First Impressions Matter to Insurers Too
When insurance inspectors visit a habitational or rental property, one of the first things they evaluate is the exterior. Overgrown shrubs, cluttered yards, and misplaced grills aren’t just cosmetic issues—they pose real risks that can impact your coverage or premium.
Key Concerns:
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Overgrown Vegetation: Tall grass, bushes, or weeds near the building can be a fire hazard and also harbor pests that lead to property damage.
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Overhanging Trees: Branches too close to roofs can cause direct damage during storms and increase the risk of water intrusion or mold.
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Grills Not Properly Distanced: Outdoor grills should be at least 15 feet from buildings. A fire from a grill too close to a structure could lead to major losses—and claim denials if guidelines weren’t followed.
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Yard Clutter: Debris or storage on porches and in yards increases trip hazards and attracts vermin.
Risk Solved: Addressing these items minimizes hazards that can lead to fires, pest infestations, and injury claims. It also improves curb appeal, which insurers consider an indicator of property maintenance and overall risk. Regular upkeep can help avoid premium increases and unfavorable policy terms.
