Basement Waterproofing and Financing

Storms affecting the Northeast part of the United States are not over, and with the warm weather just around the corner, rain accumulation for many homeowners is not something they are looking forward to experience.

Basement waterproofing companies are busy during this time of year because this is the time when water accumulates around the foundation and find its way to the basement and the walls of your home.

What are some of the signs that you need to see to call a professional instead of procrastinating?

  • Wet spots on the walls,
  • Cracks or shifting
  • Have water sitting on the floor of your basement

If you have problems with any of these issues happening in your home, it is time to call a waterproofing company to inspect it.There are many “quick” solutions you can try before making that call, but eventually, you will need to call a professional to inspect the home.

Are you afraid you cannot afford the basement waterproofing your home needs?

If you do your homework and call at least three trustworthy companies, and compare prices, you will learn that basement waterproofing is not as expensive as you might think.  Some of these companies will provide companies where you can get the financing available, or you can always talk to your personal bank representative to see if their loan offer is better for you than going with the banks the basement waterproofing guys provided.

What loans can you get?

  • A Home Equity Line of Credit is a good choice for you if you have a first mortgage with the bank already.  This kind of loan lets you pay it back at your own pace as long as you pay the minimum payment on time.  You can get a good interest rate for this kind of loan if you shop around.
  • Home Equity Loan lets you borrow a fixed amount with a fixed payment over a period of years.  It can be a 15 or 30 year home equity loan if that is what you wish.  Take into consideration the interest you will be paying over that amount of time, if the interest rate is too high, shop around.
  • Credit Card charges to pay for home remodeling or home repairs is something that we personally do not recommend.  Many people pay for the remodel or materials with credit cards because they want to acquire “points”, but at the end of the day, that is not a solution we recommend.

Whatever route you want to take, talking to the basement waterproofing company for solutions to your basement problem and then for financing available it is the recommended route many homeowners take.  Do your homework first, and you will see great results.

When To Hire A Professional For Your Home Projects

According to a Consumer Report’s article, “Americans will spend about $200 billion dollars this year fixing up their homes—nearly a fifth in the form of DIY projects.”  Many homeowners are handy, but a great deal of them only believe they are handy.  There are many home projects that it’s better to have a professional do them.  There is a huge difference between wanting to do the project and actually making it look good or professionally made.  Not everything in your home needs to be done by you, the homeowner, especially if you are thinking about selling the home.

Top 3 home projects that pay to have a professional do them:

  1. Roof – This is a big project that needs many hands and experience to accomplish. And depending on the shape of your home, it can be dangerous for you to do without help, or without the necessary protection.
  2. Basement Waterproofing and Foundation repair – These are projects where a professional it’s not only recommended but need it.
  3. Kitchen and Bathroom remodeling –  The experience and quality of hiring a contractor or company to do these projects for you cannot be emphasized enough.

When deciding to hire a contractor for your basement waterproofing and foundation repair problems, roofing or kitchen remodeling, what are some of the qualifications you have to consider before making a decision?

  1. Experience – An experienced basement waterproofing contractor or foundation repair company has seen many of the problems affecting wet basements and faulty or damaged foundations.  If they have not seen the problem affecting your basement, the experience and knowledge they possess will help them find and fix your problem.
  2. Reputation – A new company has not had the longevity to have an old list of satisfied customers, but if they have been in business for any number of years, they have a history and it is your responsibility to find out whether it’s a good or a bad one.
  3. Insured Contractor – Having workers on your property without insurance is asking for trouble.  If a contractor is not insured, have no permits, or is just “winging it”, he or they should not even be on your radar as prospective companies to hire.
  4. Price – Having at least three different quotes from contractors is a good place to start if you want to compare prices.  Do not sign a contract with the first prospect.  Wait for at least two more prices to compare and then make an informed decision.

There are many home projects you can do without the help of professionals, but the major home projects you might want to do may require the help of experienced professionals in your area.

Tips For Homeowners and Potential Home Buyers

For many families in the United States, paying the mortgage on their home is already a tremendous effort. Research has shown that more than half of Americans bought too much house, to begin with, but also the interest rates, taxes, and the house upkeep was not taken into consideration by many of these first-time buyers when applying for a mortgage loan.  Now, when the payments and property taxes are becoming too much, many homeowners realized they bought a house they cannot afford.

If you are buying your first home this year, these are 3 the things to consider:

  1. Don’t buy too much house – The purchase price is not the only thing to consider when you are buying a home.  Consider the bank rate, closing costs, property taxes, homeowner association fees, and the upkeep of the home.
  2. Consider your other debts – If you have student loans or credit card debt, these debts can put a considerable dent in the income you bring home.  Don’t forget to take into consideration the payment you will be made to pay these loans.
  3. Do you have children? – If you have no children but are considering having them, taking into account the expense children bring into the home can be very helpful in deciding whether you can afford the home you are considering buying or not.

If you are a homeowner now and want to make sure things are in order, these are some of the things many homeowners fail to do.

  1. Draft a will – According to research, 60% of Americans do not have a will.  A will is not only for the people that are sick or old, a will is a document that protects your children and their well being.  In case of a tragedy happening in your home, you want to make sure your children and your assets are protected.
  2. Health Care Power of Attorney – This important document is a document protecting your well being while you are alive.
  3. Homeowners Insurance – After buying a home why not protect it? Homeowner’s insurance is a necessity that you should never be without.  A home is one of the most expensive assets a family will ever own, why not protect your investment?

Now that you have owned your home for several years, have you kept up with the home maintenance? Are you thinking about selling?  According to many experts, to add value to your home or even if you  are ready to sell the home, you need to consider this:

  1. Declutter and clean your home – A home loses its beauty if it’s overflowing with junk.  Painting the walls if the rooms need it, or throwing away items that are no longer used nor wanted can clear a home pretty quickly.
  2. Staging your home- There are businesses that their entire income comes from the clever notion of staging the home to have it ready to sell for you.  You do not need to do this if it will cut into your profit, but having a home staged it’s a clever notion that you can do by yourself.
  3. Curb Appeal- If the front of your home is not clean, the bushes are overgrown, the flower beds are full of dead flowers, chances are your home won’t be appealing to many home buyers and the price they may offer won’t be what you are expecting.

These are some of the advice you need to consider if you have children, are a homeowner, or thinking about buying a home.  Due diligence pays and it can save you lots of headaches later on. Enjoy your home!


New Year’s Resolution: Home Improvements!

One the many New Year’s resolutions many Americans make every year is the decision to do a home project or two around their homes.  It is a good incentive and it seems more practical than other resolutions we make. 

If you have decided to do a home project and need the help of a professional, hiring a contractor may the next step for you to follow through.  If that is the case and you are ready to move forward remember this:

The state of Ohio requires licenses and permits for many sellers and other contractors in the state.

If you are ready to hire a contractor to do some work in your home, a license and permit are required if you want the work, and your home protected.

These are several businesses that require a license  and permit to do business in the state of Ohio:

  1.    Electric Contractors/Installers
  2.    Plumbers
  3.    HVAC Contractors
  4.    Real Estate Agents & Appraisers
  5.    Boiler Operators

These permits and licenses are required to perform the work and they ensure that the consumer is protected from predatory and shady contractors.  These contractors have to undergo a series of testing, criminal background checks, fingerprinting and even some financial bonding requirements.  Hiring a contractor should not be a deterrent to postpone a serious problem you have in your home. There are many contractors in the state of Ohio that have excellent customer satisfaction records and a long history in their communities.

Some of the serious problems that you may encounter when doing home projects can include:

  1. Foundation problems
  2. Basement waterproofing issues
  3. Roof issues
  4. Electrical problems
  5. Sewer problems

These issues can become a major financial problem if you ignore them, and for the majority of us, they require the help of a professional.  From a small issue that can be easily repaired, these home issues can become big problems pretty quickly.

Other home issues that people don’t tend to take seriously are the gutters and the drainage system in their home.  If you want the rain and snowmelt to drain away from the foundation of your home, you need to have gutters and the drainage pipes to take the water at least ten feet from the foundation, otherwise you will have water sitting around the foundation of your home that will eventually find its way to the walls and basement of your home.

If you are ready, and before hiring a contractor, check your local BBB website to find the rating of some of these businesses.  Check customer satisfaction reviews and complaints about the business, and call at least three different contractors before you make a decision.

Have a spectacular and a great home improvement year!

Safety Advice For This Holiday Season

During this holiday season, it is expected that family members will visit and some of them will stay overnight or perhaps spend some days with the family.  Rooms are needed and the habitable space available becomes a bit too crowded. Many family home projects are done during this season to freshen up your home or to provide room needed for those out of town families.  If you are thinking along those lines, and you need extra space to shelter the relatives, waterproofing your basement before starting a basement remodeling project is one of the projects that will increase the value of your home while providing a cleaner, better living place for you.

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

Don’t Let Clogged Drains Ruin Your Winter

In the especially brutal winters that Toronto is sometimes host to, it is especially crucial that homeowners keep the drains clean, clear, and well maintained by a professional drain cleaning service. When pipes are clogged in freezing weather, not only does the water freeze within the pipes, so does whatever is causing the clog, which can be an especially annoying and costly mess during the winter months. Contrary to what many people may believe, even minor clogged drains can cause serious problems to the plumbing system, which is why it is very important that homeowners enlist the help of a professional plumber before the problem worsens, so the problem be fixed as quickly as possible.

Along with the obvious mechanical problems that can arise when plumbing issues are not taken care of promptly, there is the problem of gray water, a nuisance not often though about. Gray water is filled with harmful bacteria, which pose a great health hazard if the water backs up and drains out onto the floor or into the sinks. If you’re like most households and plan to host a few people for dinner of a gathering over the winter, it’s imperative you keep the number of emergency drain cleaning services handy, just in case something goes horribly awry.

Guidelines for a warm, safe home during the holidays


As the holiday season fast approaches, cooler weather can create potential hazards in your home.

While warm days are still a possibility, as the end of the year comes up, the weather will soon shift to cooler temperatures

The Amarillo Fire Department has released a list of actions one can do to keep your home warm and safe.

Following these actions can prevent accidents in your home or on your property:

  • Always keep a safety zone around heating equipment
  • Keep children and pets supervised
  • Never leave any form of cooking unattended
  • Secure all vacant or outbuildings on property
  • Be sure to check smoke and carbon monoxide detectors

Space heaters and other warming devices are an effective way to heat your home while saving money. However, those devices can also create an extreme fire hazard.

Keeping Your Furnace Working Properly This Winter

The cold weather has taken its time lately, but it seems that is finally here to stay. As homeowners, we need to make sure the furnace is working properly and is ready to last through the winter.  A furnace, according to experts has a life expectancy of 18-20 years.  For you to get the most out of your furnace, a yearly checkup by professionals is recommended, and changing the filters regularly ensures clean air is circulating in your home.

Waiting to see snow on the ground to call the heating and cooling professionals may not be the best move for you.  If your furnace is old or is having “issues,” you need to be proactive and call a professional.  Waiting till the furnace stops working for you to call, may cost you more in the long run.

By changing the filters in your furnace regularly, you ensure your furnace will have a long life.  Another reason to change the filters regularly ensures the allergens that could be blowing through the vents won’t affect the people in your home that suffer from allergies or other respiratory health problems. There are a wide variety of filters to choose from.  30-day filters are available at your local Home Depot, Walmart or Lowe’s stores. From dust and pollen high-performance filters to cleaner air filters you will have no problem choosing the one that is right for you.

Carbon monoxide is one of the more scary issues you have to deal with if you have an old furnace.  The experts can detect if you have a carbon monoxide leak and can fix the problem before it becomes something fatal.

Efficiency is another reason why having an old furnace is expensive.  The newer furnace models can save you money over the long run and can keep your home safe and warm.

Top three actions you need to take to ensure a long life for your furnace:

  • Yearly check-up is recommended
  • change the filters monthly if you can
  • Make sure the area around the furnace is clear and dry

During the holidays, as we use more heating and put our appliances to work overtime, ensuring they are working properly can save us a lot of headaches and money in the process. 

Enjoy your Thanksgiving holiday!

Basement Waterproofing and Remodeling

Do you know if you have a water problem in your basement?  Many families across the country dream about having a fully functioning basement where they can enjoy with their families and friends.  A place where they cannot only store Christmas or other holiday decorations but and can spend time watching TV or playing with their kids.

What are some of the easy signs to look for in case you have water damage in your basement?

  • Water sitting on the floor of the basement
  • musty smell
  • condensation on the walls, ceiling or doors
  • cracks where the wall meets the floor
  • Rust in appliances you have in the basement
  • Dark spots on the walls or ceiling

Before starting with the basement remodeling, Do you know if there is a water issue you have to attend to first? Water problems in the basement of your home can come from two places only, the inside or outside of your home.  If there is a problem with the pipes of your home and the basement is getting water sitting on the floor, replacing the piping may be the only solution at your disposal.  If on the other hand, the water is coming from the outside, there may be different causes and solutions.

Having gutters clogged by debris and blocking the water passage could be the problem with an easy solution and a prompt fix.  If on the other hand, the foundation is the one with the problem, you may need to contact a basement waterproofing expert to look into it and offer a solution that makes sense to you.

If you know you have a basement problem and want a professional opinion, calling a contractor can be the only option you have.  Finishing a basement by yourself is a project worth doing, and one you may know how to tackle, but having a professional handling a basement project may the right  answer for you. Do you know how to hire a professional to handle your home remodeling project? If not, here is a link for you to check and see what are the right questions to ask before you hire a contractor.


Mold in The Basement

Mold and mildews are both common problems indoors and outside your home.  Humidity in your home can be an indicator that you have water seeping into the walls and floor of your basement.  Humidity is a key component to the mold growing in your basement and causing eye irritation, stuffiness, and more serious respiratory problems.  If you have a family member suffering from asthma or other respiratory problems, the mold growing in the basement could be making their symptoms much worse.

What are some of the reasons you have water sitting on the floor of the basement of your home?

Clogged gutters

If the gutters of your home are full of debris, the water may not be finding the correct pathway and overflowing.  Ensuring the gutters are unobstructed to allow the water to flow to the right spout is just common sense, and can save you some headaches along the way.

Cleaning the gutters of your home does not take long if you do them every year.  Try to have someone to help you with the ladder and make sure you follow safety precautions before you start climbing.


If water is just gathering around the foundation of your home with no place to go, it may be a major reason why you have water on the basement floor, and seeping through the walls.   The drainage should be taking the water about ten feet from the foundation of your home.

Flower Beds

The flower beds should have the soil sloping away from the foundation to ensure the water doesn’t find a way to your basement.  Bushes and other types of greenery should be kept trim and away from touching the walls of your home as well.


Mulch should also be laid flat close to the foundation to avoid gathering water pools and eventually seeping into the walls of the foundation.


Even if this is not as common, unleveled driveways can allow the water to run towards the foundation instead of away creating pools of water to seep into the walls and basement of your home.

Leaking Pipes

Indoor water leaking is also a problem if you have leaking pipes without knowing where they are. Before this problem gets any bigger, replacing those leaking pipes can be the solution to the humidity and water problem in the basement.

If you need to find a solution to the water in the basement of your home, contact us, we will be happy to talk to you and offer a solution to your problem that makes sense.

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.