Do I Need Homeowners’ Insurance to Renovate My Home?
Halloween is only supposed to give off the facade of scariness. But this holiday may make your reality frightening if there is an incident on your property. That is, someone might have gotten hurt or your property may have incurred damages. Either way, you may seek the aid of your existing homeowners’ insurance policy. With that being said, please continue reading to learn how homeowners’ insurance can protect your property on Halloween and how one of the experienced New York property damage attorneys at The Law Office of Craig A. Blumberg, P.C. can help ensure your safety.
How can my homeowners’ insurance policy protect my property on Halloween?
On Halloween, children will inevitably walk through your New York neighborhood participating in the holiday’s festivities. While some may have the intent of innocently collecting candy from door to door, others may have the idea of participating in mischievous acts. That is, October 31st is notorious for reporting the highest theft and vandalism rates to homeowners’ insurance companies. Well, you may rest easier knowing that your existing policy may protect you in the following scenarios:
- An individual may spray paint your front door which ruins its paint.
- An individual may throw eggs at your home that shatter your windows.
- An individual may steal your Halloween decorations from your front yard.
- An individual may tear down your Halloween decorations and damage your landscaping.
- An individual may knock over a Jack-O-Latern with an open flame and start a fire on your property.
What should I do to keep my property safe on Halloween?
On the flip side, if you expect to have Halloween trick-or-treaters at your doorstep, you must do your due diligence in clearing your property from any potentially hazardous conditions. This is so you may protect yourself from a serious third-party claim against you. Nonetheless, below are some safety tips you should follow:
- You may ensure your front steps and railing are tightly fastened into place.
- You may have your dog on a leash or in a cage during peak trick-or-treating hours.
- You may forgo real candles and open flames with the Halloween decorations in your front yard.
- You may install motion sensors and lights to illuminate your front walkway and front steps at nighttime.
- You may ensure your Halloween decorations are not placed in obstruction to your front walkway and front steps.
It is worth mentioning that if you do not believe your property is safe enough to welcome visitors, you may post a sign before your front entrance that instructs individuals not to enter. At any rate, contact one of the skilled New York third-party claim attorneys to gain the emotional and legal support you require during this pivotal time. Our team at The Law Office of Craig A. Blumberg, P.C. looks forward to helping you.
