"Your home is your castle." "There's no place like home." "Home is where the heart is." "Make a house into a home." We have all heard these and countless other adages about the bond between an individual and their dwelling. It doesn't matter if we are describing a mobile home or a mansion, a quaint cottage or sprawling estate. For most people, their home is among their largest investments. Even in a tough economy with rampant foreclosures, a house is also one of the best ways to build wealth over time. Equity comes from paying down debt, as well as increasing the value of the property. And just as a high tide raises all boats (that are in the water), an improving market elevates the vast majority of housing values. Of course, a poorly maintained, leaking boat will struggle to stay above the tides and the same can be said of a poorly maintained house.

This blog will delve into some off the many systems that comprise a house (roofing, ventilation, HVAC, insulation, windows, entry systems, flooring, kitchen and bath). We will discuss what it takes to keep these systems functioning properly, how to maintain them, and what to look for when replacing or upgrading them.

Home improvement is a scary business. Cutting corners to save a few bucks may end up costing you dearly in aggravation, legal entanglements, premature system failure and subsequent replacement. Unpaid subcontractors can place a lien on your home, even if you paid the entire amount of the contract. Does the contractor carry insurance? The Yellow Pages ad may say so, but those claims are never verified. A worker getting injured on the job potentially places the home-owner at risk of liability. "Lifetime" warranties are only as strong as the company that backs them up. With nearly 70% of contractors going under within 7 years, who do you go after if/when something goes wrong? Buried deep in the fine print, it is all-too common to find clauses nullifying warranty protection if installation is not in accordance with manufacturer specifications. How does an unsuspecting homeowner know if the installation is done properly and in accordance with those specifications?

This blog will help to expose the issues that can turn a home improvement project into a nightmare. Knowing how to protect yourself should provide some much needed peace of mind.






Tuesday, March 20, 2012

Want windows that keep out more than just the elements?

Social media policy precludes me from showing the video footage, but we have windows with security glass that a grown man cannot break into with a baseball bat.  They keep out more than snow, rain, wind, harmful UV rays, dust, moisture, bugs, bees or bats.  If you want the peace of mind that comes from having steel bars on your windows (without actually having steel bars on your windows),  give us a call at 877-747-6589.   We will be happy to provide a free in-home consultation and show you the amazing video footage.

Sunday, March 18, 2012

Need some carpeting that can stand up to a herd of elephants?

hhttp://youtu.be/UJ_z8qiELgE

Tell me you are not seriously shopping for the lowest price for your home improvements

I was visiting a family yesterday talking about a window project they wanted to get done.  As part of our consultation process, we inform our clients about the industry and what to look out for. Whether or not they choose to work with us, we feel a corporate responsibility to help keep people out of harms way.

The scary thing is, homeowners ofter have horror stories of their own.  The family I visited yesterday had a litany of issues with various contractors that built their home including shoddy workmanship and escalating costs far beyond the initial "estimates".  Worst of all, one of their contractors was actually a man who is now in prison for attempting to murder his wifehttp://www.doj.state.wi.us/absolutenm/templates/template_share.aspx?articleid=604&zoneid=5  

When you bring a contractor into your home, do you have any idea what you put at risk?  The home improvement industry is poorly regulated.  As a result, it is one of the largest employers of ex convicts.  You are trusting someone you have never met with probably your biggest investment - Your home.  You are also giving them access to your home, your possessions, your credit information... AND YOUR FAMILY.   Do you want to take the potential risk that you may be inviting a crook, con artist or pedophile into your home???

Let's assume you hire someone who is not out to scam you.  Yes there are good people in the world and some actually work in the home improvement field.  Unfortunately, there are a lot of good people who have fallen on some pretty tough times over the last few years.  Out of work because of the burst in the housing bubble, they decide to put their hammer and pickup truck to use to make some money doing home repairs/remodeling.  They start a business and take out an ad in the Yellow Pages.  They may actually take out insurance like it states in their ad.  Unfortunately, in the dead of winter and needing to make their truck payment, that insurance coverage gets dropped because they just can't afford it.  Chances are you would never know that unless one of the guys they pay under the table to help on the job, falls off of your roof.  Who do you think would be getting sued for the tens or even  hundreds of thousands of dollars worth of medical bills? 

Let's say that the job gets done well and no one gets hurt.  You pay the contractor in full and go about your business.  Unfortunately, the contractor  for whatever reason doesn't pay the distributor for the materials or the sub-contractors he hired.  Who knows why?  Maybe he has medical bills to pay, his truck blows its transmission, or he needs the cash to get materials for the next job.  Even though you paid in full, your could find a lien on your house filed by any one involved in the supply chain for your home improvement project.  You could be legally forced to pay for the job again, even though you already paid for it.  Worst case scenario, you could lose your house !

Let's think about a happier scenario.  The project is done, no one gets hurt and everyone gets paid.  Life is good... or is it?  3-5 years down the road, you have a problem with the job. Your window seals fail, your roof leaks, your siding oxidizes and fails.  Whatever the problem, you try to contact the contractor because you had been given a "Lifetime" warranty.  Unfortunately, the contractor is no longer in business.  He is not their to honor the warranty so now what do you do?  The sad truth is that within 2 years, 31% of home improvement companies fail.  Withing 5 years, that number escalates to over 50%.  Within 7 years, 69% of home improvement companies are out of business.  A lot of good that lifetime warranty is at that point.

Let's say he is still in business.  You call him and he says it is a manufacturing defect.  You then contact the manufacturer who comes out, inspects the job, charges you for the inspection, and then denies the claim because the installation was not in accordance with the manufacturer's specifications.  Read the fine print on the Warranties for windows, doors, roofing materials.  In virtually every instance, the warranty is void if not installed to manufacturer's specifications.  How do you know if it is done to those specs? 

Our windows come from the factory with stainless steel screws taped to the frames.  These screws cost $.50 each, but are required to meet factory installation specs.  If a contractor saves a few bucks and buys a box of sheet metal screws to install your new windows, they are voiding the warranty before they ever leave your home.  

I certainly understand the desire to get the best deal.  Being a consummate bargain hunter and do-it-yourselfer, I myself am extremely averse to paying too much.  With home improvements, however, the stakes are just too high and the pitfalls too deep: Scams, fraud, lawsuits, liens, insurance claims, identity theft, shoddy workmanship, use of inferior materials, and warranty coverage that isn't worth the paper it is written on.

  • When you are investing in your home, doesn't it make sense to go with a company that fingerprints, drug tests, credit checks and  performs Federal and State criminal background checks on its installers?  

  • Does it seem reasonable that installers are factory trained and certified, use proper installation techniques and methods and install to factory specifications, thereby protecting your warranty coverage?

  • Would you be comforted in knowing that they are covered by a multimillion dollar policy for Worker's Compensation, public liability and incidental damage to your property?  

  • Wouldn't it be seem appropriate that when you pay the bill, you receive a waiver of Lien?

Perhaps, at least as it pertains to the home improvement business, it makes more sense to go with a company that is reputable than to roll the dice and take your chances just to save a few bucks.