Save Money By Self Inspecting Your Interior Floors Before The Home Inspector Arrives

Inspecting Interior Floors Floors take more abuse than any other surface in a house. Many things get knocked or spilled and children and pets cause a great deal of wear and tear. Flooring materials include hardwoods and laminates, tile, rolled vinyl, vinyl tiles, carpet, painted concrete and the baseboards around the perimeter of the room.…

Inspecting Interior Floors

Floors take more abuse than any other surface in a house. Many things get knocked or spilled and children and pets cause a great deal of wear and tear.

Flooring materials include hardwoods and laminates, tile, rolled vinyl, vinyl tiles, carpet, painted concrete and the baseboards around the perimeter of the room.

When inspecting the floor, your primary concerns will be the condition of the floor covering and potential water intrusion in areas very similar to those discussed in the article on walls.

Look for stains and worn or damaged areas. Look for missing baseboards and carpet transition strips. Carpet strips are where the carpet meets another type of material such as linoleum, wood or tile. Transition strips are usually made of metal or wood, are generally found in doorways and if loose or missing can create a TRIPPING HAZARD .

There are many other HAZARDS found in the floor area. Worn carpet, worn or cracked linoleum, broken and raised tiles are a few examples of things that could cause a person to trip or fall.

Fireplace hearth bricks that are sticking out in an area where people walk are a HAZARD . Pathways should always be clear of objects that could cause tripping or falling. This is especially true if there are children or elders in the home.

Another dangerous condition is an uneven floor. When a homeowner adds on to their existing home, converges a garage to a living space or simply changes the flooring materials, it can leave a slight difference in the level of the floor. Any change in the level of the floor that is more than one inch can cause a person to trip or fall. This is truly a potential HAZARD .

REMEMBER, HAZARDS ARE A PRIORITY WHEN IT COMES TO REPAIRS AND / OR REPLACEMENTS .

Hazards high lighted in bold print on a home inspection report could influence a prospective buyer's decision to purchase your home.

Tripping hazards from a sudden change in the floor surface is not the same as an irregularity in the overall level of the floor. Irregularities are caused by changes in the floor joists or foundation where sagging or sinking may have occurred. A “crown” or bump in a floor is an irregularity.

Older buildings often have floors that have sagged from the natural dip of the wood sub floor materials. Inspecting this condition will require a careful look in the crawl space to be sure there is not damage to the foundation or underpinnings of the floor.

If you have a sagging floor, a floor that appears to dip in a corner or you notice a crown, make a note to look for obvious damaged when you later venture under the building. This becomes particularly important when a homeowner has cut a hole in a floor to provide a stairway to a lower level and has not properly supported the cut floor joists.

I live in an area where there are a noticeable number of mountain cabins. Many of them were built on the side of a mountain and have large open spaces under the building. It is common for homeowners to turn the spaces into recreational areas with access provided by a new stairway .. The obvious question would be “Were permits filled?”

One of the most scrutinized areas for floor damage is in the bathroom around the tub, the shower and especially around the toilet.

Loose or discolored linoleum in such locations is usually a sign of water intrusion and possible deterioration in the underlayment or in the sub floor. This is area where the home inspector will use a moisture detector such as a GE Surveymaster Protimeter to look for water intrusion. Most of the termite inspectors I have met do not have one of these tools. They rely on discoloration, uneven or spongy flooring, obvious dampness and evidence of moisture when looking at the sub floor in the crawl space area.

Taking an awl and gently poking around in an area may reveal soft underlayment. Be careful not to damage the floor covering.

Check and see if the toilet is properly secured to the floor. This can easily be done by standing with the calf of your leg under the front of the toilet bowl and giving it a slight lift. This procedure should only allow you to move the toilet up and down very slightly. More than slight movement means that the hold-downs are loose.

If the toilet is very loose it will cause the “Wax-Ring” between the toilet and the plumbing flange to leak. Water leaking from under the toilet will soak into and swell the underlayment of the floor and discolor the linoleum. If the toilet is over a concrete slab the potential for wood deterioration is eliminated but organic growth and deterioration of the floor covering will still be an issue.

Another common finding that you can easily eliminate is cracked or loose caulking at the base of tubs and showers. Caulking the bridges will eliminate an inspection note and cause the home inspector to nod his head in approval.

Another place where water intrusion is often found at outer door thresholds. This is not only true for hinged front or back doors but also for sliding patio doors. Water will see through poor or missing flashing and soak the underlayment and sub-flooring.

Usually less pervasive areas will be around the dishwasher or possibly behind the clothes washer. If you have a water dispenser in the refrigerator the valve and tubing behind the refrigerator should also be inspected.

Keep in mind that if there is water available in an area, there is a possibility of water leaks and damage.

Record any loose, stained or missing baseboards.

Another item that is reported over and over again is the gap between floor coverings and the thresholds of exterior doors. Moisture and debris from the bottom of shoes could eventually create problems in the sub floor, particularly in rain and snow areas.

Fill the gap between the threshold and any grouted tile, vinyl or wood and you will make the visiting home inspector think a home inspector has prepared the building.

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FLOOR FINDINGS: REMEDIES AND SOLUTIONS

Worn or damaged floor coverings may have to be repaired or replaced.

Repairing is not common because most repairs look like repairs. I am sure that is why most people, including flooring contractors, replace instead of repair.

If there is obvious underlayment or sub floor damage under the floor covering, replacement may be your only choice.

A qualified tradesman should only do repairs on damaged underlayment.

At times a Realtor will recommend cleaning the floor coverings rather than replacing them. As with window coverings, the new owners may want to pick their own colors and styles.

Do not replace or lay new linoleum over damaged or deteriorated flooring. Deteriorated wood should always be removed before laying new linoleum.

Broken or missing ceramic tile pieces can be replaced but the tile pattern or color batch may no longer be available. Changing the pattern with contrasting tiles may be less expensive than replacing the entire floor but is labor intensive.

Repairing stained and deteriorated hardwood flooring will usually require the skills of a professional flooring contractor. Small spots can sometimes be colored or bleached as needed. I would recommend having a professional give you an estimate for repairs.

Caulk or fill gaps between the door threshold and adj. Flooring materials and you will eliminate a note.

Guides to Home Inspection

If you want to have a deal with regards to buying a house, inspection must be performed to make sure that the house is indeed capable and conducive for living. References from other professionals and experts are also needed. Make sure that you have prepared your savings account before trying to purchase a house. This…

If you want to have a deal with regards to buying a house, inspection must be performed to make sure that the house is indeed capable and conducive for living. References from other professionals and experts are also needed. Make sure that you have prepared your savings account before trying to purchase a house. This is usually conducted by a home inspector who has undergone a lot of trainings and received various certificates to perform such inspections. The task task is to plan a printed report and they will directly convey it to their client. The reports will contain the description of the home situation at the time of inspection. Upon the approval of experts, suggestions and recommendations about the house will be assumed with the buyer. Below are the kinds of inspections being conducted:

Wood destroying pests. Termites are considered to be the world's number one enemies of every houses and even the ceiling. Considering the life cycle of that furniture destroying pest and the things that they feed at, this serious problem would cause a greater trouble in the future if the problem would not be solved. The person who is responsible for the inspection of every pests are responsible for revealing all kinds of furniture enemies in your house.

Plumbing inspection. The home inspector will try to look at all main parts of the pipe and he will check all its parts of any possible leakages. They are also the one who makes a review in some of its connectors and all its types. They are also making a water analysis for your health convenience. To check for the main line, they are using a digital camera and is being inserted into the line.

Electrical. Electrician is needed to in this part. They can tell you the best brands and costs of wires to be replaced in your old ones. A referral is needed, if the wiring as too old and can no longer comply with the city code.

Housing foundation. A general home inspector can tell you if the house is being built by a wood or a concrete. An engineer 'will test if the foundation of the house is adequate in maintaining the environment of the house. One can say that you have an elegant and good foundation of house if you have Simmons beauty rest classic mattress. This is good for a peaceful condition of the house. You can also include a metal bar stools and have it inspected for quality and flexibility.

Roof inspection. The roof will function as a good shield from too much sunlight, rain and protects you from any environmental conditions. If the seller will not provide a payment of roof certificate, then get your own. Be sure that the company you are attending is trustworthy and reliable.

Lot size and boundaries . A lot title must also be checked. This is to know how will the size you will occupy and the boundaries you are owning to. Your inspector will make sure that the title is valid or invalid. It will then be verified by a lot surveyor with regards to its properties. The verification is important to check it is valid or just having errors in calculations.

Radon Testing Protects Your Family

The place you more than likely spend the most time in your home. This means most of the air you breath is when you are at your house. This is one of the main reasons why it is important to get your home tested for Radon levels. Protecting your family is the most important thing…

The place you more than likely spend the most time in your home. This means most of the air you breath is when you are at your house. This is one of the main reasons why it is important to get your home tested for Radon levels. Protecting your family is the most important thing you can do, and that can start at simply the air they breath while you are all in your house. Most people do not even know what Radon is or where it comes from.

Radon actually originates from soil. Being that this is where it comes from, this also makes it very common, and makes it around you at all times. You can not see Radon, smell it, or notice it at all which is why testing for it is very important. What Radon can do is it can damage tissue inside your lungs. It actually accounts for over 20,000 deaths every year, causing severe lung damage. The best time to test for Radon levels is when you buy a new home.

Radon can see up through cracks in the foundation of homes, which of course are usually sitting on soil. It can also come from a lot of other things, such as pipes, seeping through tile floors, and really anywhere near soil deposits. Scheduling a test to see what the levels are in your home is very important. There are absolutely no warning signs that you will notice before its too late, so just to be safe, get your house checked and tested, and treated if needed.

Inspection Services for Single Family Homes

When you go to buy a home, one of the things you will need to do is have the home professionally inspected. The same thing goes for when you are trying to sell your home. You can not get conventional financing for a home that does not pass certain inspections. A house has to be…

When you go to buy a home, one of the things you will need to do is have the home professionally inspected. The same thing goes for when you are trying to sell your home. You can not get conventional financing for a home that does not pass certain inspections. A house has to be in livable condition, and free of danger or other complications in order to be bought, or sold. Making sure you are using the right company to inspect your home is also very important, you would not want something that can be life threatening or something that could have severely decreased the value of your home to go unnoticed.

Another type of inspection is when you are building your home, or while a contractor is building a house, inspections need to be done during the building process, to ensure the house is being built properly. Having a safe house is what is at the most concern here. You will not be able to build a house if the foundation does not pass a inspection, and the same goes for a structural and mechanical inspection while the house is being framed. There is also a final inspection that needs to be passed before the house can be sold, or before a family moved into after it has been built.

Whether you are doing inspections because you are a contractor, or because you are looking at buying a house, or maybe it is because you are trying to warranty the house, you can not avoid, or bypass getting inspections. Houses have strict guidelines to be livable, and they must be followed no matter what the situation is.

Evaluating Condo Siding Repairs

When trying to determine the costs involved when buying a condo, condo siding repairs are certainly one of the things that you should look at. Many people overlook this potentially expensive part of condominium costs, and end up being surprised at the cost. Often, poor siding does not cost that much to repair or even…

When trying to determine the costs involved when buying a condo, condo siding repairs are certainly one of the things that you should look at. Many people overlook this potentially expensive part of condominium costs, and end up being surprised at the cost. Often, poor siding does not cost that much to repair or even redo – the real costs coming from the potential damage that could lie underneath.

Condo siding repairs are large dependent upon the type of siding you wish to repair. As a rule, vinyl, aluminum and metal sidings are less expensive repairs than on cedar or wood based sidings. The labor and materials for this are not incredibly expensive. Keep in mind that most siding can easily be removed and replaced with a new form or siding that is less expensive, so you are not unnecessarily stuck with the existing siding. If the current siding on the condo is in good repair, however, you may be better off just fixing the parts that are damaged.

When observing potential condo siding repairs, it is vital to check out any areas that are not properly sealed. These areas can easily have been taken in water and moisture, so they are especially susceptible to damage. If water or moisture has soaked into the wood underneath, then the damage could have spread to all of the structures in the building. Water quickly turns to mold or mildew, which in turn can literally eat away at the structure. Suddenly your condo siding repairs can turn into building structure repairs. Do not underestimate a little bit of water in your review of the property. Check it out fully.

Most condo siding repairs are minor, however, and can be easily managed by Seattle siding specialists without terrible cost to the owner. Many condo owners elect to install all new siding anyway to upgrade the condo value and have a fresh look. Whichever way you decide to go, it is vital that you are thorough and careful. You do not want to have a condominium that has structural damage masking itself behind small condo siding repairs. It happens, and it could happen to you if you are not careful. The best way that you can be sure is to have a siding specialist come out and inspect the condo. This is one way you can be sure about costs, and make an informed buying decision.

Carbon Monoxide Poisoning – Keep Yourself Safe From This Silent Killer!

Feel Like You Have the Flu? So Do People with Carbon Monoxide Poisoning! Here's how to tell the deadly difference … Imagine a killer in your home. You can not see him. You can not smell him. You can not hear or touch him.But you know he's there. And you're breathing him in. Wait ……

Feel Like You Have the Flu?

So Do People with Carbon Monoxide Poisoning!

Here's how to tell the deadly difference …

Imagine a killer in your home. You can not see him. You can not smell him. You can not hear or touch him.But you know he's there. And you're breathing him in. Wait … breathing him in? Yes – because the killer is carbon monoxide (CO), a colorless, odorless poison emitted by fossil fuels that do not burn completely.

Each year an estimated 500 people in the United States lose their lives to this invisible killer and thousands more suffering from symptoms including nausea, vomiting, headache, blurred vision, and disorientation. Any appliance in your home that uses natural gas, oil, kerosene, coal, or wood may be producing carbon monoxide and you may not even know it.

So what can you do to keep you and your family safe? As of July 1, 2009 Colorado requires certain homes to have carbon monoxide alarms. The new law relates to houses that are for sale and rental housing such as apartments that are leased to new tenants plus building permits issued for upgrades to an existing home.

Problem solved, right? Not quite. Now the issue becomes which detector to use and who should install it.

Devices are available at your local hardware store, as well as the super stores, but there can be multiple drawbacks. Many of these monitors do not indicate CO levels at less than parts per million, or alarm occupants at levels below parts per million. But “the US Environmental Protection Agency (EPA) issues a health hazard alert when the outdoor concentration of CO increases above 9 parts per million (PPM) for an extended period or above 35 PPM for one hour”.

We recommend you use a top-of-the-line Carbon Monoxide monitors that can detect levels of CO at 10 parts per million and provide visual as well as auditory alerts. These monitors will alert you before your family experiences any of the effects from CO.

What To Avoid In A Certified Building Inspector

So you are now moving to a new home and since you are about to sell your old dwelling and looking to buy a new one, the need for a certified building inspector is all the more urgent. No doubt you've scoured the net for things to look for when hiring a home building inspector,…

So you are now moving to a new home and since you are about to sell your old dwelling and looking to buy a new one, the need for a certified building inspector is all the more urgent. No doubt you've scoured the net for things to look for when hiring a home building inspector, but what about the things to avoid?

Unfortunately, the world is not perfect and no matter how honest and sincere you are with your daily transactions, there are some unscrupulous characters who are out to make your life miserable. And even the simple act of finding someone to give you a building inspection service is not exempt. From dishonest contractors to outright thieves, you must keep your guard up when looking for a building inspector.

One of the signs of a rogue inspector is the way he handles himself. When you go and meet him or her for an initial consultation, take note of how he dresses, how he talks, and how his general presentation is. Not to discriminate against naturally sloppy dressers, but the way a person dresses is an indication of how professional he or she is. If the inspector you are meeting with comes in shorts, flip flops and a tank top with unkempt hair and an unruly beard, then I recommend you steer clear from him. Who knows if he is just a hobo pretending to be an inspector to make a quick buck? Or even if he or she is indeed a certified building inspector, would you like someone who dresses and acts unprofessionally do safety check on your home? Who knows how professional they will be when it comes to work? Ticking boxes as if they were a restaurant survey is not a good thing.

An inspector that looks and dresses professionally can be expected to perform the same way. Another thing to look out for is if the inspector is telling the truth. Say, you are in a meeting and the inspector shows you his or her past projects. All impressive to say the least, but are they really his works? After a consultation, do a little background check on the person to see if they are who they say they are. Many inexperienced and dishonest contractors may intend to have an extensive experience while some may go as far as to take other people's work their own. Beware of these types.

Of course there are many more signs if a certified building inspector is who he says he is, and the best advice I could give you is use common sense. You really do not want to end up like a friend of mine, who hired a contractor, paid him in full, and never saw him ever again. Moral of the story? Use common sense. I can not stress that enough. Do not pay in full until the complete services are rendered, and do not hire someone if you have even a hint of doubt as to he or she is. Do your research, ask around and stick to contractors with a solid track record.

Starting a Home Inspection Business

A few years ago all people could talk about was the how the real estate business was doomed. While the prices of real estate fluctuate constantly, one thing is consistent: people will always need to buy and sell and build houses. We all need a place to live. Sometimes people relocate for their jobs. Other…

A few years ago all people could talk about was the how the real estate business was doomed. While the prices of real estate fluctuate constantly, one thing is consistent: people will always need to buy and sell and build houses. We all need a place to live. Sometimes people relocate for their jobs. Other times, families need to buy a larger home to make room for a new arrival. Seniors often purchase smaller homes after retirement.

Because of this constant buying and selling of homes, people will always need home inspections. Most banks require a home to be thoroughly inspected before the mortgage will be processed. So starting a home inspection business can be a great way to break into the world of self-employment. Sometimes you can build the business into a solid company company that provides a consistent source of income.

If you think you might want to start your own business as a home inspector, here are a few important things to keep in mind:

• Think about how you plan to build your brand. It is important to have a company website where potential customers can learn about you and your business. Develop a logo and use it on everything you can from advertisements to uniforms and lanyards. Today ribbon lanyards can be imprinted with your business name, logo, and colors. Use them for you and your employees or give them away as marketing materials.

• If you do not know much about the rest estate business, find a way to learn all you can about it. You can take some classes and train under an established home inspector before you decide to break out on your own. By doing this you will learn how to avoid costly mistakes and the best and most efficient ways to operate on a day-to-day basis.

• Most professional inspectors get more business when they join a professional association like the ASHI or the NAHI. These affiliations give potential clients a sense of integrity and security when they hire you. These associations also provide plenty of mentoring, professional development and resource opportunities for you and your growing business. These tools will be helpful down the road if you decide you want to expand.

• Learn from a professional. Just because you've purchased a home before does not mean you know what to look for when it's time to inspect a home. You need to be able to identify issues like leaks, cracks in the foundation, and roofing problems. Things that look small now can become huge problems later. You will be responsible for explaining the cause of these issues to homebuyers and help them understand what might be required to repair them later.

• You should never operate without obtaining errors and omissions insurance. This business insurance for home inspectors protects you in the event you miss a hazard or problem during one of your inspections.

Starting a home inspection business can be rewarding and lucrative for the right person.

Home Inspection List – A Guide to Making Home Exterior Improvements

The roof, windows, doors and exterior walls of your house work together to create a shield that keeps your home healthy and protects your family from the elements. When it comes to making timely repairs and home exterior improvements, a home inspection list can serve as a great guide in early detection and prevention of…

The roof, windows, doors and exterior walls of your house work together to create a shield that keeps your home healthy and protects your family from the elements. When it comes to making timely repairs and home exterior improvements, a home inspection list can serve as a great guide in early detection and prevention of more serious and costly home repairs down the road.

If you use a home inspection list, routine maintenance checks of the exterior of your house are much less time-consuming. If you know what to look for and where to look, a semi-annual home inspection could have been done in 30 minutes.

By conducting your inspection in a logical sequence, you will save even more time. A good strategy is to simply start at the top with the roof system and work your way down and around the house, finishing up with your foundation, driveway and sidewalks. Do not forget to make important interior inspections like looking for water damage and checking insulation and weatherstripping.

Home Inspection List:

Roof, Gutters, Soffits and Fascia

Regular inspections are essential to maintaining a healthy roof system. More can go wrong in the roof area than in just about any other part of your house. Most roof damage is due to water either from precipitation or condensation below the roof materials.

  • Shingles – Inspect for buckling, cupping, wear, damage, missing shingles, leaks and exposed nails.
  • Flashing – Look for gaps, leaks, damage, rust, corrosion and bad seals.
  • Chimney – Examine flashing, mortar joints and bricks for loose or crumbling masonry. Look for soot buildup and check for pests.
  • Ventilation – Check for proven vents and damaged covers or turbines.
  • Gutter and downspouts – Check for leaks, holes, rust, clogs and sagging.
  • Soffits and fascia – Look for signs of rot, damage, paint failure and cracks. Check for pests.

Siding and Trim

The first step in inspecting and evaluating siding and trim is determining the material type of your house's exterior. Common siding types are lap siding, shakes and shingles, vinyl siding, brick, metal and stucco. Once you have determined the material, you will have a better idea of ​​how to fix problems you may have forgotten.

  • Siding – Look for gaps, paint failure, rot, damage, and dirt buildup. Make note of popped nails, buckling and missing sections.
  • Trim – Check for signs of rot, damage, cracks, splits and paint failure.

Doors and Windows

Regularly inspecting doors and windows for gaps and drafts is vital to minimizing home heat energy loss. More home thermal energy escapes through these areas than any other part of the house. The good news is that making home exterior improvements to windows and doors is fairly straight-forward and easy to do.

  • Weatherstripping – Check to see if damaged or missing.
  • Hardware – Examine for rust, corrosion, paint failure, sticking and misalignment.
  • Glass and screening – Check for broken panes, torn screening, and deteriorated glazing or retaining strips.
  • Frames and wood – Examine for rot, damage and paint failure.

Foundation

  • Leaks – Look for water in the basement and condensation on interior walls.
  • General condition – Check for cracks and deterioration.

Decks, Porches and Patios

  • Wood surfaces – Inspect for rot, damage, paint failure and loose boards.
  • Masonry surfaces – Look for cracks, stains and concrete failure.
  • Railings, trim and accessories – Check for rot, damage, rust, and paint failure.

Driveways and Sidewalks – Look for cracks, stains and concrete or asphalt damage.

Security – Check outdoor light bulbs and test locks. Make sure entry points are well-lighted and test alarms.

The time it takes to inspect the different areas of your home's exterior is an excellent investment when compared to the cost of fixing problems that early detection could have prevented. Using the above home inspection list will maximize your time even more and make sure you have connected a thorough examination of your house.

Prevent Your Homeowner Claim From Getting Denied

There are times when it may seem that your homeowners insurance company is not handling your claim properly. You may think that your claims adjustor is investigating your claim in a biased manner. It may appear that your insurance company made their decision about your claim before your home was even even inspected. Well, the…

There are times when it may seem that your homeowners insurance company is not handling your claim properly. You may think that your claims adjustor is investigating your claim in a biased manner. It may appear that your insurance company made their decision about your claim before your home was even even inspected. Well, the sad truth is that you might be right.

Insurance companies are businesses. They are in business to make money and increase profits. Paying claims does not help with increasing profits. If paying claims threatens an insurance company's business liability, they may start handling claims with bias.

Some homeowners have had terrible experiences with their legitimate homeowners claim. They are treated rudely from the very beginning of the claims process, as soon as they submit their claim. They may be made to feel as if they are somehow doing something wrong. The tone of the insurance claims receptionist can be far from polite, to say the least.

And then the claimant calls you and requests you several questions, giving little or no response to your answers. His questions may seem to be leading or insinuating. He may try to verbally bully you and you may feel as if you are being interrogated.

Next, the adjustor respects for the damages. But, first, an appointment for the inspection must be set. Sometimes, the adjuster will go out of his way way to “fake you out” about the time frame of the inspection. He may tell you one time while planning to be there earlier. Or he may try to schedule an appointment with you for the same day that he first contacts you, claiming that he can not do it any other time or stressing how “busy” he is.

This is all an effort to inspect for the damages while no one is present, or catching you, the homeowner, off guard. The inspection itself may seem like little more than a dog and pony show with the adjustor obviously just going through the motions and performing a less than thorough inspection.

During the inspection, the administrator, who once was so inquisitive about your claim over the phone, suddenly does not have any questions for you. He wants to know as little as possible about your damage situation and if he requests you questions, it may only be in an attempt to steer the focus from what actually matters bout your claim.

Questions like, “Why did not you report this claim sooner?” or “What is this other damage from?” They are some of the common questions you may hear from an adjustor during a biased inspection. The only two things that truly matter about your homeowner claim is (1) if you have damage and (2) if that damaged is covered. Damage unrelated to your claim that you did not submit a claim for and the exact nature of your submitting of the claim are merely distractions.

Another strategy that insurance companies use is dragging the claims process out. They may voluntarily send several different inspectors before rendering a decision. This way, they can claim that they thoroughly inspected it and they can try to sell you on the idea that their decision is final. They try to ware you down over time with hopes that you will get so frustrated that you will simply give up.

Their final decision will either be a complete denial or something similar and though the insurance company may never have overtly broken the law, it would seem that the final decision regarding your claim was an inevitability, a foregone conclusion. And when this is the case, it is not fair, not right and, if nothing else, unethical.

As the homeowner, you are left with unrepaired damage and with what may seem like limited options at your disposal. In actuality, however, you can take your claim to the highest levels of the court systems. You can submit for re-inspections to your insurance company and make sure that you tell them that you do not pan on going away until you are satisfied that your claim has been handled and determined properly and fairly.

If your insurance company refuses to honor any more re-inspection requests, you can take your claim to appraisal. There may be a small upfront fee for this, but appraisal is a state mandated process where an agreement must be reached and is basically final.

Writing a letter to your insurance company can be powerful as well. You may not think that they will take your letter seriously, but a letter is a physical, verifiable piece of evidence. Send it certified and state your case concisely. Make sure you focus your letter on the transpirings of your claim (a documentation of how things occurred), and the damage that your house has suffered.

Do not reference your neighbor's claims or other unrelated items. Also, do not concentrate much on the fact that you think you were treated rudely. Again, make your argument about the damage. The damage and whatever storm or other sudden event that caused it is what our claim decision should be based on.

Because of potential negative homeowner claims situations, it is recommended that you use an experienced insurance restoration contractor . You may want to contact such a contractor before you submit your claim. This way, you can get educated about your situation and your damage and what it will take to repair the damage.

Plus, your restoration specialist can meet with your claims administrator and provide an appropriate estimate for the repairs. Having a knowledgeable contractor on your side can make a huge difference in your final claim exit. An insurance company may try to dupe you but probably not you and a qualified contractor that is familiar with the claims process.

How Does Your New Home Measure Up After Your Home Inspection?

What happens after your home inspection? How does your home measure up. Repair Statistics for homes that are built new to 12 yrs old have less repairs. The most common items that need repairs for these ages are roof, electric, heating and drainage. The most percent of repair is drain at 23%. The highest percentages…

What happens after your home inspection? How does your home measure up. Repair Statistics for homes that are built new to 12 yrs old have less repairs. The most common items that need repairs for these ages are roof, electric, heating and drainage. The most percent of repair is drain at 23%.

The highest percentages of repair is heating at 60% and roof 50% for homes that are 13-29 yrs. For those home older than 30, here are some interesting percentages. Heating is 55%, roof 56%, electric 49%, plumbing 41%, insulation 49% and major structural is 38% and foundations are 48%. The bottom line is that when a home is not maintained and becomes 30yrs, everything needs attention.

The home inspection is not a pass or fail test. A home inspection is not a to do list for the home seller. The home inspection is not insurance. You must read your inspection report in its own territory and make sure you fully understand the report and attachments. Conditions will continue to deteriorate with usage and the passage of time. Prior to your closing, arrange to have elements that were constructed due to storage / furnishings, or that could otherwise not be operated and / or evaluated / inspected. You should use a pre-closing checklist. You should now use a preventive maintenance checklist when you move in, a season by season guide to keeping your home in tip-top shape. Minor things like cleaning gutters is the easiest thing to do, preventing water penetration into your basement.

Is My Furnace Connected To The Venting System

Professional Furnace Contractors Can You Trust Them? When purchasing a new furnace for your mobile home we contact the furnace contractors and expect them to talk to us about the new furnace that they will install into your home, what is expected of it to perform it's duties and what if anything it attaches to…

Professional Furnace Contractors Can You Trust Them?

When purchasing a new furnace for your mobile home we contact the furnace contractors and expect them to talk to us about the new furnace that they will install into your home, what is expected of it to perform it's duties and what if anything it attaches to make the furnace work efficiently and cost efficient.

But when you purchase a new furnace for your home and the company was so happy and pleased to come and install your furnace, take your money and leave and never give a complete inspection of your mobile home underneath to find out if; indeed, the furnace will be attached to the outside vents.

What are we supposed to do? Most of us do not know how a furnace works or works. We do not know the correct questions to ask. I feel that is left up to the professionals. The contractor which installs the new furnace, to make a complete inspection underneath your mobile home to find out if there is a blockage or do not have any ventilation system at all hooked up into your home.

When my new furnace was purchased and installed, it took me three years to find out that there was never an inspection of under my mobile home to find out if the outside vents were attached and working.

I found out when a representative of the furnace company came to my home and finally did the inspection, took pictures, and told me that at the time of the in stallion of the new furnace this was not done. No wonder even with my furnace on I was always freezing. The outside air was coming into my Home and I was heating it. How efficient is that. Then the representative had the nerve to ask for a fee for coming out and inspecting my Mobile Home. I immediately called his supervisor and it was written off.

When I think of the amount of furnaces this particular company has installed in Mobile Homes and how many problems there are with the outside venting which comes into your Home I want to scream in frustration.

To fix the problem it will cost over a thousand dollars. Am I wrong or is there some kind of problem with the professional contractors who take our money and never give us the complete advice and information we need to make a sensible decision. Be careful. If you live in a Mobile Home now you know to ask this question? Is my furnace attached to the outside venting system.

Essentials to Know About Home Maintenance and Its Cost

Aside from being one of life's essentials, your home can be an investment of a lifetime. Although this structure can bring everyday life of the family the needed protection and comfort that even extends to other great benefits such as entertainment, relaxation and even luxury; many still overlook the importance of home maintenance. Keep in…

Aside from being one of life's essentials, your home can be an investment of a lifetime. Although this structure can bring everyday life of the family the needed protection and comfort that even extends to other great benefits such as entertainment, relaxation and even luxury; many still overlook the importance of home maintenance. Keep in mind that homeowners does not end at purchasing a New York house but extends to caring for and managing the property to enjoy maximized beauty, functionality, coziness, as well as great return by resale time. So while you are in Long Island, Queens, Brooklyn, Staten Island, or Manhattan know and implement the fundamentals of home maintenance and its cost and reap the rewards.

There can never be two houses that are entirely the same-considering not only construction and design but also the requirements and preferences of different homeowners and families. There, there are various ways to go about home repair and maintenance and there would always be a difference in costs from one house to another.

Home Maintenance … Why?

Although the answer is obvious, many still do not understand the full extent of the risks that they are exposing their homes and families to by not sticking religiously to home maintenance. Other than helping the fast deterioration of the house and its components, thus reducing the possible life that your house will last and its livability, not keeping homes in good working condition also poses emergency repairs that are often cost and huge, as well as health and safety hazards to the household.

Home Maintenance Checklist

To keep your homes in good working condition all through the year, here is a list of critical areas that should become a part of your bi-annual property evaluation and home maintenance:

  1. Roofing and gutters
  2. Attic
  3. Chimneys and fireplaces
  4. HVAC systems – Heating, Ventilation and Air-Conditioning
  5. Filters
  6. Plumbing fixtures
  7. Windows, doors and sidings
  8. Basement
  9. Foundation and walls
  10. Safety equipment – fire extinguishers, smoke detectors, etc.

Home Maintenance Cost

Home maintenance cost, each year, for average homes range from 1% to 3% of the overall value of the house and still changes depending on the age of the house. As the age of the structure increases, so does the home maintenance cost.

Having a good idea on how much to budget for maintenance is important. Aside from scheduled cleaning, replacements and tune-ups; it is also important to leave an allowance for unexpected repairs. Unexpected repairs are inevitable and getting worn off-hand can get you into financial trouble.

How to Save on Home Maintenance Cost

As they all would say, an ounce of prevention is better than a pound of cure and this is what home maintenance is all about. To avoid an overstated expense, creating a checklist and religiously sticking to it is important. This schedule should include weekly, monthly, bi-annual and annual chores and tasks. Aside from lined-up tasks, make a regular evaluation of the property and house to know if any area is needing attention. The best way to save on home repair and maintenance cost is to avoid the aggravation of whatever damage.

Find A Home Building Inspector in Your Area

It is an exciting time. You have decided on the house you want to buy and are on the point of submitting a bid to the vendor. Before you do this, it is essential that you employ the services of a home building inspector to ascertain whatever this is indeed the dream home you thought…

It is an exciting time. You have decided on the house you want to buy and are on the point of submitting a bid to the vendor. Before you do this, it is essential that you employ the services of a home building inspector to ascertain whatever this is indeed the dream home you thought it was.

Ask any friends, relatives or colleagues who have recently bought a house who they used for their house inspection, and if they would recommend that person. If they would recommend them, get the details and make contact. An industry association will also be able to furnish you with the names and numbers of reputable building inspectors. Failing that, consult the Yellow Pages.

When working out who is the best building inspector for you, ask to see the inspector's building consulting license. Any hesitation he shows in supplying this should be a warning sign to you and it is wise to seek another consultant. Ask for details of the building inspector's experience in the industry, his qualifications and details of the insurance cover he has for public risk, professional indemnity and for the death or injury of any employees. The names and contact details of three clients with similar properties should also be asked for. You should contact these people and ask where they would recommend the services of this building inspector. Was the work carried out professionally, and was the report comprehensive, picking up any potential problems?

Do not stop at contacting one consultant. It is helpful to get three quotes for the inspection of the property and the report. Ask each of them whether they are a member of their industry association and if they follow the Code of Conduct of that association. Do they have a set procedure for settling any disputes which may arise, and if so, what is the method that use? An experienced and competent home building inspector should be happy to answer all of these questions, and in fact should be pleased that you are taking his job so seriously.

The report is crucial to this whole process, and you need to find out what the format of the final product will be. Ask for one or two sample reports, and find out how long the inspector envisages that the report will take to complete and be sent to you. Find out if a verbal report is to be provided on the day, and if so, how much this will cost. It is also an important step to ask whether the building inspector is independent of the vendor or whether he is acting as their agent.

Although the report will give details of any damage infected by pests such as termites, it may not include details of whether these pests are currently present, so you may want to get a separate report to cover this. The major problems of the house will be included in the basic report, but you may want to pay more to find out what the cost of repairing these problems is likely to be, as well as the cost of minor repairs and maintenance.

Once you have received the report from your home building inspector, hopefully all will be in order, and you can have the confidence to make a firm bid on the property and finally become its proud owner.

Clean and Maintain Your Chimney to Avoid Disaster

Many people do not give much thought to their chimney. It seems like such a quaint addition to the home for use on romantic evening with a roaring fire. What is sometimes not commonly understood is that chimneys are more than just a simple tube for smoke and they need to be cleaned and maintained.…

Many people do not give much thought to their chimney. It seems like such a quaint addition to the home for use on romantic evening with a roaring fire. What is sometimes not commonly understood is that chimneys are more than just a simple tube for smoke and they need to be cleaned and maintained. Failure to maintain a chimney can result in injury or death.

The US Consumer Product Safety Commission reported recently that upwards of 23,000 uncontrolled fires are caused annually. Most of these are the result of wood stoves, wood fires and related devices and almost 6,000 additional fires were attributed to chimney and chimney connectors related to heating systems connected to a chimney. Upwards of 360 people are injured or killed as a result. But how can you tell if your chimney needs cleaned?

You can easily check if your chimney needs cleaned with a simple test. First, make sure the airflow in the chimney is up. If air is flowing down the chimney, open a window on the same floor and wait until the flow reverses. While wearing goggles and a dust mask take the fireplace poker and scratch the surface above the damper. If the resulting scratch in the creosote is 1/8 “deep the chimney needs cleaned. This level of creosote possess a serious fire hazard.

It is best to hire a professional chimney sweep to clean your chimney. It is possible to do it yourself but the specialized and dirty nature of the job makes it very difficult for you to do a good job. Plus, a professionally will be able to spot mechanical or structural defects that you would be likely to miss.

When hiring a chimney sweep, be sure to inquire about their credentials and training. They are certified and what kind of training has he or she undergone. Also, be sure to get reference from other satisfied customers. You do not want to be the first or second customer and be on-the-job training for a new chimney sweep. The charge, depending on your area of ​​the country will be around $ 150 – $ 200.

Cleaning your chimney is very inexpensive insurance. Have your chimney inspected soon and protect your family from disaster.