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Show PAGE 12 Continued... The Timeslndependent EXTRA! resource Most projects, however, can trigger some simple insurance issues that homeowners often don t address " The following tips from Insurance com can help you get ready to renovate Check the property coverage limits on your homeowner s policy to make sure that they reflect any changes made to the home If you're adding on to a house, consult with your carrier or agent to determine if an increase in coverage is needed to protect the value of the new addition. Make sure that the remodeling project meets local building codes. Otherwise, damages may not be covered by insurance Check with your local Better Business Bureau Find out if any complaints have been filed against any contractor being considered for a project Ask to see the contractor's license Confirm that your contractor is properly insured Obtain copies of the contractor's A insurance coverage Get the certificate directly from the insurance agency Find out if a subcontractor is involved and of the a copy obtain subcontracting company's proof of insurance. Any contractor should have a certificate of coverage for both protects 6 00 1 I I tl 4 cl 5 FootbeA jCdftaya I Cl n mu l: II MO Frwnda Coda tit ft Movw Movw 'SamtaNd i Amonyai Fnanoa Nava Ted to StranyerajWtaij Movw Movtt a Rocky Maor Laoyua Baaabad Coonttfoaat can result from a contractors injury on the job Contractors liability insurance provides coverage for damages to the property caused by the 2 P t Straat' t MSOOPM 6 00PM' Iia l Ordar Bt UaUCai Trauma Fort materials. 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Service the system on a regular basis - preferably at the Chaara DaMy Movw Tha A Movw Smart Saraibw )R Wih jintonan Movta Johnaon County War (2002) ft orr Baranyar Luka Pany) Keep your insurance carrier or agent Notify him or her about any improvements to the home. tioned. Ramti jLaai Hopa-SaTrua Hodywood Story Tha Sawn Munfer TnaT Z(' Ctuh (i) Srmvtaona aaa Thtrd Watch it) (oc) Ootdan Gioaw TUESDAY EVENING carpet, tile and cabinets) stored on your property are covered against theft and vandalism. nt Coaby jCoaby USA Rank Hottaaf Brundat 7 Work) MatomHy Ward Miaaowri (N; Knoa-iIS- S Ctub Freow jlMNtHoAlgrilwNhl Ordar "PrwW (at 2002 (Bruca Bouartnar Hopa Ranch (2002) (Bruca Boatadnar) Horrtc Ftoyd Maya Taurwmw Suparvotcanoaa ccj Wortd Trada Cantor Rwa and Fatf Prophactoa (oc) Faith Movw Hopa Ranch Hurdc Fkjyd contractor dunng remodeling. 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Early examples include printing works and textile mills, where air conditioning's introduction improved productivity. Soon afterwards, air conditioning was used in office buildings, where it proved that not only machines were more productive when kept cooler, but people, too The concept of personal comfort through air conditioning originated in movie houses in the 1920's. As the public s exposure to air conditioning grew, it was only a matter of time befote it moved into homes The first home units were big and expensive, but after World War II, more convenient options became available As more homes were equipped with air conditioning, architecture styles adjusted accordingly Passive cooling features of older homes, such as high ceilings and large front porches and overhangs to add shade and shelter to the home's intenor, went out of style Smaller, more homes became the norm Homeowners, regardless of season andor geographic location, had the means to control the temperature in their own environment and adjust it to their personal comfort level for the first bme. 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