Prioritizing Your Home Renovation

Your house’s condition can be in one of many states of disrepair. It might be dilapidated and falling apart, or it might be brand new and sparkling. Most people’s houses are somewhere in the middle, livable but with some needed love and attention. Often times a house’s problems are in the eyes of its inhabitants, such as an annoying bathroom layout or a kitchen counter with an unappealing color. Regardless of what needs to be fixed in or on your house, you can easily feel overwhelmed when trying to figure out how to prioritize repairs and renovations for it. Well, hopefully these pointers will help out.

Obviously, the safety of your family is going to take priority over everything else on your list of things to fix. If you have wires dangling out of your walls or a ceiling fan that is hanging by a thread, you would probably be wise to address these issues before you throw a new coat of paint onto your garage. When making a list of things to fix, you should always put a star next to the items that could harm your family, or damage yours or your neighbor’s property (such as a dangling tree limb). Leaky pipes are another problem that should take priority over more luxurious renovations, as they can lead to a slew of other problems, such as mold and water damage. If you have a broken window, you should probably put that near the top of your list as they leak energy and could compromise the security of your house.

Now that we have the more obvious urgent renovations out of the way, let’s look at some of the more difficult decisions that you need to make when figuring out what to work on first. Taking the next step in prioritizing your renovations requires you to know whether or not you plan on staying in your house for the long term, or if you’re going to sell it in the near future (five years, or less). If you are planning on selling your house in the near-future, you want to make renovations that will make it more appealing to the current housing market. I always recommend finding a realtor you trust (perhaps the one that sold you the house) to discuss what the current housing trends are. Perhaps everyone is looking for kitchens with a particular type of countertop or a certain color of exterior paint is more disirable than others; regardless of what the trends are, you need to know about them before you start making renovations. Another great way to figure out which renovations you should make when preparing to sell your house is looking up what the estimated return on investment is for each type of project. Also, remember that curb appeal has a great impact on your house’s market value, so plan on doing some painting and landscaping.

If you are planning on staying in your house for the long-haul, deciding which remodels to give priority to can be a little more difficult. Once you have the safety/practical renovations out of the way, really think about which aspects of your house you feel would have the greatest positive impact on your life by improving. 

Given that this is not always obvious, there are a number of things you can consider when deciding which renovations to take on first. Are there any rooms of your house that cause you discomfort? Do your closet doors drive you bonkers every time you are getting ready for work? Is the back burner on your stove broken, and does it throw you off every time you try to make dinner?  It is the daily annoyances like these that you should concentrate on fixing first, as your life will immediately start improving when they are fixed. Improving your life is the entire point of renovating a house you plan on inhabiting for the long term, so focus on what will actually improve your life!

Once you’ve taken care of the minor (or major) annoyances in your house, figure out the grand scheme of what you want your house to be like when all of your renovations are finished. Really sit down and think about it. Write down your ideas and go over them with your partner; renovation is expensive, especially if you don’t know what you want when you go into it. It’s also important to develop a phasing plan when prioritizing your renovations, as you don’t want every room of your house torn up at the same time. For example, if you tear up both of your bathrooms at the same time, you might have to resort to the use of a bucket or a neighbor’s bathroom, and that, my friend, is no way to live. Another way to prioritize your renovations is by looking at the budget for each project. Many people knock out all of their smaller renovation projects first, before deciding whether or not they can afford to take on a major one. For example, you probably want to fix up the existing rooms in your home before you start adding on an expensive expansion. Speaking of budget, I always recommend allocating an extra 15-20% above what you are quoted for your renovations to pay for any unforeseen surprises that might arise during the renovation, such as an unknown termite colony living inside the walls or bad wiring.

Once you have prioritized your renovations, prepare for life while they are happening. Go into the renovation process understanding that your life will feel messy or cluttered while the renovations are taking place, as parts of your house may be torn up and unusable. If you go into the process knowing that your life might be a little bit more uncomfortable than it usually is, you will be less stressed out while it is happening. Also, just keep in mind how much better your life will be once the renovations are completed!

How to Keep Pests Out of Your Attic

If you have been lying in bed and hearing thumps, bumps, and scratches above your head, there’s a good chance that you have a special guest living in your attic. Given that an attic is an enclosed, safe, and often warm area; our furry friends find them to be a very inviting place to spend some time. As much as some of us would like to accommodate these creatures with a comfortable living, the fact is that their presence is not good for your home or your family. They can leave droppings everywhere, particles of which you might end up breathing or eating, and chew through important wires causing expensive electrical damage and even creating a fire hazard.

The most common way people discover they have pests in their attic is by hearing them. Whether it is a squeaking noise made by smaller rodents, or loud thumps made by possums or raccoons, these noises are most commonly observed at night when pests are most active. If you have an alert dog, you will notice his behavior to be erratic or agitated when the pests are moving around. I actually learned this first hand, as one of my dogs would become very upset and pace around my bathroom barking at the ceiling in the middle of the night; when I got up to investigate, I observed faint scratching and thumping above my shower.

One method of discovering that you have unwanted houseguests is by finding their droppings. If you enter your attic and observe droppings, it is very important that you take care of your pest problem immediately, as these droppings can harbor dangerous diseases, many of which can be spread throughout your house’s ventilation system. One such disease is Hantavirus Pulmonary Syndrome (HPS), which can cause a lot of very nasty symptoms and is contracted just by inhaling particles from infected droppings. Health issues aside, having poop lying around any part of your house is just plain gross and unsanitary, so the problem should be addressed immediately. Also, be sure to clean up any sort of droppings in the proper manner to prevent the spread of germs.

Another way to determine if you have pests is by finding holes in any sort of screens that are between your exterior and attic. Raccoons and squirrels will jimmy their way into your screens by prying them open or gnawing at them to gain access into your attic. Here is an excellent video on how to repair damaged screens to prevent them from regaining entry to your attic. Thoroughly check all of your siding and where your exterior meets your ceiling for any holes and use caulk, steel, and wire mesh as demonstrated in this video to seal them. Some rodents can gain access to your house through holes that are as small as a quarter, so be sure to be thorough while checking your siding and roof. After you have sealed the holes in your exterior, you need to find a good means to remove the pests from your attic.

When it comes to removing the pests, there are many approaches. If you decide you want to be lethal, which I do not recommend for bigger rodents, you can use poisons and larger snap traps. The reasons I do not recommend these methods for bigger rodents is that if you cannot reach the corpse of the dead animal, it will start to stink. Also, poisons run the risk of hurting your pets and possibly your family if accidentally ingested. For nonlethal removal of pests, use small baited cages and check them on a daily basis. Some local municipal animal control centers will rent these out to you for free, and even come pick up the cages for you if you catch anything. Mothballs can be used to deter larger rodents from your attic, as can fox urine (gross!). The most important thing about using live-catch methods is that you check the traps daily, so you don’t end up torturing an animal by starving or dehydrating it. Once your pests have been removed, periodically check the areas that you have sealed off and look for droppings or other evidence that they have returned. If they have, double check for more holes, or to make sure the seals you have put in place are still intact.

Making Homeowner's Insurance Claims

Owning a home requires a lot of attention and periodic maintenance to keep everything in proper working order. Even if you are on top of all that needs to be done to keep your house in good shape like changing your AC filters, painting, sealing your deck, etc., there will inevitably be something that goes wrong. Anything from a severe weather storm to a burglar can cause damage to your home or the possessions within, leaving you with the need to contact your homeowner’s insurance company to file a claim. Here are a few things that you should keep in mind when filing a claim to help things run smoothly and ensure the best possible outcome.

File You Claim ASAP

By waiting around to file a claim after property is damaged or stolen, you are risking having your claim being denied by adjuster. Most insurance companies have a window of around 14 days to file a claim after damage occurs. Also, if you’re dealing with an issue such as a water leak, more damage could be caused by not being proactive such as mold or damage to wood from moisture. As soon as you notice damaged or stolen property, call your agent and discuss your best course of action.

Take Pictures

As soon as you notice that your property has been damaged, get out your phone and start taking pictures immediately. In most cases, the insurance company will send out an adjuster to take pictures, but it is a good idea to take some immediately, just in case. You never know when an adjuster will try to minimize the extent that your property is damaged to avoid paying out on a claim or reducing the claim payout. Also, these pictures can help you get proper estimates on repairs so you can decide if a claim is worth making or if you would be better off paying out of pocket instead.

Is It Worth It?

It is a good idea to get some estimates before filing a claim if the damage to your home does not look significant. Filing claims on your policy causes your premium to go up, and some insurance companies will even drop your coverage if you file what they consider to be an excessive amount of claims (in my case, I have three claims in the past three years and I am having trouble finding new coverage!). If you can afford to pay out of pocket for a repair that will not break the bank, go ahead and do it. While it is still always a good idea to discuss things with your insurance agent, repairs that cost just over the amount of your deductible are almost never worth filing.

Protect Yourself From Having to Make Claims

A lot of property damage is preventable. Trimming branches that hang over you or your neighbor’s house, installing smoke detectors, and putting in a security system are just a few of the things that can help protect your from being in a situation where you might have to make a claim on your policy.

Look Out For Yourself

During the claims process, you need to pay attention to everything that is going on. Make sure you look over all of the paperwork. Don’t let the extent of the damage or amount you’re being paid for it be minimized by the insurance company or claims adjuster. Often times, the insurance company will try to offer you a settlement or agreement that will let them get out of paying for the full claim. Don’t let them do that. Also, when reporting your claim, don’t add in what you think happened or what you think should be done about it- only report the FACTS of the situation. Mentioning that you think that there might be mold or some other thing going on with your property is always a bad idea. Also, never lie or be dishonest about what is going on- it will immediately have your claim denied and could land you in jail!

If you feel like you are being mistreated by your insurance company, don’t hesitate to let them know- but do so in a civil manner. Never except a check from your insurance company unless you are sure that it will cover the full extent of your damages. As a side note, some people would advise hiring a lawyer during this process. If there is a lot of money involved and you have a bad feeling about the way your claim is being handled, it might be worth doing so. Patience is a virtue, and it also happens to be something that you’ll need a lot of when dealing with an insurance company during your claims process. If you run out of patience, you could end up accepting an offer that won’t cover your repairs!

Replacing Windows

Windows are not often the first things that come to mind when you are considering updates to your house. Typically, you may feel a need to update something that you interact with more often, such as a kitchen or bathroom sink, oven, or shower. Windows, however, play a large role in the value and energy efficiency of your home and should never be overlooked when considering updates or remodels to your house. Windows, much like your roof or siding, sometimes need repairs or replacing to maintain their function and efficiency.

There are some obvious warning signs that you are in need of replacement windows. The first, and most important, is a difficulty in opening or closing a window all the way. A window that does not close all the way will leak energy and may fail to lock, leaving your house open to break-ins. Windows that are difficult to open can end up being a fire hazard in rooms that don’t contain a door leading to the home’s exterior. Make sure all of the windows in your house can open and close smoothly, and can be locked tightly.

Perhaps one of the most obvious signs that you need a window repair or replacement is a draft blowing through your home. Not only does a draft indicate a major energy leak, but also a severely damaged or inefficient window. A draft in your house can signal a need for both replacement windows and replacement doors, so be sure to check both if your house is feeling windy. The draft can be caused by gaps in the window’s fixture or a damaged seal.  One of the main purposes of owning a house is to protect us from the elements, and inefficient or broken windows diminish our home’s ability to do so.

If you have multi-pane windows and you notice condensation forming between them, you should consider replacement windows. The condensation occurs when the seals of your windows are failing. Because the seal is no long doing its job, moisture may enter and form condensation, indicating that the window is no longer effectively keeping out cold air. Often times you will notice a white film left behind by calcium deposits from condensation, another sign that the seal has failed. If you notice any of these signs, you should immediately replace the window as it is no longer effective at keeping out cold air.

If you feel that one or more of your windows is ugly, or doesn’t fit with how you want your house to look, that is a perfectly acceptable reason to go about looking into replacement windows. Sometimes people will replace their windows just because they don’t like the way that they open, or want a different style. There is nothing wrong with changing a component of your house just because you don’t like the way it looks or operates.

Replacing windows can be a big commitment in both time and money, but it is almost always a worthwhile investment. Windows that are drafty, not functional, or just plain ugly are not doing their job. Not only can bad windows cost you money, but they can also be a hazard; so be sure you take action immediately if you find yours are showing some of the aforementioned signals that they need to be repaired or replaced.