Preventable Waterproofing Measures

The average annual rainfall precipitation in the city of Akron, according to recent records is 56 inches. That’s almost 5 Ft. of water that can easily end up in the basement of your home.

There are many preventable measures to ensure that rainwater stays out of the basement of our homes and as far away as possible.

  • Clean the rain gutters of debris that has accumulated throughout the fall and spring.
  • Clear the rainwater downspouts, and make sure that water is finding a clear path from your home to the drain, or away from the foundation.
  • Replace broken or damaged gutters or downspouts that are improperly draining the rainwater.
  • Level the flowerbeds, and avoid over mulching close to the wall of the foundation.

These preventable measures can save you a lot of headaches down the road.  And the older the home gets, the more vigilant you have to be to make sure water is not finding a way into your home. Many older homes start having problems because the waterproofing that was done during the construction of the home is already gone or has deteriorated to the point of being ineffective.

The water-resistant paint or the drainage membranes that were used to waterproof your basement might no longer do the job they were supposed to do, and they either need to be replaced or find another solution for the waterproofing instead.

Many homeowners believe they can do a DIY waterproofing to their home without consulting a professional.  Many men and women are handy with tools, but it doesn’t necessarily mean they can do a waterproofing job to their home.  If you have issues with the basement of your home, those issues can be the beginning of major structural problems down the road, and consulting a professional can save you money if you address the issue head-on.

Basement waterproofing solutions can be tailored to the particular problem you have in your home.  Every home is different, and the solution for its waterproofing problem has to be tailored to that particular home. If you are a homeowner, call a professional if you have a water issue in your home. They can offer a hassle-free consultation to address your waterproofing issues right away.


Is Your Home Insurance Policy Up to Date?

Many homeowners do not know what is covered by their insurance company until they need to file a claim.  Property damages done by a pipe bursting is covered by most insurances, groundwater damage may not be.

For many homeowners, damages done to the roof and basement of the home may not be covered by their insurance company, and they find out their deductible has to kick in before the company makes any payment to cover the damages.

Ask yourself these three questions about your home insurance policy and see if you know the answer without looking at your policy.

  1. Does my insurance company cover groundwater damage? Most insurance companies will cover damages done to the dwelling of your home if the water damage was sudden and accidental. If the groundwater damage was due to the aging of the home, most insurances companies won’t cover it. You must purchase a different kind of coverage with your standard policy to cover any damage done to the property due to groundwater damage.
  2. If my sewer backs up, is that covered? Most insurances policies won’t cover sewer backups, but once again you can purchase additional insurance to cover these eventualities.
  3. Is flooding covered by my insurance policy?  Most companies won’t cover flooding with your regular policy, but through the federal government, you can purchase flood insurance coverage that will protect you against such disasters.   

Most disasters related to flooding come unexpectedly and many homeowners are not prepared.  Personal belongings, appliances or other types of electronics stored in the basement can be lost in a blink of an eye and can cost you thousands of dollars to replace.  The structural damage done to the basement can cost you much more than a few thousand and can put a strain on your finances if not covered by insurance.

Now that you know the type of policy you have, you need to take these three steps to ensure your property is safe and will be safe in the future.

  1. Call your insurance agent and ask whether you can purchase flood insurance through them.
  2. Shop around to see if your agent is giving you the best option. Check the United States Government website concerning flood insurance. https://www.floodsmart.gov/ and make a decision to purchase it as soon as you can.
  3. Make sure to inspect your basement, foundation, and roof for any signs of damage.

Many disasters occur when we least expect them, and even when we want to be prepared, it is impossible to predict when we will suffer one devastating disaster.  What can we do to protect ourselves from such eventuality? The best advice is to buy the right insurance coverage to protect your assets and your families as soon as possible.

Exterior and Interior Basement Waterproofing Systems

Homes in the North part of the country deal with a lot of weather changes throughout the years. From rain and snow and everything in between, the roofs and basements of our homes have to withstand much wear and tear due to weather.

Water damage due to improper grading or drainage systems can play havoc with the basement of your home and can cause the foundation to suffer structural damages that cannot be visible right away.

If you own a home and can see water damage in the basement, chances are the water problems have been there for longer than you suspect.  The structural damage to the foundation may not be there yet, and that is one of the main reasons to call a professional to take care of this issue.

There are different methods to deal with a wet basement.  Depending on what your basement problem is, there are two types of basement waterproofing options for you.

Exterior Basement Waterproofing Systems

What are the basement waterproofing systems that are commonly used to treat and solve your waterproofing problems?

If your contractor has advised having an exterior waterproofing done, then that requires:

  • a full excavation
  • A waterproof coating that is applied to seal the cracks and pores of the foundation
  • A waterproof membrane that is installed after the seal is applied

If a contractor has advised you that an interior basement system can solve your problem then the solutions are a bit different and the cost can be a lot smaller than a full excavation.

Interior Basement Waterproofing System

  • A pump system can be a recommendation you will get from a professional
  • An Interior drain installed 

When calling a contractor and asking for a free consultation, make sure you understand the problem and the solutions they are giving you.  Research their findings with your own findings and consult at least three different contractors before making a decision.  A good, reputable firm will stand by their work and will offer you time to decide and consult with your spouse.  DO NOT sign anything right away, and make sure you research the company or contractor of your choice before agreeing to any work or payment exchange. A lower price does not mean better work. Compare, research, and shop before signing a contract.


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.


Home Safety This Holiday Season

The National Safety Council has a list of the top causes of Unintentional injury and death at homes.  Right now, in northeast Ohio, snow is not a problem at all.  The weather has been unseasonably warm and the thought of snow has not entered our thoughts yet.  But, snow will come and the many winter activities that snow brings along are some of the top unintentional injuries we have to be aware this winter.

Even if you are not thinking about sledding or skiing with your family, shoveling snow can be a strenuous exercise that you need to be aware of if you have heart problems or lead a sedentary life.

Fire-during this time of year, many families homes have an abundance of Christmas decorations or other holiday decorations that require electricity. Reading and following the safety precautions on these decorations can help you avoid a  fire in your home.

Fires in the kitchen are a common occurrence during the holiday season as well.  Be cautious while cooking your holiday meals, and do not leave the stove unattended.

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


Top Causes of Unintentional Injury and Death in Homes and Communities

According to Injury Facts 2017, about 146,571 people died from unintentional injury-related deaths in 2015. That’s an all-time high. Often, these tragedies happen when least expected – during a vacation, while doing chores at home or while driving across town – and they are all preventable.

NSC encourages everyone to be aware of hazards related to leisure and recreational activities, take proper safety precautions and sign up for NSC Monthly News. You’ll get timely and useful blogs, seasonal safety tips, survey results, legislative updates, event information and lots of other safety-related news.

Here, in order, are the top causes of unintentional injury and death in homes and communities.

#1: Poisoning

In 2011, poisonings overtook motor vehicle crashes for the first time as the leading cause of unintentional-injury-related death for all ages combined. Poisoning deaths are caused by gases, chemicals and other substances, but prescription drug overdose is by far the leading cause.  Learn more about this epidemic and other poisons in the home.


Tips for a safe holiday season from the Galt Police, Cosumnes Fire departments

The holiday season can be a wonderful time of year if you take the needed precautions while out shopping and in your home. Public Information Officer Brian Kalinowski of the Galt Police Department encourages all Galt residents to be more aware or their surroundings during the holiday season, and Cosumnes Fire Department’s (CSD) Public Education Officer Laurel Schamber has tips to keep your homes safe from fires.

“The police department often sees an increase in thefts during the holidays,” Kalinowski said.

In an effort to prevent you from becoming a victim, the Galt Police Department offers some suggestions:

• Package Theft: If possible, have your packages delivered to an address where someone will be home to receive them. Leaving them out on the porch only invites those looking for an opportunity to take your items. Use delivery notification options so you can track your packages and have them retrieved upon delivery.


 

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.


 

Basement Waterproofing and Other Home Repairs You Can’t Ignore

It is difficult to budget for a home problem when you don’t know if you have one.  An emergency fund can help you solve that problem, but if you have a basement waterproofing issue you may need a bigger emergency fund than you thought.

How do you know if you have a basement waterproofing issue? One of the first and most obvious ones is whether your basement has damp walls. If you have marks around a  specific area on the walls, that may a sign water is getting into that area. If you notice mold or mildew growing on the corners or any other part of the basement, that means you have a lot of moisture and possible water leakage in some parts of the basement.

Don’t wait too long to take care of those problems.  Ignoring them can bring you bigger more expensive problems in the future.  Call waterproofing companies to give you an estimate, and find out whether they have financing available.

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


Ask the Carpenter: Tips for dealing with a wet basement

Q. I get water in part of my unfinished basement. I can’t determine whether it is coming in from the outside or up from the water table. I installed a dehumidifier, but I’ve been told that this actually draws in more water if the problem is the water table. What are your thoughts?

A. You may be getting water in your basement for any of the following reasons: lack of gutters, improper ground sloping, clogged perimeter pipes, or hydrostatic pressure.

Your dehumidifier is not causing the water table to rise. Water is seeping in at the wall and floor joint, and oftentimes that can mean hydrostatic water pressure is present. During wet weather, the soil outside your basement becomes saturated. Exterior footing drains aren’t very effective at relieving water pressure, because they usually become clogged with silt or plant roots. With no place to go, hydrostatic pressure continues to build up, and the water will eventually seep in. You have options:


8 Home Repairs You Should Never Put Off

Or you might have a bigger problem in the future.

Hate to break it to you, but ignoring that ugly water spot on the ceiling is the wrong move. Lingering issues around the house can get worse—much worse—if you don’t address them ASAP. Here’s how to identify and fix seemingly small problems before they morph into expensive repairs.

The basement is damp. A musty basement can lead to mold and mildew. Plus, it stinks. Many times, grading the yard encourages the water to run away from the house, rather than leaking into the basement. Installing gutters and downspout extensions channels rain water away from the foundation, which can help keep the basement dry. The worst case scenario is you’ll need to place drain tile around the footings. This job typically requires a pro and costs several thousand dollars.


Three Ways to Ensure Effective Repair Management

After the hottest July on record for the Salt Lake City area, during which my air conditioning unit worked overtime, I noticed a performance slump along with wet carpet in my basement. So, I turned off the AC and called a repairman. He showed up Monday afternoon and simply removed an internal panel, cleaned the drip tray that captures the condensation from the evaporator coil, and unclogged the ¾” drain pipe. I paid a $120 service fee and realized: Had I taken a few extra minutes, I could have saved myself $120, multiple phone calls, and two days of no air conditioning.

Of course, effectively managing repairs for numerous homes across different cities, counties, or even states is much more challenging than doing so for one’s own home. That’s why many lenders and investors hire a vendor partner to develop and execute a successful repair program for their REO or SFR assets. So, what should you look for in a repair management vendor to ensure your repair dollars are maximized?

Understand the Scope of the Repair

Had I really understood what it took to repair my AC unit, I could have done it myself. Similarly, many lenders and investors want to fully understand the scope of repairs, including all the deficiencies of the asset compared to the comparable properties that are available in the neighborhood. Having dedicated, trained vendor partners in the field that are in tune with the local market is essential. Without their input, including photos, descriptions, and their commitment to the best strategy for the asset, you won’t be nearly as effective as you could.


 

How to Look For A Good Contractor For Your Home Project?

Children are in school now.  Yes, they do bring homework and projects and other chores we sometimes help them to do, but we do have a bit more time to do those chores the summer months were too short to let us do.

The autumn is a season where there are many chores we must do to prepare for the winter months. from putting away our gardening tools to preparing our home for the winter, the fall months can be very active.  And , if you are thinking about tackling a more serious project, where do you need to start?

You need to first find what project you really want to do and a budget you are allowing yourself to have. If you need to do a project that is indispensable to the well-being of your family – A new roof, or a basement waterproofing project- then you need to first start choosing the best contractor you can find.

If you are doing a home remodeling project for purely aesthetic reasons, then, you still need to follow the steps of how to choose a contractor for your project.

How to choose a good contractor

If you have no family’s references and no friends recommendations of a good contractor, then you will probably google it to get a list.  Here are some of the things you should be looking out for:

  • Contact contractors that are locally owned and operated-make sure they have been in the business for a long time
  • Check their Business Bureau Status
  • Ask for references that are not from friends or family members
  • You Must call those references and talk to the homeowners and ask them about the craftsmanship and other related issues concerning the job they did.
  • Make sure that they are fully bonded and insured
  • Ask for an estimate in writing
  • Ask them about the form of payment they require

For more about home remodeling projects and other news, follow the links below.


Contractors swamped with home remodeling projects in central Ohio

Central Ohio homeowners are spending a record amount of money building additions, updating kitchens and renovating bathrooms.

Fueled by a robust economy and rising home values, which allow homeowners to pull cash out of their homes to fund improvements, Americans are expected to spend more than $300 billion on remodeling this year.

“I’ve been doing this since 1981 and have never seen it this busy,” said Todd Schmidt, owner of the Grove City remodeling firm Renovations Unlimited.

While the remodeling boom is good for contractors, it means longer waits for homeowners eager to polish up their properties.

Bill and Marcia Miller tried for two years to get a contractor to update the laundry room of their Dublin-area home.


 

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.