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Making Your House Stand Out in a Tough Market

Making Your House Stand Out in a Tough Market

Making Your House Stand Out in a Tough Market

As the real estate industry continues its downward trend, it’s becoming increasingly difficult to sell your home. Prices have dropped, there are more listings than ever to choose from and sellers are giving incredible deals to buyers. Here are a few tips to make your home stand out.

Curb Appeal

Curb appeal is the first way to draw attention to your home. Since it is the first thing that anyone sees, you want the “WOW” factor. I know people that have bought houses just because of the spectacular landscaping. I also know people who have not even bothered looking inside of a house because of the condition of the exterior. Make sure the exterior of the house is in tip-top shape so the potential buyer immediately wants to see the inside.

The following is your list of items to maintain curb appeal:

• Cut grass

• Trim all hedges and bushes

• Add mulch to beds

• Have flowering plants or potted flowers on the porch

• Keep toys out of sight and place in the backyard or in a shed

• Clean all cluttering debris such as sticks, garbage, old newspapers, etc.

• Replace all the light bulbs surrounding the house
You want the inside of your house to wow potential buyers just as much as the outside.

The following checklist gives ultimate interior appeal. Make sure all items are completed before the first showing of your house is scheduled.

• Clean! Every floor, window, closet and cupboard!

• Remove excess clutter, toys, paperwork and knick-knacks. Clutter makes counter tops and rooms appear smaller than they really are.

• Paint the walls in dirty rooms or where a room needs brightening. Bright rooms give the appearance that they are more spacious.

• Make repairs to anything needed – hinges, doorknobs, plaster, steps, plumbing, etc.

• Replace all burned out light bulbs.

• Wash all window coverings. Open all of the curtains and blinds before a showing. Natural light makes a room appear bigger.

• Open the doors and windows before a showing to fill the home with fresh air.

When the inside and outside are clean and neat, you may need to provide a bigger incentive to your potential buyers. If the house has repairs that you didn’t have the time or cash to fix, you can offer credit towards the purchase price. That way, you acknowledge the repairs and give the buyer a discount for accepting the home as is.

Another option is to offer an allotment if your house needs new carpeting or flooring. Buyers like allotments because they get the item new, plus they get to pick out their colors. A win-win situation for everyone.

The time spent cleaning, making minor repairs, and providing incentives for major repairs, will make your home stand out above the competition. Although these little fixes may require some time and effort, selling quickly in a tough market will be worth the effort in the end!

Can Your Home Insurance Stand Up To The Weather?

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.

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