What do I need to know before buying a home in Kansas?

There will be 4 primary questions you will get asked when you’re buying your home in Kansas, and they are as follows:

 

  1. What is the age of the roof?

Why will you get asked this question?  Because Kansas sees more claims paid out to homeowner’s roofs than most other states.  It is in fact “tornado alley” and anyone who lives in the state long enough will undoubtedly experience wind damage of some degree.

The older your roof is the less likely that insurance companies will want to offer a competitive rate on your insurance premium.  In the eyes of the insurance company, the older your roof the more susceptible to damage it will become.

 

  1. When was the wiring updated?

This is important, because again, the older your wiring is the more likely it will cause problems.  Your house may have old knob and tube wiring, which isn’t up to the standard building code of most city ordinances. 

This means that in the event of a loss to your house the insurance company will not only have to repair or replace your home, but bring your house up to the current ordinance or law.

 

  1. When was the plumbing updated last?

A common cause of loss in a home in Kansas is damage from a bust pipe.  Kansas experiences hot summer and cold winters, fluctuations in a home’s foundations, and the usual use of water can cause a lot of strain on a home’s plumbing fixtures. 

This strain on plumbing will be too much for older homes with outdated plumbing thus resulting in breakage, or complete failure, resulting in water damage, which can also increase the chance for mold, fungus or wet rot.

 

  1. How old are the heating and ac units?

There’s a lot that goes into this question, and the reason why it might be asked. Let’s start with the fact that the older and more neglected a heater or ac unit are, the more likely a loss will occur.  From the filter on the furnace to the dust in the duct work of the house, heating and ac unit are big exposures to a house.

It’s important to get service work done regularly on these HVAC systems, and the age of them will be an indicator as to any potential problems that may arise.

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