Home Improvements Can Help You Save on Homeowners Insurance

When it comes to saving money on your homeowner’s insurance, there are a number of things you can do around the house to ensure that your premiums are the lowest possible. When insuring your home, insurers look at four key areas: your HVAC system, your electrical wiring, your plumbing, and your roof. Obviously, the newer these items are, the lower the rate you will be charged for your insurance.

Insuring a Short Sale or Foreclosure?

If you have recently purchased a foreclosure or short sale home, here http://www.home-remodelling.net are most likely repairs that need to be made. It is often difficult to obtain homeowners insurance on homes that are missing an A/C unit or are in need of repairs. However, you can get insurance. Just know that you will be paying more each month until the repairs are completed. Make sure that you notify your insurer as soon as the repairs are completed so that your rate can be lowered as quickly as possible.

The Age and Type of Your Roof Matter

Yes, insurance companies will charge you less in monthly insurance premiums when you roof is newer. They will also charge you less if you have certain types of roofs installed. If your roof has been in place for 15 years or more, it may be time to get a new roof, even if your shingles are rated for 30 years. This will ensure that you are paying the least in homeowners insurance premiums.

The Age of Your Electrical System Matters

Other than homes more recently built, few homes meet today’s electrical codes. This means that the older your home is, the older the electrical system is, and the greater the risk of having an electrical malfunction which can result in a catastrophic loss. Insurance companies view older homes as an increased risk, which results in a higher monthly premium, unless you completely upgrade your home’s electrical system and can provide proof that the system now meets current codes. Of course, not only will you save on your monthly homeowners insurance premium by making this upgrade, but you will also improve the safety of your home.

Upgrading your HVAC system and plumbing will have the same effect on your homeowner’s insurance. The newer the system, the less you’ll pay each month. You’ll also get the peace of mind in knowing that here biopolymerics.org is a lesser chance of a major system failure after having each of these items upgraded or replaced.

If you are looking for ways to save on your homeowners insurance premiums, making improvements to these four key areas will save you a bundle. For more ways to save on your homeowners insurance, talk to a local insurance agent today. Getting homeowners insurance Chesterfield MO at the best possible price is as easy to visit at www.BuildGreenAtlantic.org and getting homeowners insurance quote Chesterfield MO.

Home Improvement Projects That The Whole Family Can Enjoy

Home improvement often seems like a chore that most families avoid. It can be a lot of work for a family to improve their home on their own, and more often than not, it just seems like a headache that your family does not want to endure. You never want to make family time spent together something your entire family does not enjoy, but home improvements still need to be done quickly, efficiently and inexpensively.

Fortunately, there are some ways that you can make home improvement projects more fun for you and your family. You can create a time that is spent not only improving your home, but also creating memories that you will be able to cherish with your family for years to come. Here http://metalaqua.com are some home improvement projects that the whole family can enjoy.

Start with the Easy Stuff

Instead of tackling a big and difficult project in your home right away, start out small and work your way up to the bigger projects. It will be easier for everyone to get the hang of how home improvement projects work if you start out slow. For example, start out by painting a bathroom, and work your way up to painting the living room or kitchen. By the time you get to the more advanced home improvement projects, you will all be professionals.

Build Something the Family can use together

A good home improvement project to do with your family is one that has a great reward for everyone involved. Start a project that the whole family can enjoy together when it’s finished. Some examples of these projects would be building a backyard fire pit or adding another shower in your second bathroom. Everyone will be much more willing to help when they know that the payoff in the end will be good for them.

Give Everyone a Job that they Will Love

This is the best way to make sure that any task gets done without having to deal with stress and anger from any family member. Delegate a specific job for each person that they will do well at. This will make the time go faster and everyone will be able to show off their own specific skill set. Give encouragements to each family member as they go and help out to fill the gaps where you can.

Make a Game Out of Learning how to use the Tools you have

Home improvement will involve a lot of new tools that you would not normally use in the house. Make a game out of teaching your kids how to use all these tools. This onlyweld.com will help your kids learn the function of the tools better and allow for a little more fun in your home improvement process. You can also help them to learn how to use the new home improvements this way, for example, learning how to use the newly installed http://odonnell-green.com .

Home Elevator Safety For Children

Home Elevators in Vancouver are becoming big business. After all, what could be better than never having to carry boxes up the stairs or hauling dozens of boxes up and down when you’re moving?  With more and more homes having one, the home elevator is becoming a common sight. However, with its rise in popularity has also come the rise in horrific accidents, most of which involve children.

For those who are unaware, the in-home elevator is much like a normal one you will find in any building except for one feature. Instead of a single set of doors that open right into the platform and close only once you are inside, the in-home elevator has a door with a several inch gap before you get onto the platform. This several inch runner area does not go up, but the first door must be shut. So a child may shut the outer door while standing in this gap and attempt to operate the elevator.

As many parents and children have found, this design flaw can have disastrous or even deadly consequences for children. Young children who do not know better stand in the gap with the door closed in front of them and as the elevator goes up, but they do not, the elevator crushes them against the outer door and the elevator mechanisms. Then when the elevator comes down, the injured child can find themselves pinned underneath it as the elevator comes down on them from above.

So what can a parent or a person watching a child do if they have an in-home elevator? First, you can visit at http://woodworking-pro.com this is an easy and practical first step. If your child is very determined to try and get at it, move a couch or other furniture in front of it to detract from their ability to get inside. If the child seems dead set on using it then simply pull the elevator breaker so it will not run.

Another way to deal with an in-home elevator is to show them the proper elevator safety and search at diytelevision.net to make sure they understand the importance of going all the way into the elevator before operation. Teaching your child good safety also has the benefit of having them aware in case their friends are over and curious.

The other major thing you can do to mitigate an accident is to simply install some infrared or pressure safety measures so it will not operate if anything or anyone stands in the gap.

Small changes like this can mean life or death to a child so if you have an in-home elevator, make sure you take safety seriously. Visit at http://www.architecturebeta.com  for more information about installing a home elevator that is safe.

Home DIY Guide: How To Repair Plaster

If your house, like virtually every other house in the western world has plaster as one of it’s construction materials, you can be sure that at some point you will need to repair the plaster.

The process of repairing plaster can be daunting because of its exhaustingly repetitive nature. Cracks in plaster appear due to changes in humidity and temperature so they are almost inevitable. Over the years, the walls of a house must expand and contract hence cracks must appear on plaster. These changes can also cause holes in addition to cracks.

Here is how you can repair cracked plaster.

  1. Cut several pieces of mesh tape. These will be used to cover the cracks and they should be of different lengths because cracks are usually curved.
  1. Use the mesh tape to cover the cracks in the plaster.
  1. Take a joint compound and mix it in a mud pan or any other container you choose for the job. Start by putting the joint compound in the mud pan and slowly add water until you reach the desired consistency and all lumps are gone.
  1. Use a whisk broom to remove any loose material from the cracks.
  1. Use a putty knife to apply a very thin layer of joint compound on the cracked plaster. This layer should not be thicker than an eighth of an inch.
  1. Remove half of the joint compound to make sure that no lumps are left. You should not remove too much compound because the mesh tape will cause the second coat to blister if the first layer is too thin.
  1. Leave the coat to dry completely before adding any more coats. Each joint compound has unique instructions from the manufacturer so you must adhere to the instructions on the packaging.
  1. Once the first coat has set, apply the second coat to hide the mesh tape. The second coat should be 1/16 inches thick and you should taper it to make it blend with the surrounding area and the tape. Scrape away any protrusions on the second coat before proceeding to the third coat. Smooth the area with a grout float. Dampen the grout float and slide it over the patch until the surface becomes even. Visit at http://www.blueprintroofs.com to get useful information .
  1. Leave the second coat to harden taking into account the manufacturer’s instructions. Afterwards apply the third coat.

If your plaster has holes, proceed with the following steps:

  1. 1. If your wall has a lath board, remove excess plaster and debris.
  1. Use a damp sponge to moisten the area and fill the hole with joint compound. You can search at www.angelosepoxyflooring.com to apply as many coats as you need to – just make sure that each coat is not thicker than 1/8 of an inch.
  1. If the hole is very large, trim away plaster surrounding the hole until you see the studs in the wall.
  1. Screw a lath section into the studs.
  1. Follow the steps for repairing cracks adding layers of one eighth-inch thickness until the section is as thick as the surrounding plaster. Finish the patched hole to look like the surrounding plaster. You should avoid pre-mixed joint compound because it might fail to bond well with plaster.

This post was supplied by Mark Stubbles. Mark is a DIY enthusiast and guest blogger currently writing for West Yorkshire based plastering and drylining firm, PlasterPro. Search at http://www.zigbee-automation-home.com for more detail.