#springmaintenance

What to align on before design or demolition

Spring is the ideal time to take care of your septic system, and Cosby’s Septic Services Ltd has been serving the Niagara Region since 1960. Their experienced team and top-quality equipment ensure the job is done right the first time.

Fully licensed and proudly serving communities across the region—book your spring service today!

Call 905.894.2741 or visit: https://cosbysepticservice.com

April is known for spring cleaning and essential maintenance—and when it comes to your vehicle, that means far more than oil changes and tire rotations. National Car Care Month is the perfect time to make sure every part of your car is in top shape… including your auto insurance.

While you’re checking fluids, replacing wiper blades, and preparing for warmer weather driving, it’s just as important to take a closer look at your coverage. Because real car care isn’t just about how your vehicle runs—it’s about how well you’re protected on the road.

Over time, your driving needs can shift more than you might realize. Maybe you’ve added a new driver to the family, purchased a new vehicle, changed your daily commute, or even started working from home. Each of these changes can impact your insurance needs.

If your policy hasn’t been reviewed recently, there’s a good chance it may not reflect your current lifestyle. Making sure your coverage evolves with you is one of the smartest ways to stay protected and avoid surprises down the road.

Your car is an essential part of your daily routine. Whether you're running errands, commuting to work, or planning a road trip with family or friends, you rely on your vehicle to get you there safely.

But if the unexpected happens, having the right auto insurance makes all the difference.

A strong policy can help cover:

Damage to your vehicle

Contents inside your car

Medical expenses resulting from an accident

Legal obligations if you’re at fault

Protection if the other driver is uninsured or underinsured

At Kramer Insurance, you’re not just getting a standard policy—you’re getting coverage designed to go further.

Coverage That Goes the Extra Mile

Kramer Insurance offers auto policies with valuable features you won’t always find elsewhere, including:

Coverage for travel costs like meals and lodging after a covered comprehensive loss

Protection for damage to a non-owned trailer

A waived comprehensive deductible for windshield repairs when repaired instead of replaced

These added benefits are designed to keep you moving forward, even when life throws a curveball.

Make Insurance Part of Your Spring Routine

This month, as you focus on keeping your car running smoothly, don’t overlook one of the most important parts of vehicle ownership—your insurance coverage.

A quick review now can give you peace of mind for the months ahead.

Ready for a Coverage Check?

As the seasons change and temperatures begin to rise, spring is a great time for homeowners to take a closer look at their property. Cold temperatures, snow, ice, and winter storms can leave behind wear and tear that isn’t always noticeable until the weather warms up.

Taking time in early spring to inspect your home can help identify small issues before they turn into larger, and more expensive, problems. Addressing routine maintenance early can also reduce the likelihood of needing to file an insurance claim later.

A careful inspection of your roof, ceilings, windows, gutters, and yard can give you a better idea of how your home handled the winter months and what projects may need attention this season. According to Erie Insurance, here are some ways you can protect your home this spring: 

Inspect Your Roof for Damage

Your roof is one of the most important parts of protecting your home from the elements, and winter weather can be especially hard on it. As you inspect your roof this spring, look for:

Missing or loose shingles

Cracks in roofing materials

Signs of leaks or moisture

Even small issues can worsen over time if they aren’t addressed. If you notice damage, it may be worth contacting a professional to determine whether repairs are needed. It’s also a good time to review your homeowner’s insurance policy to ensure you have the right coverage if damage does occur.

Understanding Guaranteed Replacement Cost Coverage

One coverage option to consider is Guaranteed Replacement Cost (GRC). This type of coverage pays the full cost to rebuild or repair your roof without factoring in depreciation.

While policies that include Guaranteed Replacement Cost may come with a higher premium or deductible, they can provide peace of mind knowing your roof could be repaired or replaced without concern about how much its value has decreased over time.

Check for Other Signs of Winter Damage

While your roof should be a top priority, it’s also a good idea to quickly check a few other areas of your home for signs of winter wear.

Ceilings: Look for stains or discoloration, which can indicate a leak caused by roof damage or ice buildup during winter.

Doors, Windows, and Screens: Check for broken hinges, damaged frames, cracked seals, or drafts. Before removing storm panels, inspect window screens for holes or tears.

Driveways: Freezing and thawing cycles can cause cracks in concrete or asphalt. If you notice several cracks, resealing your driveway may help prevent further damage.

Gutters: Clear out leaves and debris that may have built up over winter. Heavy debris and ice can weigh down gutters and lead to damage if not addressed.

Protect Your Home This Spring

Regular maintenance is an essential part of homeownership and can help prevent costly repairs down the road. Taking the time to inspect your home each spring ensures it stays in good condition year-round. 

As the chill of winter fades and the warmth of spring emerges, it’s the perfect time to give your home some much-needed attention. Regular home maintenance not only keeps your home looking great but also helps prevent costly repairs down the road. At Kramer Insurance, we understand how important it is to protect your biggest investment. Follow this spring home maintenance checklist to keep your home in top shape for the season ahead.

1. Inspect Your Roof and Gutters

Winter weather can take a toll on your roof. Look for missing or damaged shingles, and check for leaks or signs of wear. Clean out gutters and downspouts to prevent water damage and ensure proper drainage away from your home’s foundation.

2. Check Your HVAC System

Spring is the ideal time to service your air conditioning unit before the summer heat kicks in. Replace filters, check for leaks, and consider scheduling a professional tune-up to ensure your system runs efficiently.

3. Examine Windows and Doors

Inspect your windows and doors for gaps or cracks that could lead to energy loss. Caulk or weatherstrip as needed to improve energy efficiency and keep your home comfortable. Clean window screens and check for any necessary repairs.

4. Test Smoke and Carbon Monoxide Detectors

Safety first! Replace batteries in smoke and carbon monoxide detectors and test them to ensure they are functioning properly. This simple step can make a big difference in protecting your home and loved ones.

5. Inspect Your Foundation and Exterior Walls

Look for cracks or signs of shifting in your home’s foundation. Check exterior walls for signs of damage, such as peeling paint or mold growth, and address any issues promptly to prevent further damage.

6. Prepare Your Lawn and Landscaping

Rake up any leftover winter debris, trim overgrown shrubs, and fertilize your lawn to encourage healthy growth. Inspect your irrigation system for leaks and ensure proper watering coverage.

7. Check Your Home’s Plumbing

Inspect faucets, pipes, and hoses for leaks. Look under sinks and around appliances for any signs of water damage. If necessary, schedule plumbing maintenance to avoid potential water issues.

8. Clean and Organize Outdoor Spaces

Spring is the perfect time to clean up patios, decks, and outdoor furniture. Power wash surfaces, check for structural damage, and apply a fresh coat of sealant to protect against the elements.

Protect Your Home with the Right Insurance

While regular maintenance helps prevent costly repairs, having the right homeowners insurance provides an added layer of protection. Make sure your policy is up to date and covers potential spring hazards, such as flooding or storm damage.

At Kramer Insurance, we’re here to help you protect what matters most. Call us today at (765) 896-8852 or visit kramerinsuresit.com to review your policy and ensure you have the coverage you need.

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