Home Remodeling Covered Under Your Insurance?

So many things to do before actually remodeling your home right? There’s plans to make, contractors to speak with and even Pinterest boards to browse for ideas. But many homeowners actually forget an important aspect of remaking their homes – insurance. Have you contacted your insurance agent or UK insurance broker and informed him of the changes you have planned because it can be necessary to maintain the cover after the changes are complete?

You need to inform your agent because your policy may not be enough to cover the value of your home after the improvement. In case anything happens to your home, you may receive insufficient coverage since the policy valuation did not account for the money spent during the improvement phase. Thus, always inform your agent before doing any changes to your existing premises.

Coming to the actual changes, remember that before starting the remodeling work, talk with your agent and ask the specifics on policy upgrades. It is always advisable to increase the cover gradually as each phase of improvement finishes as the valuation will take into account the standing premises only. For major projects though you may want to add many more things into your existing policy.

Next comes the contractor and the risk of injury to them and your property. In any service providing field the need for insurance is a must on both sides – client as well as the service provider. A good example of this kind of insurance is motor trade insurance. Always ensure that the contractor you get is insured in the right manner. This means he has liability insurance and a worker compensation coverage too. Be straightforward and ask for proof of their insurance cover. Do the same for any subcontractor on the job too.

What If It Is DIY?

For DIY projects, you can check the liability required by following up with your agent but for injuries on the job, there is a possibility it may not be covered under the homeowner’s policy unless you have a no-fault medical protection clause included. Always keep copies of any receipts and contracts you receive for materials and work done on the job. And take pictures before and after the renovation work is complete.

Tops Tips To Help You Renovate Your Bathroom

Home renovations are often stressful; however, they really don’t need to be. If you make sure you plan thoroughly and take your time, renovations needn’t bring such a sense of dread and foreboding. The following tips are designed to help you when you’re about to undertake a bathroom redesign and will hopefully ensure things run a lot more smoothly than you’re thinking they will.

Start with a list

Every activity would be better and flow more smoothly if it had started with a list. Lists help us to logically plan and often serve as a very useful prompt when we have forgotten something. With bathroom renovations, it is so important that you put a list together before moving forward because forgetting or overlooking something could be disastrous.

Your list should include your absolute ‘must haves’, i.e. the essentials such as a toilet, shower, sink and storage and then your ‘would loves’, i.e. underfloor heating or a wall-mounted TV. You need to make sure everything is on this list to ensure nothing is missing from your budget plan.

Keep in mind, less is often more

Bathrooms should be places of minimalism. A minimalistic approach will help ensure your renovated bathroom looks clean and pristine. A busy, cluttered bathroom will only look untidy and as such unclean. With this in mind think carefully about storage layout and where all your cosmetic items are going to be homed. Try to make the most of the space in your bathroom and use it as cleverly as possible, perhaps as hidden storage for example.

Create an in-depth plan detailing where everything is going to go

Your list will come in handy here since it should tell you about everything large or permanent that you are installing in your bathroom. Once you are sure about where everything like this is going, you need to plan out where all your other ‘goodies’ are going to go. For instance, your hair products, creams, lotions, nail varnish, hairdryer and so on.

You also need to consider bathroom health and safety and plan this out thoroughly. For instance if you have very young or elderly people in the house, then it is probably very worthwhile installing a few bathroom hand rails, for instance, next to the toilet and the bath.

Choosing a colour scheme

When choosing the colours for your bathroom, make sure you understand what effect the colours will have on the overall design of your bathroom. For instance, if your bathroom is not the largest, dark colours will only make it seem smaller, whereas lighter colours will brighten the space up and create the illusion of more space.

If you are worried about your bathroom colours being too boring, don’t be. You can always liven the room up by adding a range of colourful accessories, such as bathmats, handtowels, pictures and even bathroom books. This way, when you get bored you can just buy a few new accessories rather than have to repaint the bathroom and change the bathroom suite.

Take your time selecting your contractors

Before you make your final decision about your builder, plumber and decorators make sure you have got recommendations. Builders often try to enforce their own choice of plumber and decorators on you because they’re often mates working in the same ‘trade’ but don’t let them affect your final decision if you want to go with someone else.

You need to be sure your contractors are going to listen to you, communicate well and work hard. Don’t be afraid of asking any potential contractors for references, as well as examples of their previous work.  If they are not very forthcoming, it’s probably a very good sign you should look elsewhere.

Laura writes for Seagull Ballustrades. When not writing about Seagull banisters, she can often be found polishing hers until they shine.

Break The Rules – Putting A Twist On 5 Old Decorating Rules When Modernizing Your Home

It is difficult to take on the very challenging task of decorating your own house, especially if you really have no idea about where to start or what to do. In order to avoid any decorating faux pas, you’ll probably stick to traditional rules. Today, however, a lot of decorators are breaking old habits by putting a twist on things to make them more exciting and more apt for modern living. Here are some examples.

Old Rule 1: For small spaces, only use white paint.

Twist: White is definitely the safest option if you have no idea what paint to use. But this isn’t the only choice when painting a small room. You can make color work for you, even bold tones, like rich royal blue or deep chocolate brown. The trick is to use colors that belong to the same shade or use hues that complement each other. Pastels or jewel tones are also wonderful options. If you prefer something that is almost similar to white, there are also different shades of cream and other very light shades to choose from.

Old Rule 2: You have to have a sofa.

Twist: In the past, the sofa dominated living rooms. However, you aren’t actually required to have one if you don’t want to. Instead of a bulky sofa, use comfy armchairs. You can even use different kinds of chairs as long as they share a central theme or style.

Old Rule 3: All furniture and accessories must match.

Twist: Customarily, everything must match. This means that all the furniture in a certain space must be of the same color or must bear the same print. This goes the same for accessories, like pillows, rugs, and seat covers. Today, you can mix and match. Use prints, bold colors, and also different textures and materials to make a room your own.

Old Rule 4: All finishing must be the same.

Twist: When you’re out shopping for finishing materials for your home, you’ll be bombarded with a myriad of choices. For instance, there are so many different kinds of tiles, like plain, textured, and even decorated types, as well as faucets, door knobs, wall papers and other interior and exterior finishing materials. In the past, the general idea is to make sure that the finishing is uniform. So, if you’ve opted for a chrome-plated faucet in your kitchen, for instance, then you should also use this for all the faucets in and around your home. These days, you can use different materials depending on your preferences. But to make sure that each item blends harmoniously with everything else, you can consult http://susan-hopkins.com/ or other expert interior decorators.

Old Rule 5: Hang curtain rods just above the topmost portion of the window frame.

Twist: The placement of your curtain rods must depend on what sort of look you want to achieve. For example, if you want to make your window look larger, place the rods near the ceiling as this gives the illusion of height. Another option is to extend the rods beyond the frame to make your windows look wider and grander. The length of your curtains also makes a difference. Curtains that just touch the floor give a more tailored appearance, while those that pool on the floor look more romantic.

Claire Patel, a freelance writer, has been writing about home improvement issues since 2008. She regularly does DIY and interior decoration projects to update the look of her family home.

Creating an Old Style Rustic Look for your Living Room with Luxury Decorative Pillows

No other style of home décor offers a cozy, warm and comfortable atmosphere in addition to the appealing beauty associated with country decorating.

Even in the modern times we live, country décor holds a special place in the hearts of people who grew up in a rural setting. Irrespective of whether you live in a bustling city or in the country, you can recreate the look of a decade ago, adding a little charm and character to your living room.

Here are a few inspiring ideas that ought to get your creative juices flowing.

First things First – Choose a Color Scheme

Before you begin deciding on the curtains, throw pillows for the couch, accents and other elements of your living room, make a decision on what colors you would like to use. It is best to stick to two to three colors so that the look of your room is balanced with one color being dominating color for the room.

Country colors range from cream and pale red or rusty shades to pale browns, blues and reds, shades of forest green, warm yellow and orange. When it comes to patterns, avoid using an abundance of colors unless your interior space is spacious. In smaller spaces, an occasional splash of color and pattern in luxury decorative pillows is enough to brighten up your room.

Warm up the Walls with a Rustic Touch

In rustic style home décor, wainscoting technique is commonly used for the walls. This simply means that a different element is used for the bottom half of the wall whereas the top half of the wall uses a different element.

You can also use rough boards to create a rustic look and add texture to your room. Run the boards vertically up the wall to a point that is about 3 to 3.5 feet from the floor. Instead of using glue, you can use nails to fix the boards on the wall so that if you ever decide to remove or replace the boards, you are able to do so easily.

You can top the boards off with a pine board that is 2×4 inches, that runs horizontally across the top of the vertical boards. You can stain the boards in oak stain or light pine to create a country look. You can then choose to pick the remainder of the wall, up to the ceiling with the color of your choice. You can paint the remainder of the walls up to the ceiling with the stain of your choice.

Opt for Wooden or Tile Flooring

Carpeting doesn’t lend to a genuine country look. For an authentic country style appeal, you can choose hardwood flooring or tile in a rustic finish.

While you want the tiles or wood floors to be prominent, luxury decorative pillows and throw rugs are a must for adding a splash of color and pattern in country style decorating. Braided rugs are perfect for this uses, and come in a wide range of sizes and colors. To create a relaxed and comfortable look, scatter these around randomly in your living room.

Add a Country Flair to your Living room Furniture with Decorative Accents

While country style furniture completes the look of a country style home décor, there are things you can do to make your current furniture take on a more rustic feel and look.

If you can afford to buy new furniture, opt for wood or leather furniture when possible. To give your current furniture that country look, you can use a number of tricks. For example; you can use toss a few country themed decorative throw pillows in the mix or place crocheted dollies on the arms of a chair to transform your furniture to country.

Final Word

Decorating your home in old country style is simple! Put these ideas and tips to use in your home and you may find that this is the most comfortable and relaxing environment you have ever come home to after a long tiring day.

With The Thomas Collection, you can buy a quite a few pillows in that amount, and rest assured that you are in no way compromising on the quality or integrity of the product.  All the pillows in the collection are made in America from locally sourced materials to guarantee the excellence in quality in design.

What You Need to Play Room Decorating Games

There are many different online games that you can find in the virtual world. There are games that are designed for young boys, girls and also for grown ups. For many young girls and teens, room decorating games a big hit. This is because it allows the players to express themselves creatively. It’s a good way to pass leisure time. Parents also appreciate the educational and creative value of the games, without having to worry about any undue violence exposure for their children.

It’s quite easy to play room decorating games. For one thing, you don’t actually need a real room to decorate. Everything is done online. So the first thing that you need to have in order to play this is to have a computer. Ideally, you want to have a computer with a fast processor, especially so you can see your rendered images more quickly. You also need to have Internet access. Ideally, high speed Internet access so you can get better download speeds.