When you buy a house you focus on the mortgage, property taxes and homeowner insurance. These costs won’t tell you the true cost of home ownership. Imagine how you would handle a $500 water bill or an electric bill exceeding $700. It’s time to track homeowner expenses starting now! The problem is looking at individual … Read More
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Water Damage Repair in Plain English
Most water leaks in your home won’t cause this much flooding. Trust me, you never want to deal with this situation. As I’m living through a flooded house right now, I can definitely say it’s not fun. But there’s a lot we can learn by understanding the water damage repair steps you go through to … Read More
How to Fix Water Damaged Art
Most of the time your artwork is hung on walls or placed on shelves. My challenge was dealing with water damaged art that was sitting on the floor in several inches of water. That’s typical when you’re moving into a new house. When unpacking, I placed things in the room where I thought they’d go. … Read More
Replacing Baseboard After a Flood
Every house has baseboard which is installed when a house is built. You might replace your baseboard when remodeling or refinishing your floors. If your house floods, replacing baseboard will be one of the many things needed to return your home to it’s pre-flood condition. The big question is when to remove the baseboard? Unless … Read More
How to Dry Out Kitchen Cabinets
There are many reasons for water damage inside our homes. Water leaks come from leaking showers, tubs, toilets, sinks and faucets, appliances, your hot water heater and sometimes a water pipe. 14,000 people in the US experience one of these water leaks every day so it’s important to know how to dry out kitchen cabinets … Read More
Why Hiring a Public Adjuster is Smart
Homeowners have lots of experience paying for home owner insurance. In contrast, they have little knowledge of home construction so how will they don’t know if the settlement offered by their insurance company will cover all repairs? That’s why hiring a public adjuster makes lots of sense, to ensure you receive the money you need … Read More
Talking to Your Insurance Company After a Flood
It’s never easy talking to your insurance company. During an emergency you’re under lots of stress. You’re at a disadvantage not knowing their process. You likely have limited/no experience with the problems you’re facing. But you’ve got to take action and fast so … The only number in my phone was my insurance agent. I … Read More
Insurance Coverage for “Loss of Use”
Have you ever read your homeowner insurance policy? The declaration page that summarizes your coverage? The truth is we (myself included) don’t have a clue what insurance coverage is real until we have an emergency. My house flooded and it’s been more than four weeks with no support for additional living expenses, called loss of … Read More
Homeowner Insurance Inspections Because …
When you buy a house, your lenders want proof of insurance, along with an appraisal supporting the purchase price. Lenders don’t require a home inspection and your homeowner insurance company doesn’t either. So when do insurance inspections happen? When a visitor to this blog told me her insurance company inspected her home, I was curious. She … Read More
Flooded House & What I’m Learning
We see and read about homeowner emergencies all the time. We just never imagine it happening to our house … until one day, it happens. Last week it happened to me when I got a phone call about a flooded house, my brand new house in Florida. While I was in Maine helping my sister, … Read More
