Screen Doorways – Safety and Security

Screen Doorways Safety & SecurityDo you want to enjoy fresh air staying indoors? Should the air be clean, free from dust or pollution? All this is made possible by mesh doors which are easily accessible using remote control. These doors are not only easy to use, convenient, affordable but also helps you stay safe and guards your valuables. Retractable doors also give you a good visual appearance.

People today are very much concerned about protecting themselves from hazards, skin diseases due to harmful UV rays and break-in. It is really important to know about the pros and cons of having doorways and also about the materials used in framing these doors. People always opt for wood, metal or plastic materials as frames. But people need to realize that wood frames though spectacular, gets worn out soon due to change in weather conditions. Be it metal, steel or aluminum, gets corroded or becomes resilient to influences outside. With people looking for more considerable and easily affordable frames opt for vinyl frames.

Screen Doors

With advancement in technology, there are many kinds of screen doors. A retractable door and roll up doors fitting into the tube, these doors not only looks spectacular but also enlightens your entrance door which can be of fair cost. Other types of doors are sliding doors, electronic doors which can be accessed by remote control. Such screen doors protect you, your pet and family members from UV rays. They are also weather resistant, highly durable and strong to withstand drastic changes in climate.

Many companies today produce different types of screen doors in order to meet customer’s expectations. These do not cost lot of cash and one time fix lasts for long. With different price versions, they are worth the price paid with added benefits. With mesh doors you can stay inside your home and answer a stranger, preventing theft. Screen doors assure safety and gives security.

How home building material impacts your policy rate

Materials Impact on Premium RatesInsurance companies look at all aspects of a home to assess risk and determine the premium that they will charge. For example, they look at the location to see how close you are to a fire hydrant and whether you live in a high-crime neighborhood. If you live in a hurricane-prone area of the country, that can affect your rates. One of the most obvious factors that will influence the amount of premium you pay is the type of building materials used to construct your house.

The following are 6 ways building materials can impact your policy rate.

  1. Replacement Cost – More expensive materials cost more to replace and can raise the premium you pay
  2. Custom Features – If you have crown molding, expensive wooden doors, custom kitchen cabinets or a fancy wood deck, you may pay more because the replacement cost to put your house back in the same condition it was in can be high.
  3. Wood Frame Houses – Although they can be just as sturdy as concrete or brick, in the event of a fire, wood is much more susceptible to destruction. This may or may not raise your rates.
  4. Roofing – Having an old roof makes it more likely to need repair or replacement. Newer roofing materials tend to last longer and perform better so insurance companies assess them with a lower risk score than an old shingle roof.
  5. Electrical Wiring – If you live in an old house and your wiring is not up to code, chances of an electrical fire increase. The need to replace a home’s wiring so that it is up to code can add to the price of your homeowners insurance policy.
  6. Plumbing – Just like wiring, old plumbing is more likely to fail and possible cause serious water damage. Insurance companies take note and adjust the premium to reflect the added risk.

Why wood burners change a premium

Impact on Your InsuranceIf you own a home and have a wood burning stove or burn wood in a fireplace, you might be surprised to know that your insurance company may be charging you a higher premium on your homeowners insurance policy. Not every insurance company will charge you higher premiums for a home that burns wood for heat or cooking, so you will have to check with your insurer to see what their policy is.

The logic behind charging you a higher premium because you choose to use wood as a source of heat or for cooking is that it increases the risk of a fire that could damage or destroy your house.

If you do decide to convert to a wood-burning system, you should contact your insurance company and notify them of the change. Depending on the company, they may or may not change your premium.

Many insurance companies will only require you to provide proof that the wood burner was installed properly, received an inspection and was certified as being up to code. They will not automatically raise your rates.

Even if they do raise your rates by $50 or $100 to keep your coverage in the same amount, the money you save by using wood as a fuel source instead of electricity or gas will normally more than offset the bump up in your homeowners insurance premium.

Having a licensed professional contractor install your wood burning unit is the safest way to go. Insurance companies may be suspicious of any do-it-yourself installations and closely scrutinize the installation and safe operation of your new heat source.


Why Wood Burners Change A Premium

Effect Your Premium RatesPeople love to sit around a fireplace and watch the fire as it slowly goes out. Many times families will play games or watch a movie in the glow of the fire. Fireplaces do not concern an insurance company as much as a wood burner does. A fireplace is usually set into the wall and the fire is usually sectioned off from the rest of the house. A wood burning stove is freestanding in a room, and the fire is contained within the housing of the burner.

A freestanding wood burning stove has more potential to cause a fire than does a fireplace because it has more opportunity to be disrupted and has a greater chance of a spark reaching the floor to cause fire. Some insurance companies will not even insure a home with this kind of heating device. If they do there is usually a higher charge for the added risk of fire.

Insurance companies that insure wood burning stoves will often have requirements of how the stove is to be installed and maintained on a year-to-year basis. Most of the time, the stove has to be installed by a contractor who specializes in wood burner installation. The certification and yearly inspection form then has to be sent into the insurance company to keep the policy from being canceled. The insurance company will tack on a surcharge to the premium for the added risk. So a home without a wood burning stove will usually be cheaper to insure than a home with a wood burning stove.