Flood Insurance Coverage; Do You Have It?

 

If hurricanes Irma and Harvey have taught us anything is the fact that natural disasters can occur quickly, and with disastrous consequences.  Hurricanes in the United States are commonplace, specially in Florida and the coastal regions of the country. 

With the hurricanes or heavy rains, flooding is a natural disaster that can occur to any of us.  Flooding can affect people in  every state, and is one of the most common natural disasters in the country.

As homeowners, we cannot control the occurrence of hurricanes, nor  predict the severity or the financial implications that come along with those disasters, but we can help our homes and our financial stability  by ensuring that we do have flood insurance for our homes.

If you have homeowners insurance, it does not mean you have flood insurance.  Make sure you buy it separately through your home insurance agent, so you know you are protected.

According to the Federal Emergency Management Agency (FEMA) one inch of water in your home can cost you more than $20,000 in damages, why risk not having flood insurance coverage?

For more about this and other topics, follow the links below.


What Flood Insurance Does and Does Not Cover

Hurricanes Irma and Harvey puts renewed attention on the policies. Here’s what you need to know.

The devastation from Hurricane Irma is far from over, but property owners in Florida—as well as those who faced Hurricane Harvey in Texas and Louisiana—are already facing the daunting task of rebuilding.

Beyond the human tragedy, the widespread flood damage caused by the storm serves as an important reminder to homeowners in the region—and around the country—about what is covered by insurance and what you need to know about protecting yourself.

As most property owners know, homeowners insurance doesn’t cover flood damage. But even in Florida, Texas and Louisiana—where many people live in coastal areas—only about 20 percent have flood insurance, according to a study by the Washington Post.


About 80% of Hurricane Harvey victims do not have flood insurance, face big bills

NEW YORK – Homeowners suffering flood damage from Harvey are more likely to be on the hook for losses than victims of prior storms — a potentially crushing blow to personal finances and neighborhoods along the Gulf Coast.

Insurance experts say only a small fraction of homeowners in Harvey’s path of destruction have flood insurance. That means families with flooded basements, soaked furniture and water-damaged walls will have to dig deep into their pockets or take on more debt to fix up their homes. Some may be forced to sell, if they can, and leave their communities.

All these people taken out in boats, they have a second problem: They have no insurance,” said Robert Hunter, director of insurance at the Consumer Federation of America.


What You Need To Know Before Buying A Home

Buying or selling a home? There are different reasons why people buy or sell homes.  If this is your first home, buying one seems like establishing ownership and perhaps equity in a home.  If this is not your first home, maybe upgrading to a bigger one seems like the thing to do.  Regardless of the reasons why you are thinking of buying a home, there are many pitfalls you have to be aware of before you commit the though to the actuality. 

Even if a home inspection is done, it does not mean you won’t encounter issues with the home you are buying.  Home issues that are undisclosed by the seller can be fought over in a court of law, but it is better to be prepared before you get to that point.

For more about this and other topics, follow the links below.


How to determine if you have a case against a home seller over an inaccurate disclosure form

I have a question about disclosure. My sellers gave me a disclosure statement that said there were no defects in the home. After we moved in and took down some drywall we found big cracks in the basement foundation. We also found major dry rot.

We called our buyer’s agent and she went to the seller’s agent. Apparently, they gave us the wrong disclosure statement. The old disclosure statement in the file mentioned the cracks. We didn’t get any of that. Should the listing agent pay for repairs?

When we usually get these questions, there is lots of smoke but no smoking gun. In this case, it seems you just found one. A seller is supposed to be truthful when answering the disclosure statement for the buyer. The buyer is entitled to rely on that disclosure statement in buying a home. And, if a seller lies, the buyer is entitled to go after the seller for damages sustained because of an omission in the disclosure statement given to the buyer.


First-Time Homeowner Mistakes

When you own a home, repairs and improvements are inevitable, but keep in mind not every job is DIY. Before you head to the home improvement store, check out these common first-time homeowner mistakes.

Using Bleach for Everything

Bleach is a heavily corrosive material that can eat through sealant on stone surfaces like granite. It can discolor laminate and colored grout, fade enamel and acrylic tubs, and corrode seals within your disposal. It is the often the “go-to” for removing mold, and while it may be successful in some areas, it can actually feed mold growth on absorbent and porous materials, such as grout.

Good ole’ water and vinegar are really all you need for most household cleaning jobs. However, heftier mold or mildew issues, may require a commercial anti-fungal product.

Improper Caulking

Caulking seems like an easy enough job, but there are a million different products out there and choosing the right caulk is critical. The final choice depends on the project. Is it interior or exterior? Does it involve concrete, gutters, roof, moulding, windows, plumbing, etc.?


Yes, You Can Sell a Fixer-Upper As Is, but Should You?

So your home has foundation problems and you just got an estimate for fixing it. Ouch! Or maybe a leak in your roof has led to the discovery that the entire thing needs to be replaced. Or termites have been eating their way through the wood frame of your home, and you’re just now catching on. Whatever the calamity, you always have the option of selling your home even if it needs major repairs. But does it make more sense to sell your house  as is, or put big bucks toward a renovation?

Selling a fixer-upper—even without fixing the major issues

The good news is you can, in fact, sell a fixer-upper. (Let’s not forget where Chip and Joanna Gaines get those dumps to renovate on HGTV’s “Fixer Upper”!) Deciding to sell a home with foundation problems, for example, depends on your financial situation, your equity in the property, and the potential sale price for it, says David Long, a real estate agent with Ebby Halliday Realtors in Plano, TX.


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Home Improvements For The Fall

There are many home issues to keep mind when buying or remodeling  a home.  The biggest home tickets are the roof, a foundation stabilization problem, basement waterproofing and the installation of an Air condition and heating system.

A roof in need of repairs can be visible from the outside.  Loose shingles or other issues like water getting into some parts of your home are visible to you and do not need a home inspector to tell you that.  A new roof is an expensive project for the homeowner, but one that cannot be postponed.

For the foundation of your home, there are two types of foundation problems: cracks that are visible to you and can become a bigger issue if ignored.  And the  displacement from unstable soil, faulty construction, old concrete , tree roots that are too close to the foundation, or the foundation has been exposed to too much water through out the years and has deteriorated over time.  Some of the early signs that you have a problem with the stability of your home are: Uneven flooring, cracked tiles or windows, and windows and doors not closing properly.

Like the roof, a foundation repair can be costly.  And if you had problems with the foundation and ignored the issues, the problems likely got worse, and so will the price.  The roof and the foundation are issues that if ignored can be costly later on.  The damage will be more and the work and material needed to solve those issues are going to cost you more.

The air conditioning and heating system is an expensive addition  to any home, but the financing is almost always available through the same companies that offer you the system.  Nowadays, the refinancing for a heating and cooling systems is about three years.  After that, you only need to maintain the upkeep of the system. With a new system, it is only a yearly checkup for the AC and the furnace in the home .

You can follow the link below to read more about home repairs.


Home Improvement May Be More Affordable Than You Expect: 3 True Stories

Would you love to upgrade or repair your home? Is there a home improvement project you’ve had simmering on the back burner for ages … but never got around to because you assumed you couldn’t afford it? Well, think again. Home repair and upgrade may be more affordable than you thought. You just need to be a little flexible, do your homework, and find a contractor who’s right for you. Read 3 true stories of homeowners who discovered that high-quality home improvement didn’t have to bust their budget.

WE GOT THE “NEW DECK” LOOK WE WANTED AT A PRICE WE COULD AFFORD

When we bought our home a year ago, we really wanted to rip out the ugly old deck (which was splintered, with loose boards and peeling paint) and do brick pavers instead. However, we couldn’t afford everything on our “to-do” home repair list all at once.


 

Home Care Tips and Solutions

The home improvement industry is expected to surpass the $300 billion mark by 2017 according to research done by Harvard University.  The many projects done by homeowners and the expenditures they are willing to spend   doing those projects increases every year.  A leaky roof is a necessity for some of these homeowners, but the projects more likely to be done are kitchen and bathroom renovations that they have wanted to do for many years. Are you thinking about doing a home project on your own?  Read the advice some experts give us by following the links below.


13 Ridiculous Home Improvement Fails That Will Make You Cringe

Everyone loves saving money, but not all DIY projects are a savings in the end, as these homeowners found out the hard way.

Renovations are stressful, especially when you have to re-do DIY projects because of mistakes. In the rooftop vent photo, the owner had expanded and remodeled their kitchen, removing an old wood stove Their mistake, according to explains Brian Fish, owner of WIN Home Inspection Mount Vernon, who had to fix the mess: “They opted to run the new exhaust for the range up through the existing vent cap from the wood stove and then attach it to the box vent and screw it to the old stove vent cap. Needless to say the new range vent was not secure or properly installed and so it was prone to leaks.” These are the secrets contractors wish all first-time homeowners knew.


Rightway Waterproofing Helps Homeowners Prepare for Change in Seasons

Philadelphia, PA — (SBWIRE) — 08/15/2017 — Rightway Waterproofing Co., the leading mold removal company in New Jersey, Pennsylvania and Delaware, wants everyone to make sure their house, specifically the basement and cellar, are ready for the change in seasons that is quickly approaching.

“Although it is still August, heavy rain during August and September and snow right around the corner can still cause water damage to the lower areas of the house that you may not think is possible until winter hits,” said Al Grabov of Rightway Waterproofing Co. “Flood damage can happen anytime with no warning whatsoever. The common thought that winter is the only time for flooding can be very problematic to homeowners.”

For over 25 years, Grabov and his crew of professional technicians have been the leading mold contractors in the area. They specialize in eliminating unwanted moisture, black mold, mildew and fungus. Rightway Waterproofing Co. goes above and beyond to eliminate any water damage, as well as prevent any further water damage from occurring.


Top tips to protect your home against termites

MOST people are unaware that termites cause more damage to structures compared to all calamities combined. The Philippines is a country where termite infestation is common everywhere. Termites are those nasty critters that feed on cellulose materials such as paper and wood.

“I-Solignum mo”

For many of us, wood preservative means Solignum. Solignum is recognized as a superbrand and has been in the Philippine market for over 50 years. It has been proven in protecting against termites, wood borers and fungi. Solignum has become a household name; thus we hear people say, “I-Solignum mo” when faced with a termite problem.

To complement Solignum, it is likewise important to apply a soil termiticide such as Soilguard. Termites come from the soil, and so it is a must to create a “barrier” to prevent termites from entering your home. Termites that come in contact with soil treated with Soilguard are killed through contact, ingestion or inhalation of the active ingredient; thereby providing protection from the entry of termites.




 

Basement Waterproofing and Foundation Repair

According to the Ohio Committee for Severe Weather Awareness, peak tornado season for the state of Ohio is officially between the months of  April and July. It does not mean however that tornados won’t happen at any other time. In 2016, there were 24 tornados in Ohio and the severity of each was different. According to the Ohio weather safety page, the basement of your home is the safest place to be in case of a tornado warning. 

Extreme downpours or a few inches of rain can easily tell you whether you have a dry basement or not.  If there is a problem with the drainage of your home, the few inches of rain can find a way to the basement  and make the basement unlivable.

Finding a safe, comfortable place in case of a tornado warning becomes a bit unlikely if the basement has issues.  But, that is not the right reason to find a waterproofing company. If you have water in the basement of your home, the structural integrity of the home becomes an issue, and a huge liability if you ignore the problem.

There are many problems associated with a wet basement:

  • Structural damage to the home
  • Damage to the walls, floors and belongings stored in the basement
  • Respiratory Issues
  • unlivable wasted space
  • Mold and mildew
  • humidity that can affect the air quality of your home

Finding the right waterproofing company to take care of your basement issues is not difficult.  At Pioneer Basement Solutions, we have a long history in the community with great customer satisfaction.  We let our work and customers speak for our workmanship and professionalism. If you want to tackle the basement problem, contact us, we will be happy to work with you.


Basement Waterproofing and Sump Pumps

Sump pumps are a necessity every household should have.  Flooding occurs in the basement of our homes when rain, snow or faulty pipes break, and we have a water problem we need to fix right away.

Many homes have sump pups already installed in the basement of our homes, the problem is that we don’t really know whether they are in working order or not.  The buying of a sump pump can be as inexpensive as you want it, or you can pay a nice price for a battery-powered sump pump that can cost you close to $500. There are many sump pumps that offer nice warranties when you buy them, and considering the time and expense you need to spend if you have a flooded basement, the price is really not something to frown upon.

For more about this and other topics, follow the links below.


 

How to prevent basement flooding

That’s doable with a reliable sump pump and backup system, or after a relatively inexpensive fix for cracked foundations, says Roy Spencer, founder and president of Downers Grove-based Perma-Seal.

“My feeling is that all basements should be dry all the time, no matter how much it rains. But in order to do that, you have to do certain things,” Spencer said. “The sump pump is critical, so it needs to be reliable and it needs to be powerful enough. A reliable sump pump is critical. It’s the heart and soul of any waterproofing system.”

If you’re getting seepage, small puddles caused by water running in through cracks in the foundation, Spencer says that is also an “easy fix” that could cost between $400 and $800, depending on the size of the crack to be sealed and how much work has to be done to find it.

For instance, unfinished basements, he said, are typically easier to repair than finished basements with walls and carpeted floors.

Ultimately, Spencer said it’s important to know what caused your flooding.


What You Need to Know Before Buying a Sump Pump

Have a serious flooding problem at home? A sump pump could help. Find out whether one is right for you—and what to consider when buying one.

If you’ve ever wondered, “What is a sump pump?” then you’re lucky, because you probably don’t need one. But for the unlucky owners of wet basements, here’s the scoop: A sump pump sits in the basement, either beneath (in the case of a submersible pump) or above the floor. It pumps out water that collects in the sump basin, discharging it to the outdoors.

You’ll never have to buy one if you purchase a house that never floods. And even if you do buy a house with a water problem, there may be several ways to correct it before resorting to a sump pump and pit. Should you decide to invest in one, put your money toward a model that is high-quality and well-reviewed—in fact, it may make sense to buy two or three!


7 Causes of Sump Pump Failure and What to Do

With all of this rain the past few days, the last thing you need is your sump pump to fail on you. It’s already happened to several homeowners in the area, and fortunately my company has been able to help those people out.

But prevention is always better than reaction.  This article will hopefully shed some insight on how to prevent your sump pump failing on you when you need it most.

If you have a basement in Indiana, then you know all about sump pumps. The problem is that these things fail all the time. While it’s not to say that we have a fool-proof method for preventing 100% of failures, there are certainly some tips you can follow to better your chances of a properly working sump pump


 

Basement Waterproofing and Foundation Repair Specialists

Basement waterproofing is a necessity for many homeowners in northeast Ohio.  Rains and snow are a constant source of humidity and water leakage for many homes, and the repercussions are many as well.

There are many problems associated with water leakage into the basement of your home, and all of them carry many issues you have to be aware of before you decide to ignore them.

Structural damage

The structure of your home can be damaged due to the water seeping from the outside.  The walls of the foundation and the integrity of the whole structure can be damaged due to water.

Mold and Mildew

Mold can damage your carpets, walls,  ceiling tiles and your health. The repercussions of mold can be financially hard, and can be very damaging to your health.  Keeping a dry basement is not only smart for your wallet, but it ensures a healthy living. Respiratory problems, skin irritation, sore throat and cough are some of the most common health problems associated with mold. Taking the problem seriously can ensure the health of you and your family.

Foundation Problems

If you have water sitting in the basement of your home and see those scary minor cracks in your foundation, it is very easy to ignore them.  After all, you say, it is not much water and the cracks are not that big.  Even if that is the case, those small cracks can become very big inconveniences for you later on. Financially, those small cracks in the foundation can become big structural damages that can cost you much more than those initial small cracks.

Air Quality

If you have children at home, you know the necessity of having clean air.  But, if you have children at home with respiratory problems, then air quality becomes too important to ignore.  Humidity and leakage in the basement can produce mold that is detrimental to the health of anyone, but especially children with respiratory issues.

If you have humidity or leakage issues at home, contact us.  We would love to help you.  We have a long history in the Northeast Ohio region with excellent customer service. We let our work speak for itself.


Home Inspection: What to Expect and What to Look for Before You Sign

Everyone I know is a bit skeptical when it comes down  to signing documents for home contractors, inspectors, insurance agents , etc. One of the reasons is that everyone is a bit afraid to sign.  Unless you know the contractor or home inspector, chances are you are dealing with a stranger you know nothing about.  You don’t know if they are trustworthy or competent, or whether they belong to an association where they have to follow a code of ethics. 

Asking some basic questions before you sign a contract can truly save you a lot of headaches later on.  You are the paying customer, ask them questions to make sure everyone is satisfied before the work begins.

For more about home inspectors, follow the links below.


Top home inspection deal breakers

A home inspection can be stressful for both parties. Almost every inspection comes back with at least some sort of repair and, most often, those problems are minor and easy enough to negotiate. However, there are some deal breakers that can cause buyers to run for the hills.

Mold

Erin Craft, home inspector with Destination Bay Home Inspections, says this is one of the biggest problems that can potentially kill a deal.

“We see this issue in attics, basements, or crawl spaces,” he said. “There is a lot of fear when it comes to mold, and we’ve had buyers stop us right in the middle of the inspection and say they are walking away. They see it as a huge risk, both to their health and their wallet.”

However, Craft says before ditching the deal, consider doing a bit more investigating, especially if it’s a home you really love.


Make sure you understand terms of service before paying a home inspector

I was buying a house and hired a home inspector. We went through the whole inspection, and I even paid him his fee. Then he gave me a form that indicated that he would not give me the written report unless I signed a document.

The document stated that I agreed that I could only get back the $400 I paid him in case there was a problem with the inspection or his report, or I could pay him an extra $1,500 and the cap would be eliminated. Don’t you think that he should have told me this before I hired him? He’s a member of ASHI.

We think it is highly questionable that a home inspector would spring those terms on you so late in the game. ASHI stands for the American Society of Home Inspectors, and they have a code of ethics. Among their code is a requirement for the home inspector to “act in good faith toward each client” and that ASHI inspectors should “avoid activities that harm the public, discredit themselves or reduce public confidence in the profession.”


Dear Monty: Agent tells home seller not to attend home

Q: We accepted an offer on our home. The contract is subject to a satisfactory home inspection. Our agent called to set up a time for the inspection and asked us to vacate the house. My thinking is that if there is some discovery made during the investigation that both parties observing will aid in understanding the issue. Do you agree with her suggestion?

A: Most of the states that regulate inspectors are seeking inspections that reveal “significant” material defects that negatively affect the value of the property or create a concern for safety that is not apparent at the times the buyer viewed the home. The customer can overlook the fact this is a pre-owned home. They sometimes compare a pre-owned home inspection with the “certified” used car. Most every home has a wart somewhere, which is the buyer’s responsibility unless the seller agreed to remove the wart as part of the contract. Education of all participants, which requires investing time, is a key to ensuring a home inspection goes smoothly.


 

Does Your Home or Business Need Waterproofing Services?

Basement waterproofing and foundation repair are not only for your home.  If you are a business owner and own your business building, the basement of the building is your responsibility.  Water seepage is a problem many homeowners and business owners face when dealing with their basement.  And although it is very easy to ignore puddles of water on the floor in the basement of your home, that is not a very wise decision.  Structural damages can occur to the home or business building due to the water finding a way into the basement.

If you have inspected the basement and are still unsure as to where the water is coming from, contact us.  We are happy to talk to you and find a solution to the problem.  No hassles, just call.


BASEMENT WATERPROOFING FOR BUSINESSES: MAKING AN INVESTMENT IN YOUR FOUNDATION AND YOUR FUTURE, TOO

If you own or operate a business, there’s a good chance that you’ve tried to think of every conceivable thing you can to protect that business so it can grow and make more money each year. You’ve thought of all the marketing and budgeting concerns, you know how to attract customers and hire the best employees… but did you think about protecting the building itself?

If your business has a basement that you are responsible for then you should really consider making sure that it’s waterproofed. Water damage can cost a lot of money and may even force you to move if it’s not taken care of quickly. Here are a few reasons you should want to waterproof your business’s basement to protect your future.

Possible Structural Problems

The basement is the foundation of the building: if the basement floor or walls start to suffer, then there’s a good chance that the problems will spread to the rest of the building.

If you live in an area surrounded by moist soil, there’s a good possibility that water will seep into your basement. This can cause wooden beams to swell and crack and can also cause the concrete flooring to crack.


Prevent wet cellar walls and flooded lawns

Q. During heavy rainfall I get water coming into the basement where the concrete floor meets the walls. Also, the concrete in the walls appears to have some flaking. What are my best options to fix this?

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A. Water in your basement can come from a lot of places. Many times it is due to a lack of gutters, improper ground sloping, clogged perimeter pipes, or hydrostatic pressure.

The first thing to check is the grading around the house and the gutters. Ensure that your gutters are not clogged and that they are draining well away from your foundation walls; 10 feet is my preference. Most folks I know do not like downspouts extending out far. If there is pavement in this area, make sure it slopes away. Correct it if it does not.


Choosing the proper foundation for new home construction

Foundations are a significant part of your new home construction budget. Understanding the advantages and disadvantages to different building methods can help you select the best option for your budget and lifestyle. Whatever type of foundation you choose, you will want to make sure it is properly built to avoid costly repairs down the line.

Full Basement – The most common type of foundation is the traditional full basement with 8 to 10 foot walls poured on top of concrete footings. Due to the volume of concrete required, this is the most expensive type of foundation to build.

With full basements, footings and slab are located 4 to 5 feet underground providing sufficient protection against freeze-thaw damage. Underground walls also allow for some natural climate control. A well-insulated basement will be cheaper to heat in the winter than a second story and will be cooler in the summer if you want to escape the heat.


Inspecting Your Home For Damages

After a nice holiday break, how about making a through inspection of your home?  Many of the issues we have at home can be remedied right away with a through inspection of its surroundings. Water sitting around the foundation of your home because the drainage system in your home is faulty, can be remedied by cleaning the gutters, replacing them or fixing them if damaged, and making sure the water drains away from the foundation of your home.

Tree branches that are too long are okay if there is not wind during a storm, but you do not want them damaging windows, roof or siding during a storm.  Trimming all bushes that are growing too big around the foundation should be taken care of as well.

For more about this topic, follow the links below.


Waterproofing Basements

Learn how to spot a water problem in your basement, and get tips on how to resolve the issue before it causes serious damage to your home.
“Wet basement” is a phrase that strikes fear into the hearts of most homeowners. More than half of U.S. homes have this problem, according to the American Society of Home Inspectors. The most typical causes are condensation, runoff and groundwater swelling. Solutions depend on the cause of the problem and can range from using a dehumidifier to installing a perimeter drain system. If you notice dampness and a musty odor when you enter your basement, you may be experiencing the first signs and should make it a priority to combat the water before more serious damage occurs to your home.

Considerations

  • Never ignore a persistent musty smell.
  • Find out the cause of a wet basement before beginning any modifications to your home.
  • Seek professional advice before attempting to combat a groundwater swelling problem.

5 tips to keep your home safe from nature’s tricks

All it takes is one storm to cause damage to your home. You need to make certain your house is prepared to withstand rain, wind and other possible damage.

The following are five suggestions to keep your home safe from natural damages. These are simple tips to get your house on the path to safety.

  1. Keep surrounding trees healthy

Unfortunately, the same trees that give you shade during a sunny day can give you damage on a stormy one. Make sure your trees are healthy and appropriately pruned. You may want to consider removing the tree if it is dead or too close to the house without a good root system.

A little maintenance and upkeep now may save you from a tree or branch falling on your home later.

Remember to always be careful when trimming your trees. Better Homes and Gardens points out, “Trimming branches that threaten power lines avoids serious problems, but leave this task to the pros. Large dead or dangling branches should be removed, as well as branches that could interfere with vehicles or lawn mowers. Branches that contact the house on windy days should be cut before they cause damage.”


House Works: Drying basements with dimpled membrane and wet wood with fans

Dimpled Drainage Membrane Really Works

Q: Is dimpled drainage membrane worth putting around a basement wall? We’re installing weeping tiles this year to make a wet basement dry, but the contractor doesn’t want to use dimpled membrane. He says they only use it in southern areas because they put sand around basements. He wants to use gravel only. Does this make sense?

A: The short answer is “no”, this advice doesn’t make sense. It always amazes me how some contractors can latch onto ideas that have no merit in reality. They’ll usually say something like “I’ve been doing it this way for 25 years and never had a problem,” even though it’s difficult or impossible to thoroughly check previous jobs. The fact is, dimpled drainage membrane offers a huge advantage for keeping basements dry no matter where a person builds. I’ve seen it cure wet basements everywhere.