BEGIN:VCALENDAR
VERSION:2.0
PRODID:-//Life Built in Kentucky//Homeowner Calendar//EN
CALSCALE:GREGORIAN
METHOD:PUBLISH
X-WR-CALNAME:Central Kentucky Homeowner Calendar
X-WR-CALDESC:Every deadline, every seasonal job, and every call worth making — on the day it matters. From Toni Schafer, REALTOR & General Contractor. (859) 612-4044
X-WR-TIMEZONE:America/New_York

BEGIN:VEVENT
DTSTART;VALUE=DATE:20270101
RRULE:FREQ=YEARLY
SUMMARY:Property Taxes Become Delinquent Today
DESCRIPTION:Kentucky property taxes become delinquent on January 1. If you haven't paid yet, penalties and interest start accruing. Check with your county sheriff's office to confirm your balance.\n\nIf your mortgage company pays through escrow, verify with your lender that the payment was made on time.\n\nQuestions about your tax bill? Call Toni at (859) 612-4044.
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-tax-delinquent@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20270111
RRULE:FREQ=YEARLY
SUMMARY:Prune Trees This Month (Dormant Season)
DESCRIPTION:January through February is the safest window to prune most hardwoods in Kentucky. Trees are dormant, disease pressure is low, and you can see the branch structure clearly.\n\nIf you have ash trees, inspect for emerald ash borer damage — D-shaped exit holes and bark splitting. Dead ash near your home or power lines should come down before storm season.\n\nNeed a referral for a licensed arborist in Central Kentucky? Text Toni at (859) 612-4044.
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-prune-trees@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20270201
RRULE:FREQ=YEARLY
SUMMARY:Check Sump Pump Before Spring Rains
DESCRIPTION:Central Kentucky gets its heaviest rainfall from March through May. Your sump pump needs to be ready before it matters.\n\nPour a bucket of water into the pit to test the float switch. Make sure the discharge pipe drains away from the foundation. If you have a battery backup, test that too — a spring thunderstorm can knock out power for hours.\n\nAlso a good time to inspect your crawl space for moisture, mold, or standing water. Kentucky's clay soil holds water against foundations.\n\nQuestions? Call Toni at (859) 612-4044.
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-sump-pump@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20270208
RRULE:FREQ=YEARLY
SUMMARY:Dryer Vent, Water Heater & Crawl Space Check
DESCRIPTION:Three things that get neglected every year:\n\n1. DRYER VENT — Disconnect and clean the entire run. Lint buildup is the #1 cause of dryer fires. If your vent run is longer than 25 feet or has multiple elbows, consider a professional cleaning.\n\n2. WATER HEATER — Flush the tank to clear sediment. Kentucky has hard water in most counties, and sediment buildup reduces efficiency and shortens the tank's life. Drain a few gallons from the valve at the bottom.\n\n3. CRAWL SPACE — Look for moisture, rodent activity, insulation falling down, or plumbing leaks. This is the time to catch problems before they get expensive.\n\nNeed a contractor referral? Text Toni at (859) 612-4044.
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-dryer-heater-crawl@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20270301
RRULE:FREQ=YEARLY
SUMMARY:HVAC Tune-Up & Roof Inspection
DESCRIPTION:Schedule your AC tune-up now before every HVAC company in Central Kentucky is booked solid by May.\n\nWhile you're at it, get on the roof (or have someone get up there) and photograph every slope. You want a clean baseline before spring storm season. If hail or wind hits later, your insurance adjuster needs a "before" to compare against.\n\nReplace your HVAC filter if you haven't already.\n\nToni is a licensed General Contractor who can spot roof issues during a property visit. Call (859) 612-4044.
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-hvac-roof@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20270315
RRULE:FREQ=YEARLY
SUMMARY:Tornado & Storm Season Prep
DESCRIPTION:Central Kentucky's tornado and severe storm season runs from March through June. Now is the time to prepare:\n\n- Know your safe room (interior room, lowest floor, away from windows)\n- Test weather radio batteries or confirm phone alerts are on\n- Photograph every room and your exterior for insurance documentation\n- Trim dead branches within striking distance of your home or power lines\n- Check your homeowner's insurance policy — know your wind and hail deductible\n\nIf you have a generator, run it for 15 minutes to confirm it starts.\n\nQuestions about storm damage or insurance claims? Toni has seen it from the contractor side. Call (859) 612-4044.
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-tornado-prep@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20270401
RRULE:FREQ=YEARLY
SUMMARY:Termite Inspection Season Opens
DESCRIPTION:Subterranean termites swarm in Kentucky from April through May. This is when you'll see the winged ones near windows and foundations.\n\nKentucky requires a termite inspection (Wood Destroying Insect report) for most real estate transactions, but you should get one annually whether you're selling or not. Termites cause more structural damage in Kentucky than storms do.\n\nLook for: mud tubes along your foundation, soft or hollow-sounding wood, small piles of wings near windows.\n\nNeed a pest inspector referral? Text Toni at (859) 612-4044.
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-termite-inspect@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20270415
RRULE:FREQ=YEARLY
SUMMARY:Test Radon Levels (Kentucky High-Risk Zone)
DESCRIPTION:Kentucky has some of the highest indoor radon levels in the country. The EPA recommends testing every two years, and spring is a good time to do it.\n\nYou can buy a short-term test kit for under $15 at most hardware stores, or order a free or discounted kit from the Kentucky Radon Program.\n\nIf your result is 4 pCi/L or higher, a radon mitigation system (typically $800-$1,500 installed) can fix it. This is especially important if you have a basement or slab foundation.\n\nToni includes radon awareness in her buyer consultations. Call (859) 612-4044.
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-radon-test@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20270501
RRULE:FREQ=YEARLY
SUMMARY:PVA Assessment Notices Arrive — Review Window Opens
DESCRIPTION:Your county Property Valuation Administrator (PVA) mails assessment notices in the spring. This is the assessed value your property tax bill will be based on.\n\nOpen it. Read it. Compare the assessed value to what homes in your neighborhood are actually selling for.\n\nIf the assessed value looks too high, you have the right to appeal. Contact your county PVA office within the appeal window (typically 30 days from the notice date). You can file with the County Board of Assessment Appeals — no lawyer needed.\n\nWant help understanding your assessment? Toni knows Central Kentucky home values inside and out. Call (859) 612-4044.
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-pva-assessment@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20270515
RRULE:FREQ=YEARLY
SUMMARY:Gutters, Grading & Foundation Drainage Check
DESCRIPTION:After spring rains, walk your property and look for:\n\n- Gutters overflowing or pulling away from fascia\n- Downspouts dumping water against the foundation (extend them 4-6 feet out)\n- Soil grading that slopes toward the house instead of away\n- Standing water near the foundation or in window wells\n\nKentucky's clay soil expands when wet and contracts when dry. This cycle is what cracks foundations over time. Proper drainage is the single best thing you can do to protect your home's structure.\n\nToni spots drainage issues other agents miss — she's also a General Contractor. Call (859) 612-4044.
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-drainage-check@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20270601
RRULE:FREQ=YEARLY
SUMMARY:Assessment Appeal Deadline — File by June 30
DESCRIPTION:If you received your PVA assessment notice and believe the value is too high, the deadline to appeal to the County Board of Assessment Appeals is typically around June 30 (confirm with your county PVA — deadlines vary slightly).\n\nYou'll need: your notice, comparable sales data, and photos of any condition issues that affect value.\n\nThis is free to file and you represent yourself. Many homeowners skip this and overpay for years.\n\nNeed recent comparable sales for your neighborhood? Toni can pull them for you. Call (859) 612-4044.
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-assessment-appeal@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20270607
RRULE:FREQ=YEARLY
SUMMARY:Attic Inspection & Dehumidifier Check
DESCRIPTION:Before the real heat sets in, get in your attic and look for:\n\n- Insulation that's been moved or compressed (reduces R-value)\n- Bathroom exhaust fans venting into the attic instead of outside (moisture and mold)\n- Light coming through the roof (daylight = water gets in too)\n- Animal activity or nests\n\nAlso check your dehumidifier if you have a basement or crawl space. Kentucky humidity runs 70-80% in summer. A working dehumidifier prevents mold, protects stored belongings, and keeps your home healthier.\n\nQuestions about your home's structure? Call Toni at (859) 612-4044.
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-attic-dehumidifier@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20270705
RRULE:FREQ=YEARLY
SUMMARY:Foundation & Exterior Walkthrough
DESCRIPTION:Mid-summer heat and dry spells stress Kentucky's clay soil. Walk around your home and look for:\n\n- Cracks in the foundation (new or widening)\n- Gaps between the soil and the foundation wall\n- Sticking doors or windows (sign of foundation movement)\n- Cracks in brick or stone veneer\n- Fence posts leaning (same soil movement)\n\nIf you see new cracks wider than 1/4 inch, or horizontal cracks in a block foundation, get a structural assessment.\n\nToni is a licensed General Contractor who reads foundations. Call (859) 612-4044.
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-foundation-walk@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20270801
RRULE:FREQ=YEARLY
SUMMARY:Seal Driveway & Deck + Well Water Test
DESCRIPTION:August is ideal for sealing concrete and wood before fall moisture arrives.\n\nDRIVEWAY: Seal asphalt driveways every 2-3 years. Fill cracks first. Concrete driveways benefit from a penetrating sealer to prevent freeze-thaw damage.\n\nDECK: Power wash and apply stain or sealant. Kentucky's humidity and UV break down unprotected wood fast.\n\nWELL WATER (rural properties): If you're on a private well, test annually for coliform bacteria, nitrates, and pH. Spring and summer agricultural runoff can affect well water quality. Your county health department can help with testing.\n\nNeed a contractor referral? Text Toni at (859) 612-4044.
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-seal-well@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20270906
RRULE:FREQ=YEARLY
SUMMARY:Furnace Tune-Up & Chimney Sweep
DESCRIPTION:Book your furnace tune-up and chimney cleaning now — before October when everyone else remembers.\n\nFURNACE: Have a tech inspect the heat exchanger, test the ignition, and check gas connections. Replace the filter.\n\nCHIMNEY: If you burn wood or have a gas fireplace with a B-vent, get it swept annually. Creosote buildup is a fire hazard. A chimney sweep also checks for liner damage and animal nests.\n\nFIREPLACE: Open the damper and look up with a flashlight. If you see daylight blockage or smell animals, get it inspected before first use.\n\nNeed a sweep or HVAC tech in Central Kentucky? Text Toni at (859) 612-4044.
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-furnace-chimney@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20271001
RRULE:FREQ=YEARLY
SUMMARY:Winterize Outdoor Faucets & Check Insulation
DESCRIPTION:Central Kentucky's first hard freeze typically hits in late October or November. Get ahead of it.\n\n- Disconnect garden hoses from all outdoor spigots\n- Install foam faucet covers on exterior hose bibs\n- If you have a separate shutoff valve for outdoor water lines, close it\n- Insulate any exposed pipes in crawl spaces, garages, or along exterior walls\n- Check attic insulation depth — Kentucky code calls for R-38 to R-49 in the attic\n\nFrozen pipes are one of the most common and expensive winter emergencies in Central Kentucky. Prevention costs almost nothing.\n\nCall Toni at (859) 612-4044 with any questions.
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-winterize@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20271015
RRULE:FREQ=YEARLY
SUMMARY:Property Tax Bills Mailed — Pay Early for 2% Discount
DESCRIPTION:Kentucky county sheriffs mail property tax bills in the fall. Here's the payment timeline:\n\n- Pay by NOVEMBER 1 = 2% DISCOUNT on the full amount\n- Pay November 2 through December 31 = face value (no discount, no penalty)\n- After January 1 = DELINQUENT — penalties and interest begin\n\nThat 2% discount is free money. On a $2,500 tax bill, that's $50 saved just for paying a few weeks early.\n\nIf your mortgage company handles escrow, verify they're paying on time. Escrow mistakes happen.\n\nQuestions about your tax bill or home value? Call Toni at (859) 612-4044.
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-tax-bills@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20271101
RRULE:FREQ=YEARLY
SUMMARY:2% Tax Discount Deadline + Smoke Detector Check
DESCRIPTION:TODAY IS THE LAST DAY to get the 2% discount on your Kentucky property tax bill. Pay your county sheriff's office today if you haven't already.\n\nAlso time to:\n- Replace batteries in all smoke detectors and CO detectors\n- Test every unit by pressing the test button\n- Replace any detector older than 10 years (check the manufacture date on the back)\n- Make sure you have detectors on every level and outside each sleeping area\n\nKentucky building code requires smoke detectors in all bedrooms, outside sleeping areas, and on every level. CO detectors are required if you have gas appliances or an attached garage.\n\nCall Toni at (859) 612-4044.
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-tax-discount-smoke@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20271201
RRULE:FREQ=YEARLY
SUMMARY:Clean Gutters & Ice Dam Prevention
DESCRIPTION:Kentucky's mix of rain, freezing rain, and snow makes gutter maintenance critical.\n\nClean all gutters and downspouts after the last leaves fall. Check that downspout extensions direct water at least 4 feet from the foundation.\n\nICE DAMS: If you've had ice dams before, the cause is usually poor attic insulation or ventilation. Warm air leaking into the attic melts snow on the roof, which refreezes at the eaves. The fix is air sealing and insulation — not heat cables.\n\nAlso a good time to:\n- Verify your winter emergency kit (flashlight, batteries, water, blankets)\n- Know how to shut off your water main in case of a burst pipe\n\nToni is a General Contractor who understands ice dam causes. Call (859) 612-4044.
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-gutters-ice@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20270115
RRULE:FREQ=YEARLY
SUMMARY:Homestead Exemption Reminder — Are You Eligible?
DESCRIPTION:Kentucky's Homestead Exemption reduces the assessed value of your primary residence if you are 65 or older OR totally disabled. For 2027, the exemption amount is set by the Kentucky Department of Revenue annually.\n\nThe exemption is applied automatically by your PVA office once approved, and it stays on as long as you qualify and the home remains your primary residence.\n\nIf you recently turned 65, became disabled, or bought a new home, contact your county PVA to apply. You only need to apply once.\n\nNot sure if you qualify? Call Toni at (859) 612-4044 — she'll point you to the right office.
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-homestead-exempt@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20270901
RRULE:FREQ=YEARLY
SUMMARY:Septic System Check (Rural Properties)
DESCRIPTION:If your home is on a septic system, it should be inspected and pumped every 3-5 years. September is a great time — ground conditions are workable and you're ahead of holiday hosting.\n\nSigns your septic needs attention:\n- Slow drains throughout the house\n- Sewage smell in the yard\n- Unusually green grass over the drain field\n- Standing water or soggy ground near the tank\n\nKentucky requires a septic inspection for most real estate transactions. Keeping up with maintenance protects your home's value and avoids a $15,000-$30,000 system replacement.\n\nNeed a septic company referral in Central Kentucky? Text Toni at (859) 612-4044.
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-septic-check@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20270101
DTEND;VALUE=DATE:20270102
RRULE:FREQ=MONTHLY;BYMONTHDAY=1
SUMMARY:Change HVAC Filter (Monthly Reminder)
DESCRIPTION:Replace or clean your HVAC filter on the first of every month. A clean filter improves air quality, reduces energy costs, and extends the life of your system.\n\nKentucky homes with pets, smokers, or older ductwork may need to change filters more often. If the filter looks dirty before the month is up, swap it out.\n\nStandard 1-inch filters: change monthly.\n4-inch media filters: change every 3-6 months.\n\nToni Schafer | REALTOR & General Contractor\n(859) 612-4044 | home@lifebuiltinkentucky.com
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-hvac-filter@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20270401
RRULE:FREQ=YEARLY
SUMMARY:Builder Warranty Walkthrough (Year 1 Homes)
DESCRIPTION:If you bought or built a new construction home in the past year, your builder warranty walkthrough is coming due. Most Kentucky builders offer a 1-year warranty on workmanship and materials.\n\nBefore the warranty expires, walk every room and document:\n- Drywall cracks or nail pops\n- Doors that don't latch or close properly\n- Window seal failures (condensation between panes)\n- Grout or caulk separation in bathrooms\n- Grading or drainage issues in the yard\n- HVAC performance complaints\n\nSubmit your list to the builder IN WRITING before the warranty date.\n\nToni is a licensed General Contractor who can walk your home with a builder's eye. Call (859) 612-4044.
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-builder-warranty@lifebuiltinkentucky.com
END:VEVENT

BEGIN:VEVENT
DTSTART;VALUE=DATE:20270601
RRULE:FREQ=YEARLY;INTERVAL=10
SUMMARY:Replace Smoke & CO Detectors (They Expire)
DESCRIPTION:Smoke detectors and carbon monoxide detectors expire — typically after 10 years for smoke and 5-7 years for CO. Check the manufacture date printed on the back of each unit.\n\nIf any detector in your home is past its expiration, replace it today. These devices save lives, but only when they work.\n\nKentucky code requires:\n- Smoke detectors in every bedroom, outside sleeping areas, and on every level\n- CO detectors if you have gas appliances, a fireplace, or an attached garage\n\nThis event repeats every 10 years as a reminder, but check manufacture dates annually in November when you swap batteries.\n\nToni Schafer | (859) 612-4044 | home@lifebuiltinkentucky.com
ORGANIZER;CN=Toni Schafer:mailto:home@lifebuiltinkentucky.com
URL:https://www.lifebuiltinkentucky.com/homeowner-calendar/
UID:lbik-cal-detector-replace@lifebuiltinkentucky.com
END:VEVENT

END:VCALENDAR