Do you have a few DIY repairs planned around your Colorado property? Before you invite your friends over to help, you have better double check that you are properly insured.

A sufficient homeowner’s policy should provide liability coverage for unintentional injuries that occur to visitors at your residence. Just because you have insurance, however, does not mean you should not take certain precautions to prevent accidents.

•A common error individuals make is using ladders improperly. They should be set up on a flat surface and be held in place by a second person.

•Proper safety equipment should also be utilized. From goggles to work boots, the right gear is essential to avoiding injuries.

•Before using tools, make sure you read the owner’s manual and follow all the manufacturer’s guidelines.

While doing minor repairs around the home is a great way to save money, it is important to be able to realize when a job is too much for you and your friends. Attempting to complete a job you lack the necessary knowledge for could easily result in an accident. Before starting any major improvement project, it is best to contact your insurer, as there may be implications not only for the liability part of your policy, but for the rebuilding costs.

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