|
|
|
13 Extra Costs to be Aware of Before Buying a Home
Whether you're looking to buy your first home, or trading up to a larger one, there are many costs - on top of the purchase price - that you must figure into your calculation of affordability. These extra fees, such as taxes and other additional...
Determining Your Home's Value
Determining your home's value, and setting a price, is probably the most important step in selling your home. Why? Because if your home is overpriced for your area, no matter what the cost of improvements that you have made on your house, buyers...
Part VI: Home Buyer Terms and Definitions
Recording Fee - A charge for recording the transfer of a property, paid to a city, county, or other appropriate branch of government.
Real Estate Settlement Procedures Act (RESPA) - A federal law requiring lenders to provide home buyers...
Selling a Home – What Personal Property Stays?
The home selling and buying process can be confusing, particularly when it comes to figuring out what items stay with the home. This is especially true when it is a FSBO (for sale by owner) operation. It’s even tougher when neither the seller nor...
Utah Real Estate – Mother Nature’s Masterpiece
Mother nature has done some amazing work in Utah. Fortunately, you can live in the middle of the masterpiece with reasonable prices for Utah real estate.
Utah
Utah is a state of open desert in the south and raging mountains in the north....
|
|
| |
|
|
|
|
|
|
Home Fire Safety
Home Fire Safety
By Erby Crofutt, B4U Close Home Inspections www.b4uclose.com
Is your home as Fire Safe as you can make it?
The answers to these questions will help determine if your home is as safe as
you can make it.
* Do you have the right kind of Fire & Smoke Detectors?
* If your house has natural gas, propane or oil service, or a fireplace/wood
stove, do you have Carbon Monoxide Detectors?
* Are the detectors in the right places?
* Did you replace the detectors when you moved into your home and at least
every 10 years thereafter?
* Do you test the detectors on a monthly basis?
* Have you replaced the detector batteries recently?
* Do you have the right kind of Fire Extinguishers in the right places?
* Do you have a fire escape plan and practice it with your children?
* Do you have a fireproof container for all your really important documents?
(Birth Certificates, Stocks, Wills, precious drawings from school, etc)
* Do you have a residential fire sprinkler system in your house?
(These are mostly found in newer homes. They typically cost $0.60 to $1.00
a square foot in new homes (about the same as a carpet replacement) and can
greatly reduce both fire and water damage. Only heads exposed to the fire
start spraying water. The 15—18 gallons a minute from the sprinkler system
are significantly less than the 75—250 gallons from the firefighter’s high
pressure hose! Costs to retrofit a home with a sprinkler system will be
higher.)
Smoke Detectors:
There are three basic types of residential smoke detectors, all with different
means for detecting smoke and fire, different types of fires they detect best,
and different replacement reasons & needs.
* Ionization Smoke Detectors powered by batteries are the most common kind and
economically available at most local hardware and discount stores. They can
be mounted easily in just about any location. They use a small radioactive
source (not harmful to humans) to cause the air inside the detector to be
capable of carrying electric current. As particles of smoke enter the
detector they block the flow of electricity. Low electrical current causes
the alarm to sound. These detectors work best on flaming type fires (wood,
paper, etc) and react a little slower on smoldering fires (mattresses,
couches, etc). Batteries need to be replaced occasionally. If your detector
starts making a chirping sound every so often, you need to change
the battery. A general recommendation is to change these batteries every six
months, usually timed to a major event like springing forward to daylight
savings time or falling back to normal time. (Some newer smoke detectors
come with a 10 year Lithium battery that eliminates the need to change
batteries.) Remember battery powered detectors operate even during power
failures.
* Photoelectric Smoke Detectors use a light sensitive photocell to detect smoke
inside the detector. They usually require a connection to an electrical
supply but are also available with a battery backup. A light bulb puts out
a beam of light. The photocell is hidden from direct exposure to the light
beam. Smoke entering the detector causes the light beam to be reflected in
several directions. The photo cell detects the reflected light and
causes the alarm to go off. These detectors work best on smoldering fires
and react a little slower on flaming type fires. The light bulbs need
replacement every few years.
* Thermal Detectors, usually requiring a connection to an electrical supply,
react to heat rather than smoke. A fire must raise the heat level near the
detector to cause the alarm to go off. This type of detector is
primarily used in dusty, dirty environments usually found in industrial and
commercial applications. This is the type of detector that most fire
sprinkler heads use to detect heat, pop, and start spraying water. This
detector would be good near a cooking stove where an ionization or
photoelectric smoke detector might cause false alarms.
Where Should You Put Smoke Detectors?
The National Fire Protection Association (NFPA) recommends smoke detectors in
every room; unfortunately that doesn’t fit everyone’s budget abilities.
* In a hallway near several bedrooms, or even in each bedroom, is the most
important placement as most fires occur during sleeping hours.
* In the basement, preferably on the ceiling near the basement stairs.
* In the garage, over the door to the house, is a needed location because of
all the combustible materials we store there.
* If your house has more than one level, there should be at least one detector
on each level.
Put the detectors on the ceiling or on the wall with the top of the detector
between six to twelve inches from the ceiling. DO NOT put detectors on walls or
ceilings within six inches of the ceiling/wall corner. There is very little
circulation within this dead area. DO NOT put them near heating and air
conditioning supply & return vents.
Why should you replace your smoke detectors every 10 years?
The NFPA recommends, and some cities Fire Codes require, that smoke detectors be
tested at least monthly and replaced when they fail to respond or every 10 years
maximum. In addition, most manufacturers now mark their detectors for a maximum
life of 10 years. Why do they need to be replaced every 10 years? 10 years is a
somewhat arbitrary figure, developed by the Consumer Product Safety Commission
(CPSC) but, as with any equipment you buy (TVs, VCRs, etc), parts start breaking
and failing as the equipment ages. This includes smoke detectors. Sometimes
stuff just breaks without us noticing (in the case of smoke detectors, it’s
sometimes to late). The detection chamber gets clogged with dust & other
airborne debris. In addition, as detectors age the sensitivity settings
tend to drift toward being more sensitive causing more false alarms and people
tend to disconnect the power supply on those detectors. A 1994 CPSC study
found that sixty percent of detector failures were caused by the power
supply (electricity or batteries) intentionally being removed due to problems
with false alarms. Fifty percent of the failed detectors were more than 10
years old. The fact that some older detectors were made to be more
sensitive also resulted in their disconnection from power.
Always replace your detectors whenever any of the following occur.
* The detector fails to respond to the monthly test and it has power.
* The detector has gotten wet, been painted, or has other physical damage.
* The detector has been exposed to a fire or large amounts of grease
(kitchens!)
* The detector causes several false alarms without apparent
cause.
When you move into a used home, you have no way of knowing how old the detectors are.
B Safe—B Sure—B4U Close. Replace them when you move in.
Carbon Monoxide (CO) Detectors
Carbon Monoxide kills silently and sneakily. It is a colorless, odorless gas
that is a byproduct of fossil fuel burning. It can be generated by wood stoves,
fireplaces, appliances that use natural gas, propane or oil such as furnaces,
space heaters, dryers, kitchen ranges, or other open flame appliances. Normally
the gases generated by burning are vented safely outside the house, however
blocked vents or not enough oxygen to the burners can quickly cause elevated
levels of CO.
The best defense is a good offense.
* Check your fireplaces & wood stoves for closed or blocked flues.
* Have a qualified chimney sweep (find one at www.csia.org) inspect chimneys
and vents yearly for cracks, blockages (e.g., bird's nests, twigs, old
mortar), corrosion or holes.
* If you want to enclose a furnace or water heater in a smaller room make sure
there is plenty of combustion air available.
* Have a Heating & Air Conditioning contractor check your fuel burning
appliances, before cold weather sets in. Make sure they are in working
order.
* If you have a downdraft cooktop, such as a Jenn-Aire, or a powerful kitchen
ventilation fan over the stove, make sure make sure it doesn’t pull fumes
back down your wood stove flue or chimney.
* Don’t use gas or propane cooking stoves or ovens to heat your home.
* Don’t use barbecue grills inside the garage or house. Not even charcoal
grills.
* Open your garage door before starting the car in the garage. Back the car
out of the garage right away and close the door. Not doing so can draw fumes
into the house. Nor should you use a remote starter if the car is in the
garage.
* Don’t run gasoline engines in a garage or house.
* Don’t use a kerosene fueled space heater in a garage or house. If you
absolutely have to, make sure there is plenty of ventilation and combustion
air by opening windows or doors. When you have to put more fuel in the
heater, cool it down first and take it outside to refuel.
* Clean the ductwork for the gas clothes dryer regularly. Also check it for
blockage by snow, plants or lint.
CO is sneaky. CO hurts you by rapidly accumulating in the blood stream which
depletes the bloods ability to carry oxygen throughout the body. Even at low
levels, carbon monoxide can cause serious health problems.
Some of the symptoms of CO poisoning are similar to those of the flu, i.e.
headaches, nausea, fatigue, dizzy spells, etc. If you may have been exposed to
CO and feel like the flu bug bit you, you should also ask your doctor to check
you for CO poisoning.
Battery powered and electrically connected CO detectors are available that
can detect CO at levels as low as .01 percent.
Follow the manufacturer’s recommendations in placing & testing CO detectors.
They are generally placed near sleeping areas and the home’s furnace.
Most manufacturers recommend testing CO Detectors weekly and replacing them
every five years. Just like smoke detectors, they wear out and fail.
How Should You Respond to a CO Alarm?
* DO NOT IGNORE the CO Detector’s alarm if it sounds. CO Detectors should
sound an alarm before a healthy adult feels any effects from CO. Treat each
alarm seriously.
* Get everyone, including pets, out of the house. Count heads to make sure
everyone is out.
* If flu like symptoms are present, call 911. If there are no health problems
call your heating contractor, gas company or fire department to have your
house tested.
* DO NOT ventilate your home, reset the CO detector, or turn off fuel burning
appliances unless it is an apartment, duplex or other multifamily type home.
If it is, the safety of your neighbors is more important than finding the CO
source. (Many CO alarms have been designated false alarms because the
homeowner ventilated the home and turned off the fuel burning equipment
before the source could be traced.)
* DO NOT go back in the home until the testing technician tells you that it is
safe to do so.
If you need a CO Detector and you have it, you’ll be glad you had it.
If you need a CO Detector and don’t have it, you may never know the difference,
but your relatives will!
Fire Extinguishers
Neither one extinguisher nor one type of extinguisher is adequate to protect
your home. In a three bedroom home with a basement and a garage, I recommend
that you have at least four extinguishers.
1. One Class B extinguisher (meant for grease, gas & other flammable liquids)
in the kitchen. Don’t keep it to close to the stove. You don’t want to
reach into a fire to get the extinguisher.
2. One Class A extinguisher (meant for wood, cloth, paper, plastics, etc) in
the garage.
3. One Class A extinguisher near the bedrooms.
4. One Class A extinguisher in the basement.
Only try to fight minor blazes. If it becomes a serious fire, GET OUT!
Call 911 from a neighbor’s house.
Fire Escape Plan
1. Draw your homes floor plan being sure to include all doors and windows.
2. Determine at least two exits from every room.
3. Make sure every person living in the home is familiar with the fire escape
plan.
4. Designate a meeting place outside the house so you can easily determine that
everybody made it out. (Some mommies, daddies & firefighters have been
seriously injured or killed trying to get back in to a house to get a child
who was already out of the house.)
5. Place fire ladders in rooms that are to far above ground to jump.
6. Practice your fire escape plan at least once a year.
B Safe—B Sure—B4U Close. Plan for your family’s fire safety.
This information is my opinion based on my research and education. It is
provided for general information purposes only. Any actions you take based on
this information is your responsibility. I suggest that you consult a
specialist in the particular field to determine the best practices in your
particular situation.
Find your Home Inspector at:
WWW.KREIA.ORG (502)-412-9699
WWW.NACHI.ORG (800)-448-3942
WWW.FindAnInspector.us
About the author:
Erby Crofutt owns B4U Close Home Inspections (WWW.B4UClose.com ) in Georgetown,
KY, and is a member of the Board of Directors of the Kentucky Real Estate
Inspection Association. (KREIA). He conducts Home Inspections in Central,
Northern, and Eastern Kentucky. He can be reached by phone at 502-570-4054,
by mail at B4U Close Home Inspections, 104 Lawson Drive, Suite 103-400, Georgetown,
KY or by e-mail at erby@b4uclose.com
|
|
|
|
|
| Real Estate, Property, Land and Homes for Sale, lease and rent ... |
| Comprehensive real estate and property listings. Includes information on buying and selling, tips on building, an auction timetable and other helpful ... |
| www.realestate.com.au |
|
| Real Estate | Homes for Sale | Houses for Sale | MLS Listings ... |
| RealEstate.com provides home listings , homes for sale , REALTORS , house listings , apartment locating services. We have Florida real estate , Texas ... |
| www.realestate.com |
|
| REALTOR.com: Real estate listings & homes for sale |
| Search for a new home or find mortgage rates, real estate agents, and relocation services throughout the US, Canada, and Puerto Rico. |
| www.realtor.com |
|
| Real Estate on Yahoo! Real Estate - Homes, Mortgage Rates, School ... |
| Yahoo! Real Estate is the most comprehensive place for real estate, housing market information, school reports, local mortgage rates and more! |
| realestate.yahoo.com |
|
| Find Your Home Value, House Values and Prices on Yahoo! Real Estate |
| Yahoo! Real Estate - Free instant home values and comparable home valuations for millions of houses. Check your home's price or any house value. |
| realestate.yahoo.com |
|
| Real Estate, Houses for Sale, Rentals, Commercial and Businesses ... |
| Real Estate, Houses for Sale, Rentals, Commercial and Businesses for sale at Realestate.co.nz. |
| www.realestate.co.nz |
|
| Real Estate - Buy, Sell or Rent a Home - New York Times |
| Online real estate listings for properties in New York and nationwide. |
| www.nytimes.com |
|
| Century 21 Real Estate Agents and Brokers |
| Agency with franchised offices throughout the United States, Canada, Europe, Latin America, the Middle East and Asia. Find local offices and agents, ... |
| century21.com |
|
| Zillow - Your Edge in Real Estate |
| Zillow provides a free Home Valuation Tool for Real Estate enthusiasts. Whether you're an agent, broker, buyer of investment property or first time ... |
| www.zillow.com |
|
| STLtoday - Homes |
| Real estate agent revels in the boom in downtown St. Louis living ... [more real estate news as seen in the St. Louis Post-Dispatch] ... |
| www.stltoday.com |
|
| Real estate - Boston.com |
| Boston Real Estate - Search the Boston Globe and Boston.com for Massachusetts Real Estate, Boston Condos, Land for sale, Vacation Rentals and more. |
| www.boston.com |
|
| ABCs of Real Estate |
| Real Estate ABCs consumer tips, hints, and resources for home buyers, sellers, and mortgage borrowers. |
| www.realestateabc.com |
|
| washingtonpost.com - Washington DC real estate, Maryland real ... |
| Washington, DC, Virginia and Maryland homes, real estate news and headlines. [Registration required] |
| www.washingtonpost.com |
|
| Coldwell Banker Real Estate Corporation |
| Real Estate from Coldwell Banker ®. Buying a home, selling a home, or finding a real estate agent is easy with Coldwell Banker. Find a home, sales associate ... |
| www.coldwellbanker.com |
|
| Detroit News Online | Real-Estate |
| Sellers around the state have been frustrated with the slow sales patterns of Michigan real estate over the past year or two. But buyers have been enjoying ... |
| www.detnews.com |
|
| Newsday.com - Long Island Real Estate for Nassau County and ... |
| In a real estate market increasingly defined by niches, ... Real Estate Resources. Search by school district for recent home sales in Nassau and Suffolk ... |
| www.newsday.com |
|
| Real Estate for Sale, Rent and Share @ Domain.com.au |
| Real Estate for Sale, Rent and Share @ Domain.com.au. Houses and apartments for sale or rent all over Australia. Thousands of properties in Sydney, ... |
| www.domain.com.au |
|
| Luxury real estate news and features - Forbes.com |
| Luxury real estate news and features at Forbes.com. Core topics include real estate, mansions, condos, co ops, oceanfront realty, second homes, ... |
| www.forbes.com |
|
| Real Estate News - Prices, Mortgages, and Calculators from CNNMoney |
| Latest on mortgages, refinancing, & home tips from CNNMoney.com. Calculators for refinancing, mortgage payments and more. |
| money.cnn.com |
|
| Los Angeles, California, national and world news, jobs, real ... |
| Los Angeles' leading online source for local, state, national, world, entertainment, and sports news. Plus jobs, real estate, cars and shopping information ... |
| www.latimes.com |
|
|