{"id":182789,"date":"2025-05-14T15:44:25","date_gmt":"2025-05-14T21:44:25","guid":{"rendered":"https:\/\/www.biggerpockets.com\/blog\/?p=182789"},"modified":"2025-05-14T15:44:32","modified_gmt":"2025-05-14T21:44:32","slug":"five-things-on-your-spring-checklist-to-prevent-insurance-claims","status":"publish","type":"post","link":"https:\/\/www.biggerpockets.com\/blog\/five-things-on-your-spring-checklist-to-prevent-insurance-claims","title":{"rendered":"Landlord Spring Checklist: Protect Your Investment and Prevent Insurance Claims"},"content":{"rendered":"\n<p><span data-preserver-spaces=\"true\">For most people, spring is about deep-cleaning the garage, planting flowers, or finally putting away that rogue holiday decoration <\/span><span data-preserver-spaces=\"true\">still sitting<\/span><span data-preserver-spaces=\"true\"> in the hallway (you know <\/span><span data-preserver-spaces=\"true\">the<\/span><span data-preserver-spaces=\"true\"> one). But for landlords? Spring is your golden opportunity to get ahead of the curve and protect your property from expensive, avoidable insurance claims.<\/span><\/p>\n\n\n\n<p><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/landlord-insurance-trends-in-2025\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Insurance<\/span><\/a> <span data-preserver-spaces=\"true\">is meant<\/span><span data-preserver-spaces=\"true\"> to protect you as the property owner, but things can get a little sticky when claims stem from things <\/span><em><span data-preserver-spaces=\"true\">you <\/span><\/em><span data-preserver-spaces=\"true\">could have caught early. A loose shingle here, a clogged gutter there, and suddenly, you\u2019re footing the bill for a flooded basement or a liability lawsuit from a trip hazard.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">This<\/span><span data-preserver-spaces=\"true\"> isn\u2019t just a seasonal to-do list. It\u2019s a proactive strategy to defend your <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/rental-property-cash-flow-analysis\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">cash flow<\/span><\/a><span data-preserver-spaces=\"true\">, tenants\u2019 safety, and insurance policy.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">So, whether you self-manage one rental or oversee a portfolio, these spring maintenance steps are your front line of defense. The best part? Most of them cost very little compared to what they could save you.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Let\u2019s get into the five essential (and insurance-smart) things every landlord should <\/span><span data-preserver-spaces=\"true\">be checking<\/span><span data-preserver-spaces=\"true\"> right now.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">1. Check the Roof + Flashing = Stop Leaks Before They Start<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">Spring is the season of sunshine, blossoms, and, unfortunately&#8230;<\/span><span data-preserver-spaces=\"true\">surprise water leaks.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">After a long winter of snow, ice, and fluctuating temperatures, your roof has taken a beating. And if you don\u2019t catch the damage early, you could be looking at water leaks that don\u2019t just soak ceilings; they soak your wallet, too.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Here\u2019s what every landlord should be doing right now.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Start with a simple visual <\/span><span data-preserver-spaces=\"true\">check<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Open up your camera, use that 20x zoom, and do a walk-around. You\u2019re looking for missing, cracked, or curling shingles. Pay extra attention to the edges of the roof, chimneys, vents, and skylights. These are prime zones for moisture to sneak in.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Inspect the flashing<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Flashing is the metal that seals roof joints and penetrations. It\u2019s also one of the most overlooked sources of roof leaks. Spring is the perfect time to look for rust, corrosion, or gaps around the:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Chimneys<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Sidewalls<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Skylights<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-preserver-spaces=\"true\">Even a tiny separation can let water in<\/span><span data-preserver-spaces=\"true\">, and that<\/span><span data-preserver-spaces=\"true\"> water can sit undetected in attic insulation or behind drywall for months\u2014until, what feels like out of nowhere, you\u2019ve got mold, rot, and a tenant texting you at 10 p.m.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Why this matters for your insurance<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Many insurance policies won\u2019t cover water damage caused by &#8220;preventable maintenance issues.&#8221; Translation? If your roof leak started from worn-out flashing you never checked, your claim might get denied. Ouch.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Your insurance-proofing move<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Schedule a pro roof inspection if you\u2019re not comfortable climbing up there.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Document the inspection with photos (insurance loves receipts and reports).<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Replace compromised flashings or shingles ASAP before spring showers test your luck.<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-preserver-spaces=\"true\">Remember, a $250 repair <\/span><span data-preserver-spaces=\"true\">now<\/span><span data-preserver-spaces=\"true\"> could prevent a $10,000 claim (and a premium hike) later. Because when it comes to your rental property, an ounce of prevention isn\u2019t just worth a pound of cure\u2014it might <\/span><span data-preserver-spaces=\"true\">just<\/span><span data-preserver-spaces=\"true\"> save your whole policy.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Next up: We\u2019ll talk about gutters\u2014and how they quietly protect your foundation from turning into a swimming pool.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">2. Gutter Cleaning and Drainage = Protect the Foundation<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">Gutters are like the unsung heroes of your rental property. <\/span><span data-preserver-spaces=\"true\">They don\u2019t get much love, but <\/span><span data-preserver-spaces=\"true\">if they fail,<\/span><span data-preserver-spaces=\"true\"> your foundation might too.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Spring is the ideal time to clean out the gunk that\u2019s been piling up all winter <\/span><span data-preserver-spaces=\"true\">long<\/span><span data-preserver-spaces=\"true\">: leaves, twigs, rogue tennis balls; who knows what\u2019s up there? But one thing\u2019s <\/span><span data-preserver-spaces=\"true\">for sure<\/span><span data-preserver-spaces=\"true\">: Clogged gutters and poor drainage are the fast track to water pooling around your foundation.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Here\u2019s what you need to do.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Clean those gutters <\/span><span data-preserver-spaces=\"true\">like<\/span><span data-preserver-spaces=\"true\"> your deductible depends on <\/span><span data-preserver-spaces=\"true\">it<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Clogged gutters cause water to overflow and spill down exterior walls, leading to basement leaks, mold growth, and soil erosion. <\/span><span data-preserver-spaces=\"true\">If you\u2019ve got long-term tenants,<\/span><span data-preserver-spaces=\"true\"> those hidden water issues could go unnoticed for months.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Use a sturdy ladder, <\/span><span data-preserver-spaces=\"true\">a pair of<\/span><span data-preserver-spaces=\"true\"> gloves, and a trowel to scoop out the debris. Make sure water flows freely from the roof through the downspout.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Check your downspouts<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Check that downspouts are securely connected and directing water at least 4-6 feet <\/span><span data-preserver-spaces=\"true\">away<\/span><span data-preserver-spaces=\"true\"> from the building. If the water&#8217;s pooling near the foundation, add extenders. That $10 piece of plastic could save you tens of thousands in structural repairs.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Bonus points for checking drainage and grading<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Walk the perimeter after a heavy spring rain. Are there puddles near the home? Is the soil sloping toward the house instead of away? That\u2019s bad news. If needed, regrade low areas or install a French drain or something similar.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Why this matters for your insurance<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Insurance often won\u2019t cover foundation damage if <\/span><span data-preserver-spaces=\"true\">it\u2019s<\/span><span data-preserver-spaces=\"true\"> traced<\/span><span data-preserver-spaces=\"true\"> back to poor maintenance or drainage issues. <\/span><span data-preserver-spaces=\"true\">Some policies even <\/span><span data-preserver-spaces=\"true\">also<\/span><span data-preserver-spaces=\"true\"> exclude &#8220;seepage&#8221; or &#8220;slow leaks&#8221; altogether, <\/span><span data-preserver-spaces=\"true\">especially<\/span><span data-preserver-spaces=\"true\"> when <\/span><span data-preserver-spaces=\"true\">they result from<\/span><span data-preserver-spaces=\"true\"> water pooling around the home.<\/span><span data-preserver-spaces=\"true\"> That means you could be on the hook for tens of thousands in out-of-pocket repairs.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Your insurance-proofing moves<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Clean gutters and downspouts at least twice per year.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Add downspout extensions and ensure proper drainage.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Keep photo documentation to show your due diligence.<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-preserver-spaces=\"true\">Because when water doesn\u2019t have a way out, it finds its <\/span><span data-preserver-spaces=\"true\">own<\/span><span data-preserver-spaces=\"true\"> way in\u2014and it rarely sends a courtesy notice first.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">3. Walkways and Driveways = Slip, Trip, and Fall Prevention<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">Here\u2019s something that sneaks under the radar far too often: your walkways and driveways.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">They may look harmless, but cracked concrete, loose pavers, and slippery algae buildup can turn into a personal injury lawsuit faster than you can say &#8220;uneven surface.&#8221;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Let\u2019s break down what landlords should be doing this spring.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Start with a safety walk-through<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Take a slow lap around the property and <\/span><span data-preserver-spaces=\"true\">actually<\/span> <em><span data-preserver-spaces=\"true\">walk <\/span><\/em><span data-preserver-spaces=\"true\">the walkways. Look for:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Raised or sunken slabs<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Cracks or broken pieces<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Tree roots pushing up concrete<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Moss, mildew, or algae on shaded paths<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Don\u2019t forget driveways and parking <\/span><span data-preserver-spaces=\"true\">pads<\/span><span data-preserver-spaces=\"true\">&nbsp;<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">These often get ignored until a tenant or visitor trips or slips. Especially in wetter climates, driveways can get slick fast or become patchworks of cracked asphalt or concrete.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Power wash + patch = low-cost prevention<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">A quick power wash can remove slick buildup. Sealant or patching kits from your local hardware store can do wonders for small cracks. And if you notice <\/span><span data-preserver-spaces=\"true\">major<\/span><span data-preserver-spaces=\"true\"> lifting or sinking, call a pro. Better now than mid-lawsuit.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Why this matters for insurance<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Liability claims are a landlord\u2019s worst nightmare. Slips, trips, and falls make up <\/span><span data-preserver-spaces=\"true\">a large chunk of<\/span><span data-preserver-spaces=\"true\"> personal injury lawsuits, and insurance companies know it. If someone gets hurt on your property due to obvious, unaddressed hazards? You may be on the hook.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Some policies even require proof of regular maintenance <\/span><span data-preserver-spaces=\"true\">to <\/span><span data-preserver-spaces=\"true\">even<\/span><span data-preserver-spaces=\"true\"> consider coverage for these <\/span><span data-preserver-spaces=\"true\">types of<\/span><span data-preserver-spaces=\"true\"> claims<\/span><span data-preserver-spaces=\"true\">.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Your insurance-proofing move<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Document your spring safety walk with photos and notes.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Fix any issues immediately\u2014or at least schedule repairs.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Keep receipts and \u201cbefore and after\u201d shots in your records.<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-preserver-spaces=\"true\">Because in the eyes of an insurance adjuster (or an injury lawyer), that crack in the concrete isn\u2019t just a minor cosmetic flaw. It\u2019s a potential claim waiting to happen.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">4. HVAC + Dryer Vents = Prevent Fire &amp; System Failures<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">Here\u2019s the thing about HVAC systems and dryer vents: <\/span><span data-preserver-spaces=\"true\">When they work,<\/span><span data-preserver-spaces=\"true\"> you never think about them.<\/span><span data-preserver-spaces=\"true\"> But when they fail? It\u2019s a 10 out of 10 on the tenant complaint scale, and it can turn into a dangerous and costly claim if you\u2019re not ahead of it.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Let\u2019s start with the HVAC <\/span><span data-preserver-spaces=\"true\">system<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Spring is the perfect time to schedule your seasonal inspection\u2014right before that first heat wave hits and every HVAC tech in town is booked solid for weeks.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Here\u2019s your quick HVAC checklist:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Change or clean air filters (yes, even if they \u201clook OK\u201d).<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Vacuum out vents and make sure airflow is consistent.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Inspect for signs of rust, corrosion, or mold.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Schedule a tune-up or maintenance visit with a licensed pro.<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-preserver-spaces=\"true\">Bonus points if your tenants are long-term. <\/span><span data-preserver-spaces=\"true\">Make a habit of including<\/span><span data-preserver-spaces=\"true\"> this service as part of your lease renewal timeline.<\/span><span data-preserver-spaces=\"true\"> It\u2019s a win-win: They get a freshly tuned-up system, and you get fewer late-night repair calls.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Now let\u2019s talk dryer <\/span><span data-preserver-spaces=\"true\">vents<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Dryer lint is sneaky, and it\u2019s flammable. That combination makes dryer vent buildup one of the most common sources of residential fires. And no, cleaning the little trap inside the dryer isn\u2019t enough.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Here\u2019s what to do:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Locate the exterior dryer vent (usually on the back or side of the building).<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Remove any visible lint or obstructions.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Consider hiring a pro to snake the <\/span><span data-preserver-spaces=\"true\">full<\/span><span data-preserver-spaces=\"true\"> vent line annually, <\/span><span data-preserver-spaces=\"true\">especially<\/span><span data-preserver-spaces=\"true\"> for multi-unit properties.<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Insurance tie-in<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Both<\/span><span data-preserver-spaces=\"true\"> HVAC and dryer vent maintenance are on the radar of insurance adjusters because so many claims happen after landlords ignore basic upkeep. <\/span><span data-preserver-spaces=\"true\">In fact,<\/span><span data-preserver-spaces=\"true\"> dryer fires <\/span><span data-preserver-spaces=\"true\">alone<\/span><span data-preserver-spaces=\"true\"> cause hundreds of millions in <\/span><span data-preserver-spaces=\"true\">damages each year<\/span><span data-preserver-spaces=\"true\">.<\/span><span data-preserver-spaces=\"true\"> And if <\/span><span data-preserver-spaces=\"true\">it\u2019s found<\/span><span data-preserver-spaces=\"true\"> that the fire could\u2019ve <\/span><span data-preserver-spaces=\"true\">been prevented<\/span><span data-preserver-spaces=\"true\"> with proper maintenance? Good luck getting that claim fully covered.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Your insurance-proofing move<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Book a spring HVAC tune-up.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Replace filters and clean registers.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Fully clean dryer vents inside <\/span><em><span data-preserver-spaces=\"true\">and<\/span><\/em><span data-preserver-spaces=\"true\"> out.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Document the work with invoices and photos.<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-preserver-spaces=\"true\">Because when your AC quits midsummer, or your laundry room goes up in smoke, it\u2019s too late to say, &#8220;I meant to take care of that.&#8221;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">5.&nbsp; Landscape &amp; Tree Trimming = Stop Damage Before It Starts<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">We all love a lush landscape, but <\/span><span data-preserver-spaces=\"true\">if you\u2019re not careful,<\/span><span data-preserver-spaces=\"true\"> that beautiful oak tree or wild hedge could become your biggest insurance headache.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Spring is go time for assessing what winter left behind and what needs trimming, cutting, or clearing before summer storms or pest invasions create costly problems.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Here\u2019s what smart landlords do this time of year.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Trim trees with a <\/span><span data-preserver-spaces=\"true\">vengeance<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Dead or overhanging limbs are accidents waiting to happen. A strong gust of wind can snap a branch <\/span><span data-preserver-spaces=\"true\">right<\/span><span data-preserver-spaces=\"true\"> onto your roof, your tenant\u2019s car, or worse, a power line.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Get a professional arborist if:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Large limbs hang over the structure.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Trees are close to power lines.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">You see signs of rot or instability.<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Clear the jungle: Overgrown shrubs and <\/span><span data-preserver-spaces=\"true\">weeds<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">That thick foliage might look nice from the curb, but it\u2019s a great hiding place for rodents, termites, and other pests. And once they move in, <\/span><span data-preserver-spaces=\"true\">they\u2019re not going to<\/span><span data-preserver-spaces=\"true\"> stop at the bushes.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Cut back vegetation that:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Touches the house or garage walls<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Blocks walkways, driveways, or exterior lighting<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Crowds utility meters, AC units, or dryer vents<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Check your drainage <\/span><span data-preserver-spaces=\"true\">zones<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Plants that block gutters, downspouts, or surface drains can create serious water backup, especially during spring rains. Poor drainage can erode soil, damage foundations, or even flood basements.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Why this matters for insurance<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Damage caused by falling trees or limbs during a storm is usually covered\u2014unless it was due to neglect. If the tree was dead or visibly diseased and you didn\u2019t take action? Your claim might <\/span><span data-preserver-spaces=\"true\">be denied<\/span><span data-preserver-spaces=\"true\">. The same goes for pest-related damage or water issues that result from poor landscaping maintenance.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Your insurance-proofing move<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Schedule a landscaping cleanup every spring.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Take before-and-after photos of trimmed trees and cleared vegetation.<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Keep pest control and arborist receipts in your property file.<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-preserver-spaces=\"true\">Because no one wants to explain to their insurance adjuster\u2014or tenant\u2014why a limb went through the roof.<\/span><\/p>\n\n\n\n<p><strong><span data-preserver-spaces=\"true\">Why Steadily Is the Smart Insurance Move for Landlords<\/span><\/strong><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">By now, you know that spring is the season of prevention, and the right insurance partner is a <\/span><span data-preserver-spaces=\"true\">major<\/span><span data-preserver-spaces=\"true\"> part of that equation.<\/span><\/p>\n\n\n\n<p><a class=\"editor-rtfLink\" href=\"https:\/\/biggerpockets.steadilypartner.com\/?utm_source=biggerpockets&amp;utm_medium=blog\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Steadily isn\u2019t just another insurance provider.<\/span><\/a><span data-preserver-spaces=\"true\"> They\u2019re built from the ground up for real estate investors who need coverage that <\/span><span data-preserver-spaces=\"true\">actually<\/span><span data-preserver-spaces=\"true\"> fits the way they operate. Whether you own a single rental or a sprawling portfolio, Steadily understands what landlords are <\/span><span data-preserver-spaces=\"true\">really<\/span><span data-preserver-spaces=\"true\"> up against.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Here\u2019s why thousands of landlords are choosing Steadily:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><span data-preserver-spaces=\"true\">Tailored for rental properties &#8211; <\/span><\/strong><span data-preserver-spaces=\"true\">Forget trying to wedge your rentals into a standard homeowners policy. Steadily\u2019s coverage is designed specifically for landlords, with protections for tenant damage, loss of rent, liability claims, and more.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Quick, online quotes &#8211; <\/span><\/strong><span data-preserver-spaces=\"true\">No endless calls or paperwork. <\/span><span data-preserver-spaces=\"true\">Just head<\/span><span data-preserver-spaces=\"true\"> to their site, answer a few questions, and get a quote in minutes.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Clear, landlord-first coverage &#8211; <\/span><\/strong><span data-preserver-spaces=\"true\">Their policies are easy to understand, built to scale with your portfolio, and free of the fine print that can leave you stranded during a claim.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Trusted by real estate pros &#8211; <\/span><\/strong><span data-preserver-spaces=\"true\">From first-time landlords to seasoned investors, Steadily is quickly becoming the insurance provider of choice in the real estate world.<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-preserver-spaces=\"true\">If you\u2019ve made it this far into your spring checklist, <\/span><span data-preserver-spaces=\"true\">it\u2019s clear you<\/span><span data-preserver-spaces=\"true\"> care about protecting your investment. Let Steadily help with the one thing that brings it all together.<\/span><\/p>\n\n\n\n<p><a class=\"editor-rtfLink\" href=\"https:\/\/biggerpockets.steadilypartner.com\/?utm_source=biggerpockets&amp;utm_medium=blog\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Click here <\/span><span data-preserver-spaces=\"true\">to get<\/span><span data-preserver-spaces=\"true\"> your free quote from Steadily<\/span><\/a><span data-preserver-spaces=\"true\"> and make this spring the season you lock in peace of mind.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Final Thoughts<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">There you have it: The five often-overlooked but <\/span><span data-preserver-spaces=\"true\">absolutely<\/span><span data-preserver-spaces=\"true\"> critical steps every landlord should tackle this spring.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">From roof leaks to root damage, a little maintenance now can mean massive savings later. And more importantly, it could be the difference between a simple fix and a denied insurance claim that drains your reserves (and your patience).<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">As a landlord, your job isn\u2019t just about collecting rent<\/span><span data-preserver-spaces=\"true\">\u2014it\u2019s about<\/span><span data-preserver-spaces=\"true\"> protecting what you\u2019ve built.<\/span><span data-preserver-spaces=\"true\"> That includes having the right insurance coverage in place <\/span><em><span data-preserver-spaces=\"true\">before<\/span><\/em><span data-preserver-spaces=\"true\"> something goes wrong.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>For most people, spring is about deep-cleaning the garage, planting flowers, or finally putting away that rogue holiday decoration still sitting in the hallway (you know the one). But for [&hellip;]<\/p>\n","protected":false},"author":613776,"featured_media":182791,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7401],"tags":[],"class_list":["post-182789","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"acf":[],"comment_count":0,"_links":{"self":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts\/182789","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/users\/613776"}],"replies":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/comments?post=182789"}],"version-history":[{"count":0,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts\/182789\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/media\/182791"}],"wp:attachment":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/media?parent=182789"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/categories?post=182789"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/tags?post=182789"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}