1) Proper space allocation - Whether you are modifying an existing space or building an addition, managing the space allocation is important. Although the insured and family may think a larger space is a better space, a larger area can be much more difficult to regulate. Allocate what is appropriate but recommend that it remains reasonable. Also remember that ceiling heights can dramatically alter the square footage the systems are required to handle. Floor space and ceiling height can also have a significant impact on the cost of controlling environmental temperature.
2) Designate - The space allocated for the insured should be independent from the rest of the home. If it is a new addition this is quite simple. If the space is an already existing room, consider providing it’s own heating and cooling system and an independent electrical circuit. Consider installing a stand-by generator capable of maintaining the environment and medical equipment in the event of power outage. Make sure all of the walls and ceiling are insulted. And check around windows where air can escape and calk where necessary.
3) Insulate - In a new addition, making sure the area is properly insulated can go along way in meeting your objectives. This includes insulating interior walls that separate the designated living area from the rest of the home.
4) HVAC and automatic control systems have become a common item and easily installed and operated. Systems can integrate and automatically control heating, cooling, humidifiers, window shades, ceiling fans and other climate regulators.
Living in Florida, I have have experienced first hand being in a house when the power was out. After a hurricane came through, the outside temperature was in the 90’s and humidity just as high. No a/c, no electricity and no running water. I am able bodied and keeping cool was a next to impossible task. For someone with internal regulatory deficits, it could have been a life threatening situation. Consider your insureds.
Let me know how you’re doing!

Corey Staver

The David Corey Company

coreys@davidcoreycompany.com