Slide 1

Serving South Florida

Slide 2
For over 35 years

Home Maintenance

What We Need From A Home During COVID-19 Pandemic

Home Buying and COVID-19
Home Buying and COVID-19
It is safe to assume that COVID-19 or other lethal viruses are going to be a part of our lives for years to come. Homes, businesses, schools, travel entertainment and more will all have to adapt for keep people safe and productive. The one area that we all can control is where we live. Our homes are increasingly becoming our refuge, work place, school, and sources of entertainment. Our needs have changed as well as the stresses in our lives and our homes should be an area that provides us with restorative releases from the stresses that living with a pandemic produces.
Our needs are tied to our emotions, which are themselves influenced by our surroundings. The pandemic we’re living through has intensified certain emotions and shaken up our priorities. Emotional needs are translating into new demands on our interiors and how good design can help address the new challenges.
Multipurpose Rooms:
Home isn’t just home anymore. With the pandemic and lock down, it has become an office, a school, a gym, a play area, a restaurant, a dormitory and a place to retreat and relax. Hybrid designs, detachable units and convertible pieces are the keys to creating a home suited to the “new normal.”
Rooms that can be closed off for offices, playrooms, and individual spaces are helping homeowners better manage playtime for the kids, conference calls for work, and peaceful alone time
Sanitation and Disinfection:
Before COVID-19 there was already a growing awareness of the importance of healthy air, but today it has really become a priority as we spend more and more time at home. Homeowners are looking for all possible means to improve indoor air quality: furniture that doesn’t emit VOCs or other pollutants, sensors that monitor air quality and air-purifying treatments.
 In order to keep homes safe and clean, entryways will become clearly defined transitional spaces where one can remove their shoes, hang their jackets and sanitize their hands before entering.
There is a new emphasis on contact-less ways of stopping germs from multiplying on certain surfaces or limiting their proliferation in the home. This includes solutions for disinfecting clothing, such as with disinfecting wardrobes; antimicrobial products and fabrics for children and bedding; soaps that change color when you’ve washed your hands long enough; and self-disinfecting features such as door handles.
There are few materials that we can use that are more sterile than others, and will be used even more in the future of design.
  • Metals such as copper, brasses, and bronzes are natural antimicrobial materials that have intrinsic properties to destroy a wide range of microorganisms. Not only are these metals hygienic, but they are great accents to warm up your home.
  • Quartz is one of the hardest non-precious stones on earth, therefore countertops made from quartz are hard, stain and scratch-resistant, and the most sanitary. Quartz is already popular, and that will only increase post COVID-19.
  • Woods like bamboo, oak and cork stop bacteria and microorganisms from growing. We love the look of warm lighter oak woods for flooring, and think this will continue to be a big trend in home design.
Restful Environments and Wellness:
Our homes have also become our refuges, a place to rest and recharge our batteries.Responding to this need are products that ensure high-quality sleep, helping us process our daily emotions and protecting our immune systems, such as sleep and breathing monitors and sound insulation. It also means keeping bedrooms areas for rest and finding other areas in the home for work and school.
Going to gyms and fitness class outside the home are no longer safe options. This search for well-being also includes physical activity at home, with a focus on equipment and furniture resilient enough to withstand daily use, including stain-resistant, waterproof, warming and anti-odor products that can be used for exercise.
Closed off Spaces:
Now that people are having to live, work and play all in the same confined space the need for sound proofing and privacy has grown. There are a large percentage of people who may never return to a full time office environment and home offices are a mandate now instead of an afterthought. There will be a rising need for functional private offices to be an integral part of the home.
the benefits of making your office space aesthetically appealing —something that often comes second to function. “Whatever your home office space is, make it beautiful. Face something beautiful,” she said. “I like to face into the room, or you could look out of a window. Have a comfortable desk chair — spend money on that; it’s where you sit every day.”
Outdoor Space:
Since the onset of the pandemic, our appreciation of the outdoors and nature seems to have greatly increased. The act of simply going for a walk or sitting in a park has been a monumental source of reprieve. However, in the midst of a lock-down scenario, these activities don’t guarantee safety and aren’t universally accessible.
As a result, the demand for home designers to provide private outdoor spaces for every type of home looks set to increase. It will be up to architects to work out how to integrate the outdoors into even the most compact of homes, experimenting with roof gardens, micro backyards, porches and balconies. People may also seek a closer connection between their living spaces and the natural world, with folding glass doors merging these two zones together.
Tech Infrastructure:
Designers anticipate not only an increased need for smart home technology, but also a need for that technology to be touch-less, in order to reduce the spread of microbes.
“Automation will no longer be an indulgence but will help keep people safe,” MacEwen says. “As the memory of the pandemic fades, I do think the ‘best practice’ for hygiene will remain and change the way we interact in the world and what we expect from our home.”
In the end, whatever becomes of the changes to home design as a result of COVID remains to be seen. The question for housing is how might we create spaces that adapt flexibly for how people want to live, and where they can see and touch hygiene in new ways and feel safe as a result.

Ways Smart Home Technology Can Save You Money!

Smart Home Technology
With most of us spending more time in our homes today, you have undoubtedly seen increases in your utility bills, food costs, and more. We are paying more to be entertained at home as well. Smart home technology is now a highly desirable feature to be added to homes and will not only save you money, but will increase your home’s value when you go to sell. Green homes are becoming more and more in demand, especially by Millennials and younger home buyers.
Save on Water & Electricity:
You can save money on your home’s utility bills all year round while also adding comfort, convenience and control.
LED Lighting: 
Replacing your incandescent or florescent bulbs with LEDs can greatly reduce the amount of power your home consumes. “Smart” LED lights cost more but can join your Wi-Fi network for automation and app or voice control.
Wi-Fi Thermostats: 
Smart thermostats let you easily adjust heating and cooling settings from your smartphone, smartwatch or tablet, and many can automatically optimize settings based on when you’re home and when you’re not.
By learning your schedule and detecting the weather, products like Google Nest ($249) or the Ecobee family of smart thermostats (from $169) can save you more than 20 percent on your annual heating and cooling bills.
Smart Switches, Power Strips:
Special switches and power strips also can cut off electricity on demand or via a timer. Belkin has a line of Conserve-branded switches, starting at $10, that shut off power to what’s plugged into it either with the flip of a switch or after a predetermined amount of time.
Conserve brand power strips ($39) can cut off any residual power to a device after a specific time or with a wireless remote switch. Supporting up to eight devices, these power strips include outlets you want on all the time while shutting off other plugs.
Smart Shower Heads: 
Smart shower heads eliminate costly heat-up time and also adjust water flow based on where you are in the shower. Evadrop, for example, says it cuts water use in half .
Smart Sprinkler Systems:
Smart sprinklers are designed to optimize your watering schedule based on local weather conditions. They also detect leaks and monitor water flow to reduce overall costs. Most come with a mobile app that allows you to control your watering efforts on the go.
Energy Monitoring
By installing an energy monitoring system such as Sense, homeowners can identify appliances that are quietly adding to the monthly utility bills. The Sense monitor is installed in electrical panel, connected to Wi-Fi, and viewable in real time via a smartphone app. The device automatically detects items in the home in order to identify vampire loads and see how much they’re costing.
Advanced smart home technology users can take advantage of integrations with Alexa, Google, IFTTT, TP-Link, and Phillips Hue to setup additional energy-saving automation. Sense will help homeowners form better habits, identify problem appliances, and reduce always-on device consumption that may account for up to 20% of energy use.

Things To Do The First Week After You Move

After you move

 

Moving into your new dream house can be a daunting task. Between unpacking, cleaning and trying to find that stray roll of toilet paper, it may feel like you have lost your mind in a sea of bubble wrap. That is why I wanted to share simple things that you should do that first month of living in your new home. These items may feel like back burner tasks but really, they will help you sleep better at night in your new abode and make you feel like your new place is less like a new house and more like your new home.

Change the Locks: Security is the number one concern of most people in a new environment. You can easily switch out your locks and deadbolts to your new home to protect your valuables, your family and of course, yourself. Now is the time to consider the finish and the options are endless! When it comes to exterior locks, make sure you choose something that looks timeless and can be cleaned easily. A new security system is also a good idea. The options for this are endless as well. Systems with online monitoring, iPhone compatibility, thermostat control and even video monitors for the interior as well as your baby nursery are super helpful. Even if the room is empty now, it won’t be in the future – so go ahead and secure it!

Remove Toilet Seats: By removing your toilet seats, you will be able to really deep clean under the bolts and hinges.  After a thorough scrubbing, you can reinstall your existing seat or choose to shop for a new one (new versions with night lights, padding or even child sized attachments are now available!)

Change the Garage Door Code: Similar to the locks, but this is applicable if your garage door has a remote mounted on the outside of the door. It is easy to change the code, simply look up the user manual for your specific opener online. If your home comes with a smart garage door opener, make sure to download the app and get it set up with your phone too.

Replace the Fire Extinguisher: Emergencies happen, knowing that you have a working fire extinguisher if needed is essential.

Change the Smoke Detector Batteries or Units: Avoid the dreaded 3am chirping by changing the batteries when you first move in and mark your calendar for every 6 months to swap them out again. If the house is older than 10 years old, consider replacing the entire unit (possibly a combined carbon monoxide and smoke detector unit).

Change the AC Filter: A five-minute project that can prevent loads of headache down the road. An old filter can make your AC work harder which can lead to it running inefficiently or breaking.

Set up the Thermostat Schedule: Unless you like the exact same temperature and live on the same schedule as the previous owners, you’re going to want to set up the thermostat. Better yet, replace it with smart thermostat and start building out your smart home!

Clean the Dryer Vent: It is unknown when the vent was last cleaned. In order to prevent using the new fire extinguisher, clean out the dryer vent of years of lint!

Find all the Shut-Off Locations: Hopefully you never need to use these in an emergency situation; however, if it does happen, you don’t want to use that time to search for the shutoffs.

Change Your Address: The first address to change is with USPS. This will ensure that anything you miss will get forwarded. I was also able to select a checkbox to update my voter registration at the confirmation screen. Another important address update is on your driver’s license and car registrations.

Make a List of Emergency Numbers: The point of an emergency contact list is that it’s there when you need it. Now that you’re in a new location, you need a new list with local phone numbers and addresses for the police department, nearby hospitals, the fire department, and other emergency services. Don’t wait until you need them in a hurry.

Collect your Moving Receipts: For any home move, it`s a good idea to keep all of your receipts for moving expenses, just in case you`re able to write off your move. If you haven`t done that yet, now`s the time to gather your receipts and documentation and make notes about what each item is for as well as any additional information that may be helpful at tax time.

Meet your Neighbors and Enjoy your New Home!

Emergency Supplies for Quarantine or Hurricane

Emergency Supplies

Emergency Supplies

Emergency Supplies that you can buy now and be prepared for any emergency in the next few months.  COVID-19 cases are increasing and there may be a need for you to self-quarantine for a period of weeks. We are also in the summer months frequently occurring natural disasters—a flood, hurricane, tornado, fires, and more—and they often come with little or no warning.  There are already known shortages of items in the stores and with the onset of a hurricane warming the shelves will soon be bare. Stocking up now on the right non-perishable food items will help you weather the storm (or global pandemic) with less stress knowing that you have these emergency supplies on hand for now or later.

What to Always Keep in Your Pantry

These non-perishable food items (or close to it) have lengthy expiration dates, so you can stash them away for long periods of time, even if it’s not hurricane season or tornado season. Make a list of everything in your stockpile and check expiration dates every 6 to 12 months to keep things fresh. And don’t forget to have a MANUAL can opener on hand at all times—all that food won’t be of any use if you can’t open it.

Peanut butter: A great source of energy, peanut butter is chock-full of healthful fats and protein. Unless the jar indicates otherwise, you don’t have to refrigerate after opening.

Whole-wheat crackers: Crackers are a good replacement for bread and make a fine substitute when making sandwiches.

Nuts and trail mixes; Stock up on these high-energy foods—they’re healthful and convenient for snacking during a hurricane, tornado, or other emergency.

Cereal;Choose multigrain cereals that are individually packaged so they don’t become stale after opening.

Granola bars and power bars;Healthy and filling, these portable snacks usually stay fresh for at least six months.

Dried fruits, such as apricots and raisins;In the absence of fresh fruit, these healthy snacks offer potassium and dietary fiber.

Canned tuna, salmon, chicken, or turkey;Generally lasting at least two years in the pantry, canned meats provide essential protein. Vacuum-packed pouches have a shorter shelf life but will last at least six months.

Canned vegetables, such as green beans, carrots, and peas;When the real deal isn’t an option, canned varieties can provide you with essential nutrients, making these a great hurricane food or natural disaster

Canned soups and chili; Soups and chili can be eaten straight out of the can and provide a variety of nutrients. Look for low-sodium options.

Dry pasta and pasta sauces; It might be a carb-heavy, gluten-full food, but pasta is filling, and dry pasta and jarred sauce can last on pantry shelves for months

Bottled water; You need at least one gallon per person per day. “A normally active person should drink at least a half gallon of water each day,” Andress says. “The other half gallon is for adding to food and washing.”

Sports drinks;The electrolytes and carbohydrates in these drinks will help you rehydrate and replenish fluid when water is scarce. Just make sure your sports drink of choice doesn’t come with too many additives, such as sugar or artificial sweeteners.

Powdered milk or Boxed milk; Almost all dairy products require refrigeration, so stock this substitute for an excellent source of calcium and vitamin D when fresh milk isn’t an option.

Sugar, salt, and pepper;If you have access to a propane or charcoal stove, you may be doing some cooking. A basic supply of seasonings and sweeteners will improve the flavor of your food, both fresh and packaged.

Multivitamins;Supplements will help replace the nutrients you would have consumed on a normal diet.

 

What to Buy Right Before an Emergency

If you’ve been given ample warning that a storm is coming, there’s still time to run to the market and pick up more hurricane food: fresh produce and other items that have shorter shelf lives. Most of these foods will last at least a week after they’ve been purchased and will give you a fresh alternative to all that packaged food..

Apples;Apples last up to three months when stored in a cool, dry area away from more perishable fruits (like bananas), which could cause them to ripen more quickly.

Citrus fruits, such as oranges and grapefruits;Because of their high acid content and sturdy skins, citrus fruits can last for up to two weeks without refrigeration

Avocados;If you buy an unripe, firm avocado, it will last outside the refrigerator for at least a week.

Tomatoes;If you buy them unripe, tomatoes will last several days at room temperature.

Potatoes, sweet potatoes, and yams;If you have access to a working stove, these root vegetables are good keepers and make tasty side dishes. Stored in a cool, dark area, potatoes will last about a month.

Cucumbers and summer squash;These vegetables will last a few days outside of refrigeration and can be eaten raw.

Winter squash:While most are inedible uncooked, winter squashes, such as acorn squash, will keep for a few months. If you’ll be able to cook during the emergency, stockpile a bunch.

Hard, packaged sausages, such as sopressata and pepperoni; You can’t eat canned tuna and chicken forever. Try stocking up on a few packages of dry-cured salamis such as sopressata, a southern Italian specialty available at most grocery stores. Unopened, they will keep for up to six weeks in the pantry.

 

Non-grocery Items:

Within the two-week limit, make sure you have enough toothpaste, floss, face wash, moisturizer, shampoo, conditioner, razors, shaving cream and hand sanitizer with at least 60% alcohol. It’s also good to have extra laundry detergent and hand soap at home. Stock up on face masks, hand sanitizers, toilet paper

 

More Food Advice for an Emergency:

  • If the electricity goes out, how do you know what is and isn’t safe to eat from the refrigerator? If your food has spent more than four hours over 40º Fahrenheit, don’t eat it.
  • If you don’t have electricity, you may still be able to cook or heat your food. If you have outdoor access, a charcoal grill or propane stove is a viable option
  • If your family has special needs—for example, you take medication regularly or you have a small child—remember to stock up on those essential items, too. Keep an extra stash of baby formula and jars of baby food or a backup supply of your medications.
  • If you live in an area at high risk for flooding, consider buying all your pantry items in cans, as they are less likely to be contaminated by flood waters than jars.

 

 

 

How To Clean Reusable Shopping Bags

Shopping Bags
Shopping BagsWe are all being more cautious these days, but it’s always been important to take good care of the bags you use to carry your food.
As we step up our hygiene routines with more frequent hand-washing and cleaning, it’s making us start to question the cleanliness of everything. Yes, including our reusable shopping bags. And while we probably should have been regularly washing our reusable grocery bags all along, it’s certainly not too late to start.
If you’re transporting raw meat, seafood, and vegetables in your reusable shopping bags and have never washed them before, you run the risk of inadvertently cross-contaminating your groceries. Do use the plastic bags provided at the grocery store for produce and meats before placing inside your bags.
Luckily, the solution is easy: just start washing your reusable shopping bags, according to the instructions below. Then, check to make sure you’re following the dos and don’ts of reusable bag storage.
Get in the habit of cleaning your bags after every shopping trip. Here are some tips:
What You’ll Need:
·   Laundry detergent
·   Disinfecting wipes or sprays
·   Cleaning cloths or paper towels
How to wash cotton reusable bags:
The good news is that most reusable cotton and canvas shopping bags are machine-washable, just check the care label to make sure. Remove any inserts and turn bags inside out. (Clean inserts with a disinfecting spray cleaner.) Use the hottest water setting possible, along with detergent.
If you can, toss the bags in the dryer. Note: this may shrink some cotton bags slightly. Alternatively, line-dry the bag in an area with good ventilation to prevent the growth of mold and mildew.
How to wash nylon reusable bags:
1Hand wash the bag in warm, soapy water, making sure to get into the corners and crevices. You can also machine-wash the bag, but be sure to use the gentle cycle.
Line-dry the bag in an area with proper ventilation to prevent the growth of mold.
How to wash recycled plastic bags (polypropylene bags):
You probably have a stash of these exceptionally sturdy bags from Trader Joe’s and the like. Wash them by hand using warm, soapy water, and then line dry them completely before storing them away. You can also dry them with a clean towel to speed up the process.
Alternatively, wipe down the bags with disinfecting wipes and allow them to dry. You may want to turn the bag inside-out to get into the corners and remove any crumbs or grime.
The dos and don’ts of storing reusable shopping bags
·   Don’t store the bags in the trunk of your car. This dark, damp storage spot may encourage bacteria growth.
·   Do designate one specific bag for carrying raw meat. This will help prevent cross-contamination. Then, wash that bag after every use.
·   Don’t store away bags that are damp. Make sure they’re completely dry first.
·   Do a sniff test. Musty-smelling bags are a sign they should be cleaned.
·   Don’t store other items, like gym clothes or sports gear, in bags used for groceries.

How to Keep Your Home Virus-Free

Coronavirus Safety

Coronavirus Safety

For many people, staying safe from the new coronavirus means staying home. But infectious germs can live in your house, too.

Although the CDC has not found evidence of surface-to-person transmission to date (which is good news!), the virus may live on surfaces for hours to days, making regular cleaning and disinfecting a wise practice during this time.

To minimize the risk of getting sick, the Centers for Disease Control and Prevention recommend taking action to disinfect high-touch surfaces, such as countertops, doorknobs, cellphones and toilet flush handles, since some pathogens can live on surfaces for several hours.

Here are some other tips for staying safe at home:

The CDC recommends washing hands vigorously with soap and water for at least 20 seconds. As a backup, use hand sanitizers that are at least 60% alcohol.

The Environmental Protection Agency recently released a list of approved disinfectants to kill coronavirus. For surface cleaning, look for products such as wipes, sprays and concentrates that say “disinfectant” on the label and include an EPA registration number. These are required to meet government specifications for safety and effectiveness.  For a homemade disinfectant, the CDC recommends mixing a quarter-cup of household chlorine bleach with one gallon of cool water.

After disinfecting food-prep surfaces such as cutting boards and countertops, rinse them with water before use.

For laundry, use detergent and bleach (for white loads) or peroxide or color-safe bleach (for colors) to kill germs. (Be sure to read clothing labels to avoid damaging garments.) To boost the effect, some washing machines have sanitize or steam settings that kill germs. Drying laundry on the dryer’s hot cycle for 45 minutes also is effective.

If possible, operate dishwashers on the sanitizing cycle. Machines certified by NSF International, formerly known as the National Sanitation Foundation, must reach a final rinse temperature of 150 degrees and achieve a minimum 99.999% reduction of bacteria when operated on that cycle.

Household air purifiers and filters that advertise the ability to kill or capture viruses can be useful but shouldn’t be a substitute for cleaning. Some purifiers use ultraviolet light, which has been shown to have germicidal effects, but their overall effectiveness can vary depending on their design, according to a 2018 technical summary of residential air cleaners by the EPA. While some filters advertise the ability to capture things like viruses, smoke and common allergens, they don’t necessarily kill microorganisms

Upgrade Hand-Washing Stations

Stock up every sink in the house to make hand-washing easier and more sanitary with:

  • A bottle of liquid hand soap (anti-bacterial soap not needed)
  • Stacks of fresh hand towels and a hamper for dirty towels, or a roll of paper towels and a wastebasket
  • A container of sanitizing wipes for daily cleaning of faucets and counters

Use the Right Products — and Follow Instructions

When it comes to cleaning, regular soap and water is all you need. But for the second step of disinfecting, it’s important to be sure you’re using the right product. Already have rubbing alcohol or bleach in your cupboards? Either one will fight the COVID-19 virus. (A word of caution on using bleach to clean surfaces: It can discolor laminate and may damage the seal on granite and other stone countertops over time.)

  • If surfaces are dirty, remember to clean with soap and water first.
  • To prepare a bleach solution, mix 5 tablespoons (⅓ cup) bleach per gallon of water, or 4 teaspoons bleach per quart of water. Never mix household bleach with ammonia or any other cleaners.
  • If using rubbing alcohol,choose an alcohol solution containing at least 70% alcohol.
  • Check expiration dates. Do not use expired products, as they may not be effective against the COVID-19 virus.
  • Follow label instructions. Clorox has issued specific recommendations for preventing the spread of the COVID-19 virus, including leaving bleach solution on surfaces for five minutes.

Focus on High-Touch Surfaces

Cleaning and sanitizing the entire house would be overwhelming — and probably excessive. Instead, focus on the surfaces that get lots of contact throughout the day. These areas include doorknobs, light switches, tables, remote controls, handles, desks, toilets and sinks. And if you have kids or housemates who play video games, include those video game controllers.

Start a Just-Got-Home Routine

Put your belongings down in one spot, paying attention to what you carried with you throughout the day — likely suspects include your phone, key ring and sunglasses. Wash your hands for 20 seconds, then wipe personal items with an EPA-registered disinfecting wipe and leave to dry. When cleaning electronics, keep liquids away from openings, never submerge devices, and be especially gentle with touchscreens.

Help Kids Follow the Recommendations

If you have kids at home — especially if they’re not so keen on frequent hand-washing — consider one or more of these to make the ritual more fun:

  • Let your child pick out a fragrant hand soap or put hand soap in a colorful container.
  • Tape the verse of a silly song to the mirror so they can sing for the recommended 20 seconds.
  • For younger children, cue up a song to sing along to on your phone.
  • Be sure a sturdy stool is positioned by every sink in the house to make the soap and water accessible.

Do the Laundry, Wash Your Hands

If you have a cloth laundry hamper liner, toss it in the wash when you do the laundry. Wash laundry on the warmest setting your clothes and linens can handle, and avoid shaking dirty laundry, which can spread virus through the air. And when you’re done handling dirty clothes and towels, be sure to wash your hands.

 

Tips for Buying a Fixer-Upper

Fixer-uppers have long had their fans. Some investors love the idea of making major repairs that increase a home’s value and then reselling the property for profit. Others want a low-priced starter home and don’t mind making gradual improvements over time.
Buyers must do their due diligence so that they understand their total investment in the property and the cash requirements; since most repairs cannot be financed. An Exclusive Buyer Agent’s goal is to help buyers avoid making expensive mistakes.
While repair issues, un-permitted work, or liens might not derail a sale on its own, they warrant a call to an expert who can assess the problem, offer solutions or give repair estimates.
Warning Signs Before Purchasing a Fixer-Upper:
  1. Consider the amount of time and the amount of cash you have to address obvious deficiencies with the property.
  2. Does the property smell damp? From mold to warping, moisture can cause considerable damage to homes, even making them uninhabitable. The first clue is that moisture smells. Besides damage to the house, moisture can adversely affect a homeowner or tenant’s health.
  3. Stuck windows and doors. These can also be a sign of moisture or that a house is settling due to age or structural shifting. Both are problematic.
  4. Sloping or sagging floors. Both indicate structural problems beyond just aging. Buyers should find out if framing, joists or sub-flooring need replacement.
  5. Foundation problems. One small crack can be just the beginning of many cracks and can signal that a house could eventually crumble.
  6. Inward grading, poor drainage and short downspouts. Improperly installed or clogged gutters and downspouts all may cause water to enter a house.
  7. Bad roof. An old roof may leak but it’s not always the shingles or tiles that are the culprit. Sometimes, it’s what’s underneath – sheathing, trusses, beams and rafters. The sellers should disclose when the roof was installed.
  8. Outdated wiring and fuses. Because homeowners rely on so much technology today, outdated wiring may, in worst cases, start a fire. Often, dated electric boxes make the home un-insurable.
  9. Outdated plumbing. Toilets that don’t flush properly, sinks and showers that lack adequate pressure or have leaks, and water heaters that don’t provide enough hot water signal a need for attention. Not to mention the condition of the pipes from the home to the street.
  10. Termite damage and wood rot. Buyers may spot blisters in wood flooring, hollow sections of wood, and even the bugs themselves. An exterminator can determine the extent of the damage and estimate repair costs.
  11. High energy bills. This should alert buyers to the cost of cooling the home. Due diligence can tell them whether their Ac handlers, insulation, or doors and windows are inefficient and need to be sealed, repaired or replaced.
  12. Historic home designation and zoning rules. Municipal guidelines may restrict buyers from making certain improvements to their home and property.

What Is Not Covered Under Standard Homeowners Insurance?

Homeowners Insurance Coverage
Until it happens, most homeowners think of disasters as something that won’t happen to them. Disasters can be as minor as a tree branch falling and breaking a few windows, or as concentrated as a pinhole roof leak slowly dripping water into a residence—causing mold or other ripple effects. Sadly, too many people who experience disaster on a large or small scale may find the trauma continues when it’s time to file an insurance claim.
You need to be knowledgeable about what your Homeowner’s Insurance does and does not cover. These common held assumptions about insurance are items that are NOT covered and may require additional insurance or riders.
Wear and Tear Is Covered-Myth
Fact: Coverage typically includes damage from fire, weather and theft, not damage due to general wear and tear or neglect. As a policyholder it’s up to you to maintain your home, including making routine repairs and protecting your home from pests. If you neglect to take care of your property ( a leaky roof) you may not be covered.
You’re Insured in Case of Flood Damage, Earthquakes, Tornadoes and Hurricanes-Myth
Fact: Although some weather-related damage is generally covered, such as from hail, other storm related damage from wind or water may not be.
Floods require specific flood insurance from the Federal Government. Earthquakes might be covered, but sometimes they require additional insurance. Hurricane and tornado damage requires a separate windstorm policy. Sinkholes, mudslides and other earth movement (except in CA) requires a separate endorsement.
All Personal Belongings Are Fully Covered-Myth
Fact: Homeowners insurance typically covers furniture, clothing and other personal items, but more valuable items like jewelry and artwork may require an add-on policy. Homeowners should routinely inventory belongings to determine if policy limits meet their coverage needs.
You Have Protection Against Any Injuries That Happen at Home
-Myth
Fact: Your policy’s liability coverage protects you if a guest is hurt in your home, but if a family member is injured at home, it’s normally covered by health insurance.
Home Businesses Are Part of the Package
-Myth
Fact: A home business requires business insurance to cover property damage and liability; homeowners should consult with their insurance carrier or agent to be sure they’re fully covered from disasters large or small
You Can Rebuild For The Amount Of The Insurance Coverage-Myth
Fact: Unless you insured for “replacement value” you may be under insured to rebuild your home. “Ordinance of Law” exclusions may not cover to the changes to building codes and the additional costs of bringing the property up to code if damaged.
Overflows of back-ups from your sump pump, sewer or drain are covered-Myth
Fact: A standard policy does not include coverage for these issues and require a separate endorsement.
It may not seem like particularly interesting reading material, but it’s better to take the time to thoroughly understand what your insurance policy covers than to be stuck in a situation where you’re not sure when you really need it.

Electrical Safety Tips During the Holidays

Xmas tree lights

Decorating your home is one of the most enjoyable parts of the holiday season. Because electricity is involved with so many holiday decorations, it’s important you follow a few simple tips to keep your home and family safe.

Checking your decorations and electrical equipment for damage is one of the most important things you can do to stay safe this holiday season. Before plugging anything in, inspect electrical outlets to ensure they aren’t loose, damaged, or cracked. You should also look for damage to your decorations themselves, like cracked bulbs and frayed electrical cords, and refrain from using decorations with these problems.

Avoid overloading your electrical outlets. If you’re using incandescent light strings to decorate your home or your tree, never plug more than one of these strings into a single outlet. Also, don’t plug multiple high-wattage decorations into one outlet. Either of these decorating missteps can easily overload the outlet and increase your risk for a house fire.

Buy the right decorations. When you’re shopping for your indoor and outdoor decorations, look for items that have been certified by an independent testing laboratory. This means a decoration has been successfully safety-tested.

Lastly, make sure you unplug your electrical decorations whenever you leave your house and when you go to sleep at night. Many electrical fires occur when homeowners are asleep or out of the home, so taking this extra precaution is an important safety tip.

If you want to enjoy a safe holiday season, follow each of these electrical safety tips. Using electrical decorations responsibly can help protect your family from harm while you also transform your home for the holidays.

10 Questions to Ask Your Contractor

Hiring a Contractor

What questions to ask your contractor in advance of hiring them.  Most homeowners have some concerns when it comes to hiring home improvement professionals. Some are afraid of overpaying, some worry that they’re hiring an unqualified professional, and others wonder about the character of the individuals they’re inviting into their homes. Asking these ten questions can help alleviate all of these concerns.

1. How long have you been in the business or working in the industry?

Look for a credible track record and successful work experience.

2. Are you licensed, insured and bonded?

At the very least, make sure your pro is licensed and carries worker’s comp and liability insurance. Bonding is not a universal requirement. Think of bonding as homeowner insurance that protects you in case of an incomplete job.

3. Do you guarantee your work in writing?

While a verbal guarantee is nice, it offers no guarantees that the contractor will actually stand behind his work. Draft a written guarantee that states exactly what is and isn’t covered.

4. Can you provide references?

Ratings and reviews are a great resource, especially when coupled with references from previous customers. Ask your contractor to provide a list of references. Don’t hire pros who can’t offer references. I would also advise researching the Better Business Bureau to see any complaints that may have been filed against the company.

5. Do you pull all the required permits?

Failing to pull the requited permits can cost you in the long run. Have your contractor pull the necessary paperwork and permits to get your job started. Also require that they deliver copies of all closed permits once the job is completed. If your contractor is hesitant, find a new pro.

6. Who will be managing the project?

If your contractor isn’t in charge of your job, insist on meeting the project manager to ensure he measures up to your standards.

7. What is the project timeline and daily work schedule?

Construction scheduling is never perfect. Workers get sick, orders get delayed and weather causes interruptions. But an organized contractor will provide you with a work schedule that clearly outlines a start and end date.

8. Will you need water or bathroom facilities?

Most contractors are self-sufficient enough to bring their own water. But, unless your job is a major remodel that necessitates bringing in a port-a-john, there’s a good chance your workers will need to use your facilities. Dedicate a bathroom (or bathrooms) to your workers before you start your project.

9. Will you need my garage code or keys to my house? Who will have access?

Many homeowners feel uncomfortable handing over the keys to their home. Unless you plan on staying home during the construction, you’re going to need to give your contractor access to your house. Knowing who has the keys to your home will give you peace of mind.  You may feel confident with your ongoing security if you plan on having your locks rekeyed after the project is completed.

10. Will you sign a contract?

All worthwhile contractors will write out a clear contract that defines the work to be performed, as well as the material, costs and completion timeframes associated with the project. Thorough contracts also cover what happens if the project becomes problematic. This is known as a time and materials contract. The contract should also include a termination clause that spells out the circumstances in which both parties are allowed to terminate the contract.

DO NOT PAY IN FULL UNTIL THE ENTIRE PROJECT IS COMPLETED AND YOU ARE SATISFIED WITH THE WORK.