Most standard homeowners policies include “loss of use” coverage, also known as additional living expenses coverage. Following a covered loss, you can file a claim through your loss of use coverage to pay for any additional living expenses you incur because you’re displaced. The average homeowner purchases a home insurance policy to pay rebuilding costs following a natural disaster and to protect their belongings against theft.

• Participants in a finewoodworking.com forum advise that if lumber is wet, stack and sticker it.
• Working with wood has a practical goal which will benefit the entire family.
• If it is then piled outdoors, the insects can crawl out from the wood to begin infesting and breeding in new areas.
• Lengthen the life of your pillar candles by placing them in the freezer the day before you burn them.
• First, remove debris, ash, and wood that may have accumulated in the fire pit throughout the summer.
• Your home insurance deductible is the amount of a covered claim that is your responsibility to pay before your insurance starts to cover costs.
• Have your chimney inspected by a certified chimney sweep.

The determination of whether your house is vacant or unoccupied will have a large effect on your insurance rates. Generally, if you plan to leave your home vacant or unoccupied for 30 days or more, you’ll want to purchase unoccupied or vacant house insurance. If you’re the victim of vandalism to your home, you’ll want to follow the below steps to make sure you get the most out of filing an insurance claim.

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Open MeadowThe exposed brick fireplace in thishome remodeled by Open Meadow Renovations only adds to the farmhouse kitchen’s charm. The brick veneer over the oven contributes to the room’s rustic appeal. A black metal flue gives the update an industrial edge. Timothy GodboldThink of your fireplace as a neutral backdrop.

You can keep this from happening by using paint, polyurethane or varnish to seal any exposed wood with a layer of protectant. There are a number of things that you can do to prevent wood-boring beetles from getting into the wood in your home. One thing to keep in mind, however, is that since most damage occurs beneath the surface, you may not actually see the insects responsible. For that reason, you may need expert help to confirm you do have a wood boring insect problem before you can move on to treatment and prevention. Flathead wood borers vary greatly in size, anywhere from ¼” to 2 ½” in length.

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By forcing your enemy to move to a different piece of cover you might get in a lucky shot and down your foe or you might force him to retreat to a position that is more exposed. If the enemy is so intimidated by your fire then you can move about with relative safety. You an stroll up and toss a grenade in his hole if he is so intimidated. This means discourage the enemy from firing accurately. It takes time to acquire a target and aim and if bullets are hitting near him, he might not be willing to take that time. Accurate fire is what wins a fight, that is why Marines, Rangers, and other elite units consider marksmanship so important.