garden spots are relying on landscape design software programs to further their efforts.

Many a gardener wrongly assumes that typical landscape design software programs are out of their reach for two reasons. These people assume that these software programs will be too expensive. Additionally, these people conclude that a landscape design software program will be complicated and difficult to utilize.

Of course, there are a number of high end landscape design software programs that are designed for garden and landscape professionals. It is true that these types of programs can require a significant financial investment and it is likewise accurate to note that some of these programs can be quite complicated in their operation. However, in recent years, a new generation of landscape design software has been created with the typical consumer in mind.

As a result, there are now a number of different, reliable landscape software programs on the market today that are both economical and easy to use. These programs allow a person with only rudimentary computer skills to be able to design truly attractive and appealing landscaping schemes.

There are a number of different outlets through which a consumer can purchase user-friendly, economical landscape design software programs. Of course, the Internet is a natural resource for such software (as it has become for so many items and services in the 21st century). Additionally, an ever increasing number of garden supply shops and stores in the brick and mortar world have taken to adding tried and tested landscape design software to their stocks and inventories. Indeed, many of these merchants offer classes and training in the use of landscape design software for their customers and patrons.

Read More

Improving Your Home Is Easy When You Know What To Do (2)

June 02, 2023   Matt

Improving Your Home Is Easy When You Know What To Do

Improving the quality of your home is something that everyone dreams of doing. Some projects are small and more like the “do it yourself” kind, while others are large and may require the assistance of a contractor. Whatever type of project you choose, though, the time and money you spend can be well worth the effort. The trick is to pick the right projects and do them well. Here are a few tips that can help when you’re making your home improvement decisions.

Prepare for loss of water use. If you are planning any project involving plumbing and/or shutting off the supply of water to the house, make sure you account for your family’s needs. You should at the very least have several buckets of water available for manually flushing the toilet; or you could consider renting a portable lavatory for longer projects.

When improving the outdoor of your home, replace your garage door. When someone is looking at your home from the outside, the garage door is a major feature. You can install a new garage door to provide your home with a new and good looking feature that will attract attention to your home.

Create space with cabinets. Building new cabinets in your home is a simple home improvement project that has multiple uses. Not only are handmade cabinets useful space-makers, they can also be beautifully stained to match any home’s decor. Adding your own unique viewpoint can give your home a personal touch without harming any value it may have.

If you don’t like to nail pictures to the wall because of the holes the nails make, an easy solution is buying mounting squares. Mounting squares can easily hold a few pounds and can be quickly removed without damaging your wall. Stick four squares altogether, one in each corner of your frame to mount your picture properly on your wall.

Many home builders save money on construction costs by installing only solid wood or particleboard cabinets that do not have any type of hardware. Fortunately, you can purchase cabinet knobs, drawer pulls, and handles online or at any home improvement store. You can opt for vintage-look pulls, modern knobs, or designer accents that can be installed in minutes.

For a quick update that can make the exterior of your home pop, update your mailbox. Rain, extreme temperatures, and splashed mud can all cause your box to look grungy and deteriorate. A new coat of paint, new lettering, or replacing the box and pole altogether can add a nice touch to your outdoor decor.

If you’re unsure of how to fix something in your home, hire a professional instead. Many people start in on home improvement projects thinking that they can do it easily, but that is not the case with many projects. It is easier and more cost effective to let a professional handle it instead of messing up and throwing your materials out.

The tips and tricks of the pros can help you create your own home improvement check list. Whether you decide on smaller projects to complete on your own, or whether you decide to bring in a contractor, you’re home will surely benefit from taking on a few home improvement projects.

Read More

Crime Prevention through Environmental Design (CPTED)

May 28, 2023   Matt

Crime Prevention through Environmental Design (CPTED)

Crime Prevention through Environmental Design (CPTED)
What is CPTED? The official book definition is “the proper design and effective use of the built environment that can lead to a reduction in the fear and incidence of crime and an improvement in the quality of life.” It is simply a goal to reduce opportunities for crime that may be inherent in the design of structures or in the design of neighborhoods. In other words, make your home or neighborhood unappealing to burglars and thugs.
Cities and Counties throughout the country are adopting CPTED ordinances requiring site plan reviews with crime prevention in mind. Law enforcement officers who are specially trained in CPTED are now working closely with Planners, Architects, City Officials, and Educators to ensure the proper design of structures, schools, and neighborhoods. These experts know how the design and use of the environment can control human or criminal behavior and reduce the fear of crime. They used natural means such as landscaping to deter criminals. Access control, natural surveillance, different aspects of lighting and its effects on human behavior, all deter crime.
Many landscape specialists incorporate CPTED into their layout & design of landscapes. Each of the following CPTED strategies are low cost guidelines that they apply to reduce the fear and incidence of crime and improve the quality of life.
1. Natural Access Control guides people entering & leaving a space through the placement of entrances, exits, fences, landscaping & lighting. Access control can decrease opportunities for criminal activity by denying criminals access to potential targets & creating a perception of risk for would-be offenders. Walkways & landscaping should direct visitors to the proper entrance & away from private areas. The design should create a perception of risk for would-be offenders. Walkways should be installed in locations safe for pedestrians & keep them unobscured.
2. Natural Surveillance is the placement of physical features, activities & people in a way that maximizes visibility. A potential criminal is less likely to attempt a crime if he or she is at risk of being observed. At the same time, we are likely to feel safer when we can see & be seen. The landscaping should be selected and installed to allow unobstructed views of doors & windows. The front door should be at least partially visible from the street. Shrubs & bushes near windows should not restrict full visibility of the property. Sidewalks & all areas of the yard should be well lit.
3. Territorial Reinforcement is use of physical attributes that express ownership such as fences, signage, landscaping, lighting, pavement designs, etc. Defined property lines and clear distinctions between private & public spaces are examples of the application of territoriality. Front porches or stoops should create a transitional area between the street & the home. Property lines & private areas should be defined with plantings, fences or retaining walls. Use thorny plants along fence lines and under windows to deter access by intruders.
4. Maintenance is a well maintained home, building or community, and creates a sense of ownership. A well kept area tends to make someone feel like they will be observed by neighbors or business owners as it is obvious people care about the area. Keep trees & shrubs trimmed back from windows, doors & walkways. Keep shrubs trimmed to 3 feet & prune the lower branches of trees up to 7 feet. Use exterior lighting at night & keep it in working order. Keep litter & trash picked up & the yard neat & free of items that might attract theft.
You can find links to more CPTED resources at www.kicklighter-landscaping.com.

Read More
« Older posts
Newer posts »

  • Subscribe

Support us!

If you like this site please subscribe