Sump Pump Selection: What Size, Type & Backup System Do You Need?

Complexity can Add Risk

Before I get into the meat of this article, let me stress that the premise I’m writing on is generally true but not a hard, fast rule. When it comes to construction and common building practices, the more complex a home is, the more risk there is that comes into play… usually. However, with proper maintenance and care, complexity does not have to be a negative thing.

In general, simplicity with construction means a lower likelihood that problems may develop, whereas complex features and design often create more weak areas that are prone to defects. This is good on one hand since simplicity is easier and saves cost, but bad on the other since complex features usually make homes more appealing in terms of layout, aesthetics and uniqueness. We all want both – luxury with low risk – but as is the case with most things, it’s often difficult to achieve both without a little extra work. Here are a few examples of some nicer features that present more risk and require more maintenance…

Skylights and Chimneys: Chimneys and skylights are very nice features that most homeowners would like to have. Unfortunately, they are also very prone to leaking, which can lead to interior or structural damage. Chimneys and skylights are often not flashed properly, or their flashing has deteriorated and allowed leaking to develop over time. The penetrations aren’t areas most homeowners ever inspect, so the problem usually isn’t detected until it’s become severe and obvious. Typically, there are four sides that need adequate flashing at penetrations, and some contractors unfortunately cut corners during installation. If you have or desire either or both of these nice features, be sure that the installer is reputable and that you continually monitor the penetrations for leaks that may arise and would need dealt with immediately.

Complex Wall and Roof Design: A house that is a simple rectangular or square shape with a gable roof is less prone to problems because of its simplicity. Of course, this traditional design is rather boring to many people, so more complex designs are often more sought after. With more angles, corners, and other transitional design elements, though, comes more weak areas that require special attention and skilled installation to hold up well. A more complex roof may require additional step flashing, kickout flashing, ice and water shield, a saddle (“cricket”) or other additional components to ensure a highly leak resistant barrier. I recently helped a friend repair roof leaks at two corners where a roof saddle adjoined the wall of a house addition with a higher roof; and the leaks wouldn’t have existed in either area if the roof transition didn’t exist. A complex roof design can also make insulating more challenging, especially if the attic space is or will be finished. Likewise, nicer features in the walls like bay windows or the use of different types of siding require extra planning and skilled work to prevent potential defects. In short, more complexity means more appeal but also a greater risk and need for upkeep.

Layout: Layout can also present problems if the design is not simple, particularly with plumbing. Ideally, bathrooms, the kitchen and the laundry area are close or on top of each other, if on separate floors, so plumbing runs are simple, efficient and as short as possible. If rooms with water fixtures are spread far apart, more supply and waste piping is necessary, which means more area for leaking or other damage to occur.

Jetted Tubs: Whirlpool tubs are another great example. While jetted tubs are certainly a nice luxury item, they can cause some headaches if they’re not maintained properly. The jets tend to fill with grime deposits that are quite unsightly and unsanitary, and they need to be cleaned often if you want your bath water to be clean and your tub to remain in a good state of repair.

Technology: Technology also fits the bill of fancier and more convenient but often more prone to issues. I remember an SUV I had years ago. The side mirrors had smaller circular mirrors for the blind spot. I loved this feature and knew the mirrors were always reliable since they were actual mirrors I could see. The next model I got had lights instead of mirrors, which seemed nicer but actually caused me more worry because I constantly feared that the electronics would malfunction or the lights would go out without me knowing. I no longer own either vehicle, but I would have taken the older, less fancy model over the newer one any day. The same is true for some modern advancements in home technology. Most of these advancements provide major improvements over their older predecessors, such as programmable thermostats that save a lot of money in heating and cooling costs, and doorbells, thermostats, garage door openers, cameras and other items that can be remotely controlled from virtually anywhere. These units offer amazing benefits, but their complexity places them beyond the skills of a typical homeowner if a repair need arises.

Fancy design and luxury features are certainly nice and are desireable for good reason. However, they often also mean a greater risk for potential problems and require more diligence and care. If you already have some of these features or are considering investing in them, be sure that you weigh the pros and cons, knowing that fancier often means riskier. Also know, though, that those risks can typically be well managed with a little extra care and attention if you’re realistically willing and able to devote some extra time to monitoring and maintenance. You likely wouldn’t regret having a nicer home with luxurious features, but you should commit to giving such a home the due diligence it deserves.

*To visit our main website, go to http://www.hillinspections.com

New Offering: Home Energy Report!

I’m excited to announce that we have a new (and amazing) offering here at HPI – a Home Energy Report. For a mere $50, you can add this highly valuable report to your home inspection package, and it’s hands-down one of the best add-ons you could choose!

During the inspection, we collect data from many points related to the home’s approximate energy usage and cost. This includes, but is not limited to: the age and square footage, number of occupants, direction the house faces, appliance information, types and amounts of insulation, window and door data, duct insulation, the number and types of lights, and much more. We compile that information in an advanced calculating tool, which populates zip code specific climate and cost information. The result is a highly detailed report that provides you with recommended energy improvements (in order of priority), as well as estimated cost savings and the approximate amount of time it will take for you to recoup your investment.

The report also contains several maintenance and upgrade tips and even a free energy eBook. All in all, the report is an amazing value. It’s one of the most helpful reports you could possess related to your home and allows you to formulate a smart action plan for improving energy efficiency and comfort, the value of your home, and cost savings over time.

If you’re a new HPI client or considering us for your inspection needs, don’t miss out on this huge benefit! Be sure to request a Home Energy Report as part of your inspection package; the value of the report is worth so much more than its low initial cost!

*To view a sample Home Energy Report, go to http://energytool.nachi.org/my-report/268b94e-mpiolh

*To visit our main website, go to http://www.hillinspections.com

Warranty Spotlight: MoldSafe

For these warranty posts, the first few paragraphs are nearly identical since they cover necessary information related to each warranty or protection plan. If you have read these paragraphs, feel free to skip ahead to the plan details in each upcoming article.

Here at HPI, we offer a free, zero deductible 90-Day Home Warranty to all home inspection clients for added protection and peace of mind. In addition to the home warranty, we offer three additional free protection plans, including the MoldSafe plan that I’ll review here. These warranties are provided through Residential Warranty Services (RWS), a premier residential warranty company with a proven track record of exceptional service. Every one of our home inspection clients is automatically enrolled in every one of these plans, and we take care of everything on our end so you have to do nothing! Read about the MoldSafe plan and the other free plans we provide, and you’ll quickly see that at HPI we’ve got you covered!

The protection plans are similar to insurance policies for different components but with one major benefit. Just like an insurance policy, each plan has a deductible and a maximum (aggregate) amount of coverage if you file a claim; but unlike an insurance policy, you do not pay a premium! If you don’t have a claim, you never pay money; but if you do have a claim you’ll likely end up paying far less than if you had to be paying premiums all along. With the 90-Day Home Warranty there is no deductible, but the other protection plans do have a deductible if a claim is filed. Either way, having these plans provided for free and with no premiums is a huge benefit!

Since the protection plans are not insurance policies, they do not cover damage resulting from insurance covered events (fire, flood, lightning, vandalism, etc.), and any such claims should be filed under your homeowners insurance policy. They also don’t cover damage resulting from negligence or normal wear and tear. The warranties are there to help in other cases to provide you with broader protection.

Now to MoldSafe… the MoldSafe plan is in effect for the same period as the Home Warranty – 90 days after the date of inspection or 22 days after closing, whichever comes later. MoldSafe covers the remediation (removal) of any visible mold that arises during the warranty period and was not present at the time of inspection. This is very important considering the adverse health affects associated with mold for some people. In addition, the presence of visible mold means there is a water problem, which would need corrected immediately to prevent potential structural damage.

The MoldSafe plan carries a deductible of $300 and an aggregate (maximum) coverage amount of $2,000. If you do need to file a claim, mold testing will need to be done, which we can take care of for you with our complete or limited mold inspections (see the FAQ page of our main website for more details on our limited and complete mold inspections.

When you choose Hill Property Inspections, you get this and several other free protection plans completely free of charge! That translates to exceptional value and peace of mind when you need it most, which is why we proudly proclaim that we offer the best value home inspections in Western Pennsylvania. At HPI, we’ve got you covered, and at a great price!

*To learn more about the free warranty and protection plans, go to http://www.hillinspections.com/free-protection-plans

*To visit our main website, go to http://www.hillinspections.com

Warranty Spotlight: SewerGard

For the next couple blog posts, the first few paragraphs will be nearly identical since they cover necessary information related to each warranty or protection plan. If you have read these paragraphs, feel free to skip ahead to the plan details in each upcoming article.

Here at HPI, we offer a free, zero deductible 90-Day Home Warranty to all home inspection clients for added protection and peace of mind. In addition to the home warranty, we offer three additional free protection plans, including the SewerGard plan that I’ll review here. These warranties are provided through Residential Warranty Services (RWS), a premier residential warranty company with a proven track record of exceptional service. Every one of our home inspection clients is automatically enrolled in every one of these plans, and we take care of everything on our end so you have to do nothing! Read about SewerGard and the other free plans we provide, and you’ll quickly see that at HPI we’ve got you covered!

The protection plans are similar to insurance policies for different components but with one major benefit. Just like an insurance policy, each plan has a deductible and a maximum (aggregate) amount of coverage if you file a claim; but unlike an insurance policy, you do not pay a premium! If you don’t have a claim, you never pay money; but if you do have a claim you’ll likely end up paying far less than if you had to be paying premiums all along. With the 90-Day Home Warranty there is no deductible, but the other protection plans do have a deductible if a claim is filed. Either way, having these plans provided for free and with no premiums is a huge benefit!

Since the protection plans are not insurance policies, they do not cover damage resulting from insurance covered events (fire, flood, lightning, vandalism, etc.), and any such claims should be filed under your homeowners insurance policy. They also don’t cover damage resulting from negligence or normal wear and tear. The warranties are there to help in other cases to provide you with broader protection.

Now to SewerGard… this great plan covers failures (collapse, breakage and severe leaks) of the water and sewer lines outside your house. If you have a public water supply and waste system, that means the single lateral water line from the utility connection to your meter or main shut-off inside the house and the sewer line from the exterior wall to the wastewater collection point. If you have a well and septic system, that means the water line from the well to your house (excluding any piping 5 feet or farther underground) and the sewage pipe from the exterior wall to the septic tank.

If you have a claim, the deductible for SewerGard is $300, and coverage is $2,000 per occurrence with an aggregate (total) coverage amount of $4,000. SewerGard is such an important and highly valued plan that it’s the only plan we offer through Residential Warranty Services that gives you the option of continuing the coverage on a monthly basis after the initial 90 day period. For a mere $12.95 per month, you can continue your SewerGard coverage after the free period has expired.

The point I made earlier about having no “premiums” with these plans pertains to that initial 90 day period, excluding the Platinum Roof Protection Plan which is good for 5 whole years. You could think of the monthly fee for SewerGard beyond that 90 day point as a “premium,” but having the coverage is well worth the low cost. If you’ve ever had a water or sewer line failure, you know how important this coverage is!

When you choose Hill Property Inspections, you get this and several other free protection plans completely free of charge! That translates to exceptional value and peace of mind when you need it most, which is why we proudly proclaim that we offer the best value home inspections in Western Pennsylvania. At HPI, we’ve got you covered, and at a great price!

*To learn more about the free warranty and protection plans, go to http://www.hillinspections.com/free-protection-plans

*To visit our main website, go to http://www.hillinspections.com

Warranty Spotlight: Roof Protection Plan

For the next several blog posts, the first few paragraphs will be identical since they cover necessary information related to each warranty or protection plan. If you have read these paragraphs, feel free to skip ahead to the plan details in each upcoming article.

Here at HPI, we offer a free, zero deductible 90-Day Home Warranty to all home inspection clients for added protection and peace of mind. In addition to the home warranty, we offer three additional free protection plans, including the 5-year Platinum Roof Protection Plan that I’ll review here. These warranties are provided through Residential Warranty Services (RWS), a premier residential warranty company with a proven track record of exceptional service. Every one of our home inspection clients is automatically enrolled in every one of these plans, and we take care of everything on our end so you have to do nothing! Read about the Platinum Roof Protection Plan and the other free plans we provide, and you’ll quickly see that at HPI we’ve got you covered!

The protection plans are similar to insurance policies for different components but with one major benefit. Just like an insurance policy, each plan has a deductible and a maximum (aggregate) amount of coverage if you file a claim; but unlike an insurance policy, you do not pay a premium! If you don’t have a claim, you never pay money; but if you do have a claim you’ll likely end up paying far less than if you had to be paying premiums all along. With the 90-Day Home Warranty there is no deductible, but the other protection plans do have a deductible if a claim is filed. Either way, having these plans provided for free and with no premiums is a huge benefit!

Since the protection plans are not insurance policies, they do not cover damage resulting from insurance covered events (fire, flood, lightning, vandalism, etc.), and any such claims should be filed under your homeowners insurance policy. They also don’t cover damage resulting from negligence or normal wear and tear. The warranties are there to help in other cases to provide you with broader protection.

Now to the 5-Year Platinum Roof Protection Plan… This warranty provides coverage for leaks for a whopping 5 year period from the date of your home inspection. That’s much longer than the 90 days of the home warranty and far longer than typical one-year home warranties that cost hundreds of dollars. If a leak that was not present during the home inspection emerges at any time during that five-year period, it will be covered up to $3,000 with a deductible of $500. But remember, even though a deductible is factored in, you did not have to pay premiums! In addition, the $500 deductible is half of the $1,000 deductible amount that many people choose for their homeowners insurance. So while you do have a deductible if a claim occurs, your cost is not nearly as much as you would normally pay without the warranty.

Once a leak has been repaired, it is guaranteed for the remainder of the policy term. For example, if a leak is repaired one year into the policy term, it is guaranteed for the remaining four years and will be repaired for free if issues with the same leak arise again. If it is determined that the leak is not repairable, the coverage amount can be applied to the purchase of a new roof.

The Platinum Roof Plan is good for any type of roof material. Many plans only cover common roofing types, like asphalt shingles, and exclude metal and other higher end roof coverings. With this plan, all roof types are covered!

When you choose Hill Property Inspections, you get this and several other free protection plans completely free of charge! That translates to exceptional value and peace of mind when you need it most, which is why we proudly proclaim that we offer the best value home inspections in Western Pennsylvania. At HPI, we’ve got you covered, and at a great price!

*To learn more about the free warranty and protection plans, go to http://www.hillinspections.com/free-protection-plans

*To visit our main website, go to http://www.hillinspections.com