Anastasia Kaufman - ABR, SFR, GRI, CDPE - RE/MAX Town & Country | Lincoln, RI Real Estate


When pests come into your home, there’s no creepier feeling that you may have as a homeowner. You may turn to your house insurance for assistance if the problem gets really bad. Let’s say that termites have taken over your home and gotten into your walls or foundation. Maybe mice have gotten into the walls of your home, or a squirrel has caused some major issues in the attic. Whatever the problem is, you want to remedy it quickly. It might be an expensive fix no matter what, but it has to be remedied for you to continue to live comfortably in your home. 


The Truth About Homeowners Insurance


Unfortunately, homeowners insurance doesn't cover pest infestations. It doesn’t matter if the termites have literally eaten you out of house and home, the insurance companies consider pests to be an avoidable problem. Even though you may wonder how bugs can be considered “avoidable,” it’s simple. The insurance company believes that regular maintenance and checking of your property can help to prevent bug infestations. This is why it’s so important to take care of your property and not neglect it. 


Collateral Damage


There are a few exceptions to the rule. If your ceiling caves in and it was caused by some of the pest damage, your insurance may cover the cost of the repairs to the ceiling. They may not cover the materials that are needed to repair the ceiling itself. Insurance claims can be tricky, so you’ll need to ask a lot of questions if these problems do occur for you.


What Homeowners Insurance Covers


There’s nothing more frustrating than paying an insurance premium to find out that it doesn’t actually cover anything that you need at a certain point and time. As a general rule, homeowners insurance policies cover things that are considered accidental. This would include natural disasters like hurricanes, hailstorms, or high winds. If a tree falls on your home due to a windstorm, there was really no way of preventing that from happening. Your insurance would cover this. Damage that happens over an extended period, like that of a pest infestation or an aging home generally is not covered by house insurance. 


Separate Policies


Some insurance companies do offer separate policies to cover damage from certain types of pests like termites. There are several varieties of insects that cause damage to wood structures, so these policies may be more general stating that they provide “wood destroying insect” coverage. If you live in an area that’s prone to termites, there’s a few options available to you including something called “termite bonds.”


Your best course of action as a homeowner is prevention. Keep up with regular maintenance around your home and inspect your home regularly for any problems that you may find.



435 Cowesett RD, Warwick RI, 02886

Single-Family

$359,900
Price

3
Beds Total
6
Numberof Rooms
3
Baths
Beautifully updated throughout and ready to move in. This Raised Ranch with a sunny tiled kitchen with new cabinetry, windows, & countertops. The kitchen leads to a tiled dining room which overlooks the new no maintenance deck recently added. The first floor includes 2 bedrooms and 1 master bedroom with ensuite bath consisting of double sinks and tub. The spacious lower level includes a lovely brick wood burning fireplace, open family room with walkout, large full bath, including shower and washer/dryer area. In addition, this home has a bedroom space, den space and potential inlaw capability with eating area and gas hookups. Finally, this home is beautifully landscaped with updated stone work on the exterior and includes an outbuilding with electric and cable. Wonderful family home located in top school system area.
Open House
Saturday
October 14 at 12:00 PM to 2:00 PM
Cannot make the Open Houses?
Location: 435 Cowesett RD, Warwick RI, 02886    Get Directions

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Consider planting a living fence as an alternative to manufactured fences. There are benefits and disadvantages for both. Often vines, shrubs, small trees, and perennials are placed around manufactured fences anyway. So, why not go nature all the way! A living fence can give you privacy and security, as well as seasonal change. For example, a living fence made of shrubbery can bloom in the spring, be leafy lush in the summer, produce berries and hips in late summer, brilliant colors in the fall, and reveal pleasant branch structure in the winter. A living fence can be grown short (under 4-feet) or tall (30 feet or more) or any height in between. You can determine the width using your imagination or taste in plant material. You can tailor this living structure to your yard. Usually, a living fence needs no building permit as some manufactured fences do. You need not worry about height or width or color limits. Of course, a call to Dig Safe 811 is necessary. Digging into neighborhood power cables is a big no-no. You can plant shrubbery, small trees, ornamental grasses, perennials, and even vegetables and fruits or a combination of all to accomplish your desired effect. And you can do this with your neighbor, benefiting both sides of the fence! Robert Frost said it best with his Mending Wall. Living fences tend to outlive manufactured fences by decades. Of course, living fences need water until established, a bit of annual feeding, and the odd pruning depending on plant material selected. Europeans have been enjoying living fences for hundreds of years, calling them hedgerows. They have served as property line demarcations, windbreaks, shelter for birds and small animals for centuries. Establishing a living fence can be labor intensive, but need not be planted all at once. A slower pace would let the fence mature while the planter considers further options. Nursery plants can be used as well as seeds and root cuttings. The desired privacy would, of course, dictate the closeness of the plantings. There are multitude of plant choices to make a New England living fence, but the following are easy options:
  1. Pyramidal arborvitae are most often used in neighborhoods. They are hardy, can be pruned and sheared, and need very little maintenance. They can be grown as screens and windbreaks, but as evergreens they do not provide multi-season interest. They relatively inexpensive and can be planted in any configuration.
  2. Rugosa and Hansen roses have been used in beach plantings but will adapt very well to living fences. They are both extremely low maintenance and can be trimmed from a maximum height of 6 feet. They flower most of the summer, product red hips in the fall as well as yellow and red foliage. In the winter they are a thorney tangle of cover for birds. Depending on the species or cultivar, they bloom red, pink, yellow or white.
  3. Fragrant shrub honeysuckle is also easily maintained to a maximum of 10 feet and provides yellow and white spring flowers, then summer red berries cherished by birds, and yellow and red fall foliage. Winter shows interesting branch structure.
  4. Privet hedges are old standby's but easily maintained and sheered to your liking. Small white flowers and occasional purple berries.
  5. Russia olive trees with their strong late spring aroma and slender gray foliage are also easily sheered to any height or just allowed to grow to 25 feet.
  6. Rose of Sharon bloom in late summer in shades of purple and blue and are easily maintained to any height or width desired.
There are many more species of plants that can be used in your fence. You can certainly mix and match, but have fun with the process. You'll create something beautiful as well as practical.


435 Cowesett RD, Warwick RI, 02886

Single-Family

$369,900
Price

3
Beds Total
6
Numberof Rooms
3
Baths
Beautifully updated throughout and ready to move in. This Raised Ranch with a sunny tiled kitchen with new cabinetry, windows, & countertops. The kitchen leads to a tiled dining room which overlooks the new no maintenance deck recently added. The first floor includes 2 bedrooms and 1 master bedroom with ensuite bath consisting of double sinks and tub. The spacious lower level includes a lovely brick wood burning fireplace, open family room with walkout, large full bath, including shower and washer/dryer area. In addition, this home has a bedroom space, den space and potential inlaw capability with eating area and gas hookups. Finally, this home is beautifully landscaped with updated stone work on the exterior and includes an outbuilding with electric and cable. Wonderful family home located in top school system area.
Open House
Sunday
October 08 at 12:00 PM to 2:00 PM
Cannot make the Open Houses?
Location: 435 Cowesett RD, Warwick RI, 02886    Get Directions

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This Condo in Rehoboth, MA recently sold for $325,000. This style home was sold by Anastasia Kaufman - RE/MAX Town & Country.


5 Samantha LANE, Rehoboth MA, 02769

Condo

$325,000
Price
$325,000
Sale Price

3
Beds Total
7
Numberof Rooms
2
Baths
55+ Community. MINT AWESOME one-level, stand alone, 3 bed 2 full bath condo, in desirable Horton Estates. Full basement for storage and 2 car garage. EXCELLENT SHOW!

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