b'yard, large cracks in the pavement, broken tiles or other conditions that may cause an injury. These inspections may also reveal environmental issues you may not notice otherwise, including mold or destructive tree roots.Also, if you have guns on your property, secure the firearms and ammunition to avoid a tragic accident. Guns should be kept in locked storage, unloaded and equipped with child-resistant gun locks. Only adults in the home should know of the presence and location of guns. Its a good idea to call your agent and go over your homeowners insurance. You probably dont have the coverage you think you do. In the last few years, insurance companies have shifted more of the risk to consumers. Some companies now cap what theyre willing to spend to rebuild your home, but allow you to buy up additional coverage to protect against rebuilding costs. Some policies now exclude liability coverage for dog bites and other risks.Like the TV commercial says, Know the gaps!72015 REACHINGOUT-CURRENT.indd 5 12/10/15 10:40 AM'