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Spring is a good time to check your deck, porches and stoops hand railings, posts and other wood items around the exterior.  Face it your deck, porch, steps take a weather beating.  Dry rot can occur and weaken the structure which can lead to collapse.  Anytime wood is in direct contact with cement, flagstone or soil it can rot, since the wood will absorb water, like a sponge, through all of those surfaces.   The local hardware store( such as Lowes, Home Depot or Menards etc) has all the necessary brackets to keep the post from having direct contact with cement, dirt, rock etc. The brackets provide about a 1" gap for the wood to drip dry, whereas direct contact with ground does not. This can help prevent slips, falls, trips from stairs or rotted railings.  

Another item to check is the stairs, stairs are often sitting on stringer.  The stringer's bottom rests on the concrete, flagstone or dirt will rot over time even if pressure treated wood is used.  Placing a waterproof on the botton can help extend the life or attaching a piece of composite deck to sit on flagstone,concrete or dirt allows the stringer to set off the concrete which acts as a barrier so water will not seep into the wood.  If replacing rotted board use Pressure Treated(PT) wood instead of regular wood.  

Researching on Youtube is another wonderful option for the Do It Yourself(DIY) person, like myself.  Simply typein what is best way to set a post or need advice on water proofing steps etc.

Almost all homeowner policies provide liability and medical payments to an injured guests should they fall, trip or slip at your residence; however, only up to your home policy limits. 

Any further questions feel free to contact Flanigan Insurance Agency @ 314-727-6000 or visit your local hardware,  lumber yard or Youtube.  

Posted 12:18 PM

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NOTICE: This and all content is developed from sources believed to be providing accurate information. The information in this material is not intended to be used as tax or legal advice. Please consult with a tax and/or legal professional for detailed information regarding your individual situation. Some of this material was developed and shared by Flanigan Insurance Agency Inc to provide information that may be of interest. Flanigan Insurance Agency Inc is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
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