Transform your home into a haven of cozy ambiance with the strategic implementation of different lighting techniques. Start by establishing a foundation of overall lighting, which simply illuminates entire rooms, setting a relaxing mood. For tasks that demand focused attention, such as reading or working at a desk, incorporate task lighting. This

the initial step is to have in contact with your insurance provider or maybe the agent who marketed you the homeowners insurance. The insurance business will assign an adjuster, who'll evaluate the hurt and submit an estimate for assessment. Examine your policy—even if you have "substitution" coverage for the house by itself (see Tip 6, below),