Use Q-Tips To Get Your Damage Deposit Back

You’ve been living in your rental home for awhile, and now you’re moving on to a new city, to a house, or just to a new rental home. Back when you moved in, you paid a damage deposit, likely the amount of one month’s rent. No matter how much it was, you want it back.

Let’s assume you didn’t break the house. That you have kept it clean and well maintained. That your western Wisconsin renter’s insurance policy has paid for any damage you have been responsible for. The only thing you have left to do is follow the Girl Scout rule, and leave the place better than it was when you arrived.

General Cleaning

ceiling fanIf you have a cleaning checklist from your landlord, follow it. The obvious stuff is to clean all surfaces, including walls, appliances, fixtures (yes, take that fixture down from your ceiling-mounted lights, throw away the bugs, and wash it), and even doors. Don’t miss the tops of your ceiling fan blades.

Clean your stove (including the hood and under the top if yours lifts up), your oven, and scrub out your sinks and cupboards. A good cleaner for the kitchen is Dawn dish soap. It really does take care of the grease.

Use the vacuum extensions to get rid of any cobwebs back in the corners of your closets or other places they have formed. Clean your bathroom fixtures, using a bleach cleaner if there is any sign of mildew. Replace the shower curtain(s) if applicable. Pick up all the little things that have fallen into the baseboard heaters if applicable. Then vacuum them for good measure. Wash the mirrors and windows.

Why Q-Tips?

After the masterful job you have done cleaning all surfaces, why would you need to use Q-tips? First, take a look at all the light switches. Around the rectangular switch, and then around the opening for the switch itself, gunk has likely gathered. Dip a Q-tip in bleach, or other cleaner of your choice, and wipe the gunk away.

Then do the same for all doorknobs and locks in the home, any sconces or other lighting fixtures, and inside the window tracks. It’s this extra cleaning that will ensure you get not only your full deposit back, but a glowing recommendation from your landlord should you ever need it.

One Last Thing

After everything has been moved out, even if you know your landlord is going to replace the carpet the next day, vacuum everything. Appearances count!

If you want to know about renter’s insurance, contact your Baldwin Woodvile Insurance rep today!

Renters Insurance – What You Need to Know

Many people in Wisconsin and Minnesota consider renters insurance to be an optional expense; one they’ll get around to buying when they get a raise, or a better job, or more stuff worth covering. And most people will be fine. But if disaster strikes and you lose everything, you will be grateful not to be one of those people.

Take Inventory

Before purchasing a renters insurance policy, take a detailed inventory. Go through your entire rental property, and take a photo of every item you own. This should include furniture, electronics, jewelry, dishes, art, bicycles, and anything else you would need to replace, including your book and/or CD collection.

Put all the photos in a folder on your computer, and find out how much each item is worth, and how much it would cost to replace it. You can buy your policy based on either number. Using the current value will give you a less expensive policy. Using replacement value ensures you will have enough money to replace all your items.

Once you have your inventory complete, store it digitally on at least two cloud servers, like Dropbox. It needs to be somewhere you can access it, even if all the technology in your home is useless.

What Will Insurance Cover?

Now it’s time to talk to your insurance agent. Discuss all the situations that are covered, and those that are not. Most weather damage is covered by a basic policy, but floods are generally not. Work with your agent to get the coverage you need.

Before you finalize your Wisconsin renters insurance policy, make sure that everything you want to replace is covered. Also make sure that, if you need to live elsewhere while your property is being restored, you will be covered for those costs, as well.

Filing a Claim

All this preparation will be invaluable if you need to file a claim. If the worst happens, you may need to make a full claim, replacing everything you owned. At such a stressful time, you will be glad that you don’t have to try and figure out what needs replacing.

Simply contact your agent, and they will tell you exactly what to do. They will help you make the claim, and they will make sure you and your family have a place to live. That’s the kind of care you can expect in the Chippewa Valley from Baldwin Woodville Insurance Services.