1. Historic Home Preservation The Basics of Preserving the Integrity of Historic Properties Presentation prepared by MICHAEL RICHARD D.F. DWYER INSURANCE AGENCY 38BELLEVUE AVENUE · NEWPORT RI 02840 TEL: (401) 846-9629 · FAX: (401) 849-4980

3. Voted Best in Newport County by readers of Newport Life Magazine.

4. We provide all types of insurance:

5. Personal, Commercial, Health, Life, Farm, and Financial Services

6. Customer service is our #1 priority.

7. The following pages are the basics that you need to know to understand how we customize your home insurance program.Michael Richard | Tel: (401) 846-9629 | michael@dfdwyer.com

9. Built over 50 years ago

10. May be on the National Historic Register

11. Architectural Legacy

12. Custom woodwork & windows

13. Irreplaceable or valuable interior fixtures

14. Discontinued craftsmanship methods

15. Old trees, brickwork & other outdoor fixtures

16. Regulations

17. Local historic homeowner associations

18. Historic Register building codes

19. State & Federal building codesMichael Richard | Tel: (401) 846-9629 | michael@dfdwyer.com

21. Few carriers apt to properly insure a historic home

22. Special considerations involved

23. Home Appraisal

24. Inspection should be conducted by a historic home preservation consultant expert

25. Have an appraiser create a detailed report outlining the following features of the home:

26. History, Complex characteristic, Unique features

27. Archival-quality photos should accompany the report.

28. This assessment will ensure that a proper insurance protection program is created for your home.Michael Richard | Tel: (401) 846-9629 | michael@dfdwyer.com

30. Conduct historic home assessment

31. Have special architectural details inspected and properly appraised by an expert to ensure proper replacement coverage

32. Reduce Associated Costs

33. Complement policy with higher deductibles to reduce premium

34. Inquire about premium credits

35. Large-scale restoration projects

36. Recent updates

37. Preventative measuresMichael Richard | Tel: (401) 846-9629 | michael@dfdwyer.com

39. Water, Weight of Ice, Wind, Fire, Falling Objects

40. System Failures

41. Roof & drainage systems, mechanical or electrical failures

42. Accidents

43. Cooking fires, breakage

44. Malicious Acts

45. Theft, vandalism

46. Contractor Activities

47. Most important to consider these associated perils during renovationsMichael Richard | Tel: (401) 846-9629 | michael@dfdwyer.com

49. Routine Maintenance

50. Schedule regular maintenance activities

51. Conduct simple routine inspections, make observations, act accordingly

52. What to focus on

53. Flashing

54. Site drainage & water control systems

55. Setting elements (i.e. Trees with hanging limbs)

56. Other Considerations

57. Proper art installation

58. Old light fixtures and flammablesMichael Richard | Tel: (401) 846-9629 | michael@dfdwyer.com

60. Fire alarms

61. Burglar alarm systems

62. Low temperature alarms

63. Gas leak detectors

64. Water sensors & water shut-off devices

65. Water flow alarm on sprinklers

66. Loss Prevention Devices

67. Lightning rods

68. Surge protection

69. Back-up generator

70. Heat, basic electrical, refrigerators, freezers & alarmsMichael Richard | Tel: (401) 846-9629 | michael@dfdwyer.com

72. Have a historic home appraisal expert conduct an inspection of your home and create a detailed report outlining your home’s history and special qualities.

73. Don’t make the mistake of being underinsured because of cost or difficulties finding the right carrier. Rather look to reduce your premium by inquiring about discounts for preventative measures and raising your deductible amounts, if possible.Michael Richard | Tel: (401) 846-9629 | michael@dfdwyer.com