The Most Common Roofing Scams

Posted by on Jun 19, 2017 in Home Improvement | Comments Off on The Most Common Roofing Scams

roofing scams

A roofing project on your home can cost you around $10,000-$30,000 depending on the size of home that you have. The project can take time and money and the amount you spend on a roofing project is a huge amount of money. Make sure that every time you do this project you get the assurance that you will be given a service with the best value for your money. Although there are instances that contractors and non-contractors will try to rip you off with this kind of service. This article will enumerate common roofing scams today.

1. Contractors who demand for a low bidding price and then when construction time comes they demand for excessive amounts of money in order for the project to be finished.

You’ve probably heard of this too good to be true bidding for roofing projects and when it’s an emergency, we often jump right in for the cheapest buy. This kind of scam is actually rampant among roofing projects, wherein contractor would take advantage of emergency cases and rip you off by trying to sell the project at a low rate and then making more monetary demands when “sudden” difficulties to finish the project arises.

2. Contractors who take down payments and run.

Do not be fooled by roofing contractors who come door to door in your neighbourhood to offer consulting services for your roofing project. They often come with great marketing officers who can talk you out into paying the down payments. There are actually scammers out there who are not really contractors but conduct these free consultation in order for them to merely take the money and run.

3. Improper or Inadequate Repairs

This particular is often difficult to catch since they usually do their work in camouflage, you will only discover the problem when the contractor is long gone and has gotten away with giving you inadequate roofing that will create problems in the future. If you recently got your roofing fixed and you’re surprised by the drips in your place every time it rains, then you’ve been scammed by inadequate roofing contractors, make sure you double check each work before they finish the project.

4. Calamity opportunists

These scammers often come to you after a calamity, like a storm, earthquake, tornado and etcetera. They often take advantage of the recent calamity and your desperation to get everything fixed, only to find out that the people who came to you were not actually roofing contractors but calamity opportunists who use your vulnerability into signing contracts for a roofing projects and in the end they won’t hold up to their side of the bargain.

There are a lot of roofing scammers out there. One way of avoiding this is by hiring professionals who are licensed and trusted, research on the contractor before availing their service and compare prices before hiring your contractor. Don’t let desperation cloud your judgements because roofing scammers will take advantage of it.

 

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The Best Roofing Materials to Use in Florida

Posted by on Jun 9, 2017 in Home Improvement | Comments Off on The Best Roofing Materials to Use in Florida

Florida is known for its fair weather experienced though out most of the year. However Florida has in the past experienced the Hurricane season that runs from June to November. The most recent one was hurricane Hermine that hit Florida for the first time in 10 years on September third 2016. Florida also experiences mild winters contrary to other parts of the United States, making a favorite tourists destination. This allows the residents of the state of Florida to have a wide variety of roofing materials to choose from asphalt composition shingles and tile to metal roofing, wood shakes, and slate.

However the sun and heat the roof is exposed to can be quite intense, this makes it necessary to make an informed decision before settling on a roof of choice. Let’s look at the various types of roofing materials for Florida and the pros and cons that come with it.

1. Asphalt Composition shingles: These are the typical types of roofing materials that are affordable and can be found in local stores like Sun coat roofers supply. Although Florida doesn’t always get hit by Hurricanes, strong winds that are experienced during in the county can easily blow off the composition shingles. The hot weather can also scar the clean looking shingles making them fade in time.

2. Clay Tile: The clay tile is a very popular roofing material around the world. It complements home designs by giving them a stylish finish. It has a long life span and is very resistant to insects, fire and withering. It may require some cleaning but it has a very long life span for it to fade or loose color. However the Clay tile is expensive making it out of reach for most home owners. It is also heavy and requires extra roofing support in the form of wood paneling making it even more expensive. It is also brittle can easily break if stepped on.

3. Concrete Tile: Concrete tiles are a new entrant into the market and are the modern way of roofing. Concrete tiles became popular in the last few years widely replacing clay tiles due to their light weight and maintaining the same look and feel of Clay tiles. Concrete tiles can be molded to various shapes and sizes to complement various building finishing styles. However they are expensive and have the tendency to loose colour once they are exposed to elements for a period of time. Concrete tiles are also prone to breaking once stepped upon.

4. Metal Roofs: Technology has allowed buildings to be constructed entirely of steel. This has also brought in roofing materials made from steel. In the yester years roofs were made from copper, lead and zinc but steel has proved to be more durable making it the preferred option. Steel roofing can be shaped to various shapes and sizes and can be made to resemble asphalt shingles, clay tiles, concrete tiles, and even wood shakes. Steeling roofing is durable and be galvanized with zinc to make them last even longer. Steel roofing is also maintenance free. Steel roofing reflects sunlight away from the homes in turn helping in cooling down houses during summer. However steel usually rusts away over the years and may need replacing further raising the maintenance coast.

5. Wood Shakes: Wood shakes are made from various types’ wood including pine, cypress, cedar and redwood trees. They are made from splitting logs and then reshaping them for commercial use. Wood shakes are naturally very attractive. As they age they develop an attractive grayish silver tone. Depending on the type of wood e.g. Cedar, the wood shake can last for a very long time sometimes even longer that fifteen years. This is unlike other forms of roofing that we have looked at above. They are also resistant to strong winds and various types of severe storms. Wood generally is an insulator allowing the home owner to save on costs that could have otherwise been incurred on cooling and heating the home. Companies that deal with wood shingles have a corporate social responsibility to plant trees whenever they cut down others for this purpose to ensure conservation of the environment.

Next time you go shopping for a roof in Florida’s local stores, make an informed decision that shall meet your expectations and make you a happy home owner.

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Reasons Homeowners Need to Purchase Life Insurance

Posted by on Dec 12, 2016 in Life Insurance | Comments Off on Reasons Homeowners Need to Purchase Life Insurance

life insurance

Have you ever thought what would possibly happen if you pass away? What would happen to your family? Would they still be able to live in your current home and enjoy similar living standard or would they have to downsize? Have you ever considered what would happen if they lose your income? Would it change the course of their lives?

If you are unsure as to whether or not to purchase life insurance, these are a few questions you might need to ask yourself. Having a life insurance policy is just a part of what is needed to provide protection to your family. Buying enough life insurance is crucial if you really want to leave your family in a situation where they can continue to succeed after you are gone.

Why you Need Life Insurance?

Life insurance policies are designed to help protect your loved ones financially for these situations. One specific life insurance policy that was designed specifically to take care of your mortgage in the event of a life-altering disease, disability or death is mortgage life insurance. This type of life insurance can make sure that your family will remain in your home if your health affects your ability to earn money or you meet an untimely death.

Mortgage life insurance is essential to repay the mortgage of your house in the event that you cannot work and have income or if you die. This gives your loved ones peace of mind knowing that they can still continue to thrive even when you are gone. This type of life insurance will cover the amount of your loan, so there is no need for your family to struggle with the payment. No matter what happens to you or to your health, this coverage will ensure that your home will be fully repaid.

Let your Family Enjoy a Mortgage-free Home

In the event that you become incapacitated or die, you do not have to worry about the cost of the mortgage payment, as the insurance policy will cover your entire loan. Also, most mortgage life insurance policies these days provide coverage that works when you are unable to work or disabled. This just means that you do not have to die to take full advantage of its service.

The Term Life Insurance Advantage

While many opt for mortgage life insurance, a lot of individuals and families have also recognized the benefits of term life insurance. This another type of life insurance allows you to obtain a policy that is big enough to replace your income, provide for your family and cover your mortgage. This allows you not only to pay off the mortgage but also provide cash benefits for your family to cover other costs.

Term life insurance allows your family to obtain cash they can control or use in any way seems fit. They can certainly use the funds in paying off the mortgage, but it can also provide them a way to pay for other expenses they might need.

Purchasing life insurance is absolutely one of the most important financial decisions you can make for your family.

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What to Look for When Buying a Cheap Blow Up Spa

Posted by on Jul 18, 2016 in Home Improvement | Comments Off on What to Look for When Buying a Cheap Blow Up Spa

cheap blow up spa

If you love visiting a spa center whenever you need to relax and unwind, then you should consider buying yourself a blow up spa. These types of spas provide a convenient and affordable way for you to enjoy a luxurious spa experience from the comfort of your own home. They are quickly gaining popularity because of their affordability, portability and ease of set up and storage. They also come in a wide range of prices and features, so getting one within your budget shouldn’t be a problem. To ensure you end up with the best product for your needs, here’s what to look for when buying a cheap blow up spa:

Size

Size is a very important consideration when buying a cheap blow up spa because it determines the number of people that can use it at once, as well as whether it will fit properly in the available space you have at home. So, choose the right size with these factors in mind. One of the best things about these types of spas is that they can be placed anywhere outdoors or indoors, as long as the surface is flat and strong enough to support their weight when filled with water.

Construction Material

Even if you’re buying a cheap spa, you still need to ensure that the construction material is durable enough to serve you for some years to come. Most of them are made largely from vinyl, faux leather and other synthetic materials, which are not as tough as glass fiber, wood or porcelain used in making permanent spas. However, they are robust enough to accommodate the weight of the water plus the recommended number of people.

Warranty

Also make sure that the spa you’re buying is backed by a decent warranty. Should anything go wrong, a warranty will protect you from making unnecessary repairs or replacements. Be sure you know exactly what is covered in the warranty to avoid last minute disappointments or surprises.

Top Cover

Most cheap and basic spas do not come with many added features. However, if you can find one with a top lid or cover, that would be great. Covers are very important since they help to keep out debris from the spa. So if a top is not provided, make arrangements to buy one separately.

Number Of Jets

Depending on your personal preference, you can either choose a blow up spa with a handful of jets to offer mild turbulence in your water, or many jets to provide you with full massaging benefits.

Heating System and Heat Retention

Always go for a spa with a reliable and efficient heating system that kicks in immediately you power it and put it on. In addition, the product you choose should also be capable of retaining heat for a reasonable amount of time. A spa with a top cover and thermal ground cloth retains heat much better than that without these features.

Cleaning and Maintenance

Lastly, ensure that the material of the spa you buy is hard to stain and easy to clean. You also need to keep way pointed surfaces and sharp objects from your spa, as they will prick and puncture it very easily. If you take proper care of your spa, it will last longer to serve you for a very long time.

Bear these important features in mind the next time you go shopping to help you find an affordable and reliable blow up spa where you can relax and unwind anytime you want.

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Landlord Insurance Policies

Posted by on May 8, 2016 in Property Insurance, Real Estate | Comments Off on Landlord Insurance Policies

student accommodation

If you are looking to rent out your property, it’s a no brainer that you need landlord insurance. You never know when disaster will strike and that is the key reason why you should always be prepared by having a flexible landlord insurance policy. There are many landlord insurance policies out there and it’s important to note that not all of them are the same. Some provide more coverage than others. Landlord insurance policies are tailor made to cover your property against damage, fire, terrorist attacks, loss of rent and much more.

And that is not all; the policy can also cover the tenants who rent out your property so that in case any of them is injured and you are legally responsible you won’t have worry about settling their medical bills. Without doubt, there are many landlord insurance policies out there which have been designed to make the process of running your business a stroll in the park. The insurance premiums may be expensive, but not as expensive as when disaster strikes and you lack coverage.

Landlord insurance policies vary when it comes to price because of several factors. They include the value of the property, number of property being covered and much more. However, they are pocket friendly and can be easily afforded by any property owner. Here are a few tips to help you get the best coverage from the many landlord insurance policies which have flooded the market.

– Go Over Policies Keenly

Before settling on any kind of landlord insurance policy, it is important to keenly go over the policy so that you clearly understand what your property is covered against. Without knowing what each policy has to offer, you will be unable to make a sound decision when choosing a policy to cover your property. For instance, if the insurance policy that you have chosen only protects your property against fire and other forms of damage, the insurance company will not compensate you if your property is destroyed during a terrorist attack. Be very careful so that you don’t end up paying expensive premiums while your property is not fully covered. By going over landlord insurance policies keenly, you will be able to point out which policy you can add to your basic plan so that your property is fully covered in case of any unfortunate event. If you can’t seem to find the type of insurance policy which will take care of all your needs, you can try and negotiate with the insurance companies which you have selected so that they can create a custom plan to fully cover your property.

– Compare And Contrast

Landlord insurance policies are not the same. It is advisable to settle for a landlord insurance policy which has many benefits to offer. For instance, some landlord insurance policies go as far as covering even your home. If you don’t compare and contrast what the policies have to offer keenly, you might be missing a lot of benefits insurance companies offer to woo their clients.

Hopefully, you have learned something new about landlord insurance policies and that you will implement the tips that have been shared in this article.

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Japanese Knotweed Removal is Possible, But Here’s What Landowners Need to Know

Posted by on Apr 5, 2016 in Real Estate | Comments Off on Japanese Knotweed Removal is Possible, But Here’s What Landowners Need to Know

japanese knotweed removal

The Japanese Knotweed plant now spreads relentlessly after being introduced in the UK by an unsuspecting plant hunter who thought it was a highly desirable garden plant. The Japanese knotweed does not spread by seed because it’s an infertile plant. But it does so in a vegetative way.

The Japanese Knotweed plant has found dominance in the UK due to frequent transportation of building site excavation debris, garden waste, and rubbish from one infected area to a landfill site and to other areas thereafter.

Railways, embankments, waterways, building sites, roadside verges, and gardens form a good environment for this weed to thrive on.

If you do some research on the native land where Japanese Knotweed first grew, you notice that the weed has a few ‘’predators’’ like insects and diseases that control its spread. These ‘’predators’’ have managed to keep the problem confined. However, in the United Kingdom, no such thing exists. It is for this reason that many landowners are now increasingly getting interested in Japanese Knotweed removal Manchester services.

Lab experiments on natural Japanese Knotweed removal 

Some lab experiment depicts that a small insect can now be released into the vegetation to feed on the plant and confine it or hopefully eliminate it. But there are also fears that if this insect is introduced, it will turn its attention on useful Japanese Knotweed varieties like the Polygonum and the Persicarias.

The challenges it poses to landowners

This plant is treated as a garden weed, although it can cause many problems when it invades lawns or crosses borders.

The small fragments cut during mowing of grass and other vegetation can spread to an uninfected area, thus contaminating it with fresh growth. Also, the lawn mowing content can be transported and dumped in other areas during garden maintenance operation. If the garden operator in question is practicing fly-tipping, chances of infecting other areas is quite high.

The structural damage that this weed causes in the UK

The Japanese Knotweed causes a serious problem for landowners who have buildings and structures in various parts of the country. Once it gets hold of the ground, it spreads and finds its way into the foundation of buildings, footpaths, and patios.

The stems can dive underneath the soil to a depth of 3 meters. In fact, cases have been reported on this weed growing through the floorboard of living rooms after homeowners ignore its presence when building their homes.

Japanese Knotweed removal services

It can be controlled or completely eradicated with the right method. What is more, it is the responsibility of the landowner to confine or eliminate it.

When you notice the invasion of this weed on your property, calling the local council does not help. However, if you have provable evidence that the weed was introduced on your premises by a load of topsoil, then someone probably has a case to answer.

Also, if you’re in a new property and you happen to notice the plant, chances are that your builder will also have a case to answer.

Finally, it should be noted that the Japanese knotweed doesn’t die when you compost it. In fact, it’s a total waste of time, and will probably lead to a host of other problem when you choose to transfer that compost to your garden. Therefore, the safest way to eradicate it is to have Japanese Knotweed removal experts work on your land to kill the plant completely.

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Double Glazing: The Benefits

Posted by on Mar 11, 2016 in Home Improvement, Real Estate | Comments Off on Double Glazing: The Benefits

new house with double glazing

Also known as protected glazing, double-glazing is the process where doorways and windows are created from panes of glass with a level of gas closed between them to form a layer of insulation. In cheap glazed units, the opening could be full of ordinary atmosphere, but in more efficient models gases for example Xenon and Argon are utilised to supply extraordinary functionality. The sealed device was made to reduce heat and sound transmission, causing more benefits than conventional glass models. A number of the most popular benefits of double-glazing contain:

WINTER RELAXATION AS A RESULT OF RESTRICTED TEMPERATURES

Double glazed windows protect your house against extreme temperatures by maintaining the heat out in summer and maintaining a higher percent of light during winter. This removes the need for cooling and heating systems-which which are generally not nice to numerous people on account of dirt and sound annoyances.

REDUCED CONDENSATION

Condensation occurs when warm-air cools right down to form wet which accumulates on glass items to to make a significant quantity of water that can damage structures. When a window or door h AS single glazing, the awesome temperatures on the exterior are easily utilised in the interior and when this happens, the wetness may trickle-down and ruin wood window casings, walls or act as breeding-ground for mould.

The inert-gas found in double-glazed units removes this difficulty through making sure that the inside glass is kept at room temperature to stop wetness formation.

MINIMUM INSIDE DAMAGE

Double glazing is produced from glass mixes that restrict the transmission of ultraviolet rays to the space, reducing the probability of the sunlight harmful furniture, pictures and other items within your house. When a tinted-glass is utilised on the outside of the doorway or window, the transmission is further eliminated by nearly completely.

SOUND INSULATION

Glass units give a-channel for noise to permeate into properties, and this could affect relaxation, concentration and efficiency of people located in a large populated area or near a busy road. Hard units bring soundproofing abilities which provide additional insulation against outside noise producing a calmer, quieter environment. It also reduces the noise levels in your property, which means you may not have to be concerned about disturbing your neighbours.

INCREASED SECURITY

For their tight-sealing, double glazed units are harder to break than single glass models. Even when damaged the pieces remain in place protecting your home from intruders. Security might be increased with the use of toughened or laminated glass substance.

LOW-ENERGY USAGE AND COSTS

Double-glazing increases the lifespan of doors and windows, and because there is less demand for heating systems, energy consumption is considerably reduced, resulting in less power usage. The models also contribute to a decrease in greenhouse emissions, improving the power evaluation evaluation in your residence.

GREATER RE-SALE VALUE

Double glazing units boost the re sale value of older houses. Most buyers favour homes that are economically protected and scarcely go for those with solitary glass models.

Double glazed units are available in numerous substances and home-owners make selections depending on budget constraints and the way much maintenance is demanded. The many ordinary window frame for such units is uPVC, which will be not only cheaper than conventional wooden frames but additionally durable, recyclable and simple to wash.

This is a guest post from FAB Systems Ltd, who are double glazing installers in Stoke on Trent.

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