Keep Your Summer Cabin in Top Shape for Years to Come

During a midwest summer, there’s not much we love more than spending a relaxing weekend on the lake. Our cabins are the backdrop to scores of happy memories — it’s no wonder we want to enjoy them for as long as possible!

Here’s what you need to know about keeping your summer retreat in top condition all year long.

Keep it in shape: regular maintenance now can prevent problems in the future
It’s always better to do a little work up front than to deal with a bigger mishap later on. By performing routine maintenance checks, you’ll catch any potential issues with your cabin before they have the chance to cause real damage.

Here are some things you should do on an annual basis, at minimum:

• Repair any loose, damaged, or missing roof shingles and siding panels
• Clean out debris from your gutters
• Fill in any spaces between your windows / doors and their frames
• Dust out air ducts and vents
• Change your air conditioner filter
• Inspect electrical outlets and cords for signs of wear
• Check your smoke and carbon monoxide alarm batteries
• Fill in any cracks in your sink or bathtub caulking
• Trim large trees near your cabin

Check your insurance policy: make sure you’re covered for these common problems
When it comes to insurance, your cabin will likely be referred to as a “vacation home”. You’ll want to make sure you have specific protection so you aren’t left to bear the financial burden alone if anything goes wrong.

Here are some common things that should be covered:

• Attractive nuisances: any pools, hot tubs, and trampolines can increase risk on your property.
• Storm damage: our wilderness retreats are especially prone to harm from falling trees and other debris during high winds.
• Other weather damage: ice and snow can quickly build up on your roof in the winter, leading to leaks or a possible collapse.
• Injury liability: if you’re having company to your cabin, you could be legally responsible if anyone gets injured.
• Theft: any building that is left unattended for long periods of time is at a higher risk of being robbed or vandalized.

Have a plan: what to do if something does go wrong
If an accident does happen — a guest is injured while having a party, a big storm sends a tree into your roof, or a slew of other events — the most important thing is to stay calm.

After making sure everyone is okay and obtaining any necessary medical care, you should get in touch with your insurance agent right away. We’ll help you take it from there so you can breathe easy!

If you have any questions about keeping your cabin, boat, or other summer toys protected, drop us a line any time. At Lindow, we’re happy to review your current policies to make sure you have the coverage you need at a price you can afford.

Sources:
Better Homes and Gardens
Cabin Life
Farmers Insurance
American Modern