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Important Things to Do After Taking Possession of Your New Property



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Congratulations, you’ve searched for the house of your dreams, negotiated and closed the deal, and have taken possession of the premises. Now is the time to make sure your investment is properly filed and registered, and that all transfers of services are correct and complete.

All of the documents that you were given at the time of closing are important and need to follow up on them. Besides making sure they are physically safe and secure, you need to know that they are available to you when the time comes for 1st annual tax calculating. In addition, you may also need them for future filings that contain claims of assets or tax liabilities.

Before finalizing the closing, it will have been decided when and into what name utility bills will have been transferred. To ensure that services will not be interrupted, simply contact the service providers and introduce yourself. Ask them to please check the account information and current billing status. By having followed these simple steps you will have made certain that none of the previous owner’s bills or credit problems follow through to your ownership.

Be sure to make certain that all insurance coverage is in place. If automatic deductions for billing are being used, make sure the accounts are active and funded. Conduct a yearly reassessment of your insurance coverage and adjust it according to any appreciation in the property value. If your property’s value is appreciates as you had planned, so too will the premiums for its insurance. Make a documented record of your property and possessions for future insurance claim validation. Take pictures and video of everything of value, and catalog them. Many insurers already have guidelines in place for this type of documentation. Once the record is assembled, store it in a safe location, such as a safety deposit box at your local bank. Should a catastrophe strike, you will have prepared yourself by having solid proof of what you have lost.

The last filing that you need to check on is the status of the deed at the property office in your area. Contact the clerk’s office about two weeks after closing and ask if the deed has been filed. If it have not been filed, now is the time to ask why.

Finally, on-going maintenance that you cannot perform yourself should be outsourced in order to maintain the condition of the property. Owning a home is a big responsibility, and the lot, the dwelling and its operating systems need to maintained in good condition in order to preserve the value of your investment, and to make your home a comfortable place to live.

 
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