Advice – HomeownersInsurance.org http://www.homeownersinsurance.org Homeowners Insurance Tips and News Fri, 28 Jun 2013 15:01:02 +0000 en-US hourly 1 https://wordpress.org/?v=4.8.1 8 Most Trusted Home Improvement Experts http://www.homeownersinsurance.org/8-most-trusted-home-improvement-experts/ http://www.homeownersinsurance.org/8-most-trusted-home-improvement-experts/#respond Mon, 11 Jun 2012 21:48:52 +0000 http://www.homeownersinsurance.org/?p=1666 Whether you want to remodel your home, fix a leaky faucet, or reinvent a room, seeking expert advice from a reputable home improvement specialist is a must. Put your next home improvement project in the hands of a top-rated contractor to ensure long lasting results and quality of work. Here are some of the most trusted home improvement experts in America.

 

  1. Bob Vila

    A prominent name in the home improvement industry, Bob Vila is one of the most trusted contractors in America because of his expertise in home renovations. From 1979 to 1989 he was the host for This Old House where he completely renovated old and historic homes. He went on to host several other shows including Bob Vila’s Home Again, Bob Vila, and Restore America with Bob Vila. He has also written more than a dozen books on rehabilitating homes and other home improvement guides. Today, Bob is launching a new pilot series entitled Building Green, where he educates home owners on the newest green building technologies. Besides appearing on regular television, he is well-versed in carpentry tools, using his knowledge to create his own line of tools, now featured at Sears and the Home Shopping Network. Bob frequently answers any questions homeowners may have online at his webpage, Twitter account, and other social media outlets.

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  3. Tom Silva

    Tom Silva has been renovating homes since he was a child, working with his father and brother. Their first project was installing a basement fallout shelter underneath their 1787 colonial home in Massachusetts. With decades of experience in remodeling, renovation, and restoration, Silva has hosted the show This Old House for more than 25 years, contributed to home improvement magazines, and published books. Silva is now a practicing contractor in Boston; he founded his own company, Silva Brothers Construction where he works alongside his brother and nephew.

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  5. Karl Champley

    Award winning master builder, building consultant, and environmental home inspector Karl Champley has earned notoriety in the building industry for his projects in residential and commercial construction. Starting off as an apprentice carpenter, he soon gained certificates in structural engineering, earning his master builders license. In 1990, he started his own business, KJC Building Services, earning the Australian Achiever award in 2001. Since then, Karl has been featured on the DIY Network, HGTV, DIY To The Rescue, and Wasted Spaces. He is a great source when it comes to any carpentry needs and advice in the home renovation industry, even judging home improvement competitions across the U.S., Canada, and Australia.

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  7. Danny Lipford

    A veteran remodeling contractor, Danny Lipford has been helping homeowners with both small and large projects for many years. As host and executive producer of the show, Today’s Homeowner With Danny Lipford, and the radio show Homefront With Danny Lipford, he provides expert tips and advice on the home improvement process. He has also contributed to The New York Times, Better Homes & Gardens, and other publications, offering guidance on a variety of home topics including design, materials, and key renovation decisions. One of his specialties is demonstrating a variety of “How-to” projects in studio and on location. He has been a home improvement contributor to The Early Show on CBS for more than a decade.

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  9. Paul F. Ryan

    A nationally recognized home improvement expert, licensed contractor, home inspector, and insurance adjustor, Ryan has all the experience needed to be the ultimate handy-man. He’s hosted several television shows on the DIY Network, TLC, and HGTV, where he shares his knowledge of carpentry, home remodeling, plumbing, and other aspects of construction. Today, he is a regular and reliable source in newspapers, magazines, TV shows, and online home improvement websites.

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  11. Ron Hazelton

    Offering expert home improvement advice, safety concerns, and design/repair issues on The Oprah Winfrey Show and Inside Edition, Ron was actually the pioneer of reality-based, on-location home improvement television when he hosted The House Doctor in 1989. The series was so successful, it ran for more than 200 episodes; then aired for many years after on HGTV. Today, he delivers instant solutions, advice, and how-to content online on his webpage. His simple, straightforward format of instruction has been a hit among home improvement enthusiasts.

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  13. Mike Holmes

    Today’s host of HGTV’s Holmes on Holmes, Mike shares his expert knowledge on home repairs, managing large renovations, new-home construction, and sustainability issues. He’s built hurricane resistant homes in New Orleans and trained youth in skilled trades through apprenticeships. He’s also written two successful books and contributes to a weekly newspaper column.

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  15. John Gidding

    After earning his masters in architecture from Harvard, Gidding went on to open his own design firm, John Gidding Design Inc. His portfolio includes impressive projects like Union Square in New York, Brooklyn Bridge Park, and the master campus plan for Carnegie Mellon University. Now a host for HGTV’s show, Designed to Sell and Curb Appeal: The Block, he offers invaluable design and technical advice for any home or landscape improvement needs.

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Category 5 Preparedness http://www.homeownersinsurance.org/category-5-preparedness/ http://www.homeownersinsurance.org/category-5-preparedness/#respond Fri, 01 Jun 2012 19:56:58 +0000 http://www.homeownersinsurance.org/?p=1622 Hurricane season is just upon us and if the past few years have taught us anything, it’s that hurricanes can cause serious damage if you are not prepared for them. The best way to prevent serious damage to your home or loss of life or danger to your family is to take the necessary precautions to ensure the safest, securest environment possible prior to a hurricane’s arrival.

Checklist and Family Plan

The American Red Cross posted a checklist of things to do and collect in preparation for a hurricane. Among the items listed is a reminder to take care of all things loose: doors, windows, shutters, and items on the lawn (like tools, bikes, toys, etc).

It is also important to stock up on things like canned goods, bottled water, and gasoline. The Red Cross also suggests turning the fridge and freezer to the highest settings to keep food cold longer in the event that the power goes out.

One of the most important ways your family can be prepared for an emergency such as a hurricane is to sit down and write up a plan or strategy for evacuation. Make sure each member of the family or house clearly understands the plan and practices acting it out. Locate the safest room in the house and keep a supply of new batteries and at least one flashlight in the room along with a battery powered radio.

Emergency Kit

Keeping an emergency kit stocked and located in an easy-to-reach location is one preparation that is often overlooked. Along with the basic first-aid components, you will want to include spare batteries, a multipurpose tool, hand sanitizer, extra house and car keys, bug spray, a map of the immediate area, disposable camera (in case of photographing damage), and a list of emergency contact numbers.

For stocking food and water, keep at least three days’ worth in a safe location. There should be a minimum of one gallon of water per person for each day and the food should be easy to prepare (minimal or no cooking needed) and non-perishable. Canned soups and stews are a great commodity and can be used for both lunch and dinner.

Updates

In the case of any impending emergency, always tune into the radio for updates and warnings on the status of an incoming storm or risk of any other natural disaster. The National Oceanic and Atmospheric Administration is the highest rated weather service in terms of accuracy and timely updates. They offer weather updates online, via podcasts, and on the radio at seven different frequencies via the NOAA Weather Radio (NWR).

When listening to weather updates and warnings, it’s important to note the difference between a “hurricane watch” and a “hurricane warning.” A watch means that conditions will be threatening within 48 hours. When you hear this update, begin your preparation plans immediately and stay tuned to the radio for more information regarding the storm.

A hurricane warning is issued when the conditions are expected within 36 hours. If evacuations are being called for in your area, this is the point in which you will want to leave. Otherwise, finish up your preparations and retreat to the safe zone in the house. Keep the radio with you to stay posted on further storm conditions.

Disaster Relief

Supposing you evacuate your house out of necessity and return to find the area ravaged by the storm, you will want to contact a hurricane relief center as soon as possible to report the damage. But first, check with your insurance company to see how much they cover. Since many insurance policies exclude flood damage, that might be something with which FEMA or another disaster relief group could assist. For a full list of relief groups, check out disastercenter.com.

If you have evacuated the area and intend to return, there are a couple things you should be aware of before you travel. For one thing, check the route back home for flooding or damage. Planning detours in advance can save a lot of drive time and gas. Pay close attention to bridges or low areas as these are the most common areas for flooding.

Power lines and trees are notoriously found on the road following severe storms so use caution and drive slower where visibility is limited. Upon returning to your house, check for leaking gas pipes and structural damage before entering. Take photos of any damage for insurance and relief purposes.

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Hottest Tips on Preparing for House Fires http://www.homeownersinsurance.org/hottest-tips-on-preparing-for-house-fires/ http://www.homeownersinsurance.org/hottest-tips-on-preparing-for-house-fires/#respond Tue, 29 May 2012 14:14:09 +0000 http://www.homeownersinsurance.org/?p=1599 The American Red Cross states that the single most common disaster they respond to is home fires. Furthermore, they say that house fires are the most preventable disaster. If you know how house fires occur, you can take the necessary precautions to prevent significant damage and possible danger to household residents.

 

How They Happen

  • Cooking – According to the National Fire Protection Association (NFPA), cooking was involved in 44% of reported home fires in 2010. This includes accidents caused by unattended cooking, clothing items lighting up, frying, and the ignition of food and other cooking materials. The NFPA also notes that the peak of cooking fires occur around Thanksgiving.
  • Smoking – Although not the primary cause of home fires, smoking is the single greatest cause of deaths by home fires. Those who smoke indoors do not always pay close attention to how close their cigarette is to furniture and clothing, both of which tend to catch on fire and often result in the death of the individual. When a cigarette or cigar is not properly extinguished before being disposed, it can light paper in wastebaskets on fire and get out of hand before anyone notices.
  • Electrical – The two most common reasons electrical fires start are lights and home electrical systems. People don’t always check the maximum wattage requirement for lamps and other lighting fixtures and when they use bulbs that generate too much heat, it can cause a house fire. Placing things on top of lamps and lights will also result in the object potentially igniting.
  • Heating – In the winter months, heating results in numerous house fires. Contrary to what you might assume, furnaces are not the primary cause of heating-related fires. Space heaters pose the biggest problem as they are often placed too close to the wall or flammable materials. Another common mistake people make with space heaters is hanging socks and shoes on them to dry. After a while, however, they forget about the clothing items, which eventually catch on fire.
  • Christmas trees – In December, that gorgeous evergreen is covered in lights and plastic tinsel. Old strings of lights can have faulty bulbs or exposed wires. The slightest contact with a drying pine-needle or synthetic material on the tree can quickly cause the whole tree to go up in flames. Although lights look prettiest at night, it is vitally important to turn off the lights before bed.
  • Children playing with fire – Keep all matches and lighters out of reach of small children. Kids who don’t know how to properly handle fire are responsible for many house fires each year. Proper education on this subject can prevent children from mishandling flammable materials. A field trip to the local fire station can be a fun way to teach them about fire safety.

 

How to Prevent

Prior to dealing with a blaze in the home, there are some basic preparations you can make that will prevent accidents like the ones listed above from happening.

For starters, identify two escape routes from every room in the house and make sure all members of the household are aware of them. About twice a year, hold drills to refresh the route in everybody’s mind. Locate all ladders and hoses around the outside of the home and check that they are all in working order in case it becomes necessary to use either one.

Additionally, replace all fire alarm batteries at least once a year. Windows often become stuck over time so periodically it’s wise to ensure they open smoothly.

Always supervise cooking and have a fire extinguisher near the kitchen. For space heaters and all other electronic devices, read the warnings and instructions to avoid accidental ignition of objects in the immediate vicinity.

 

How to Respond

The Red Cross lists multiple response tips in case a fire does occur. If possible, they recommend you use whatever escape plan you have practiced and set in place. In case doors or passageways are blocked by flames or excessive smoke, stay in the safety of the room you’re in at the moment. Close the door and block the empty space under it with a towel or some other cloth.

If there is a window in the room that can be opened, do so if you are certain of a hasty escape. Leaving the door open for a prolonged period of time supplies more oxygen to the nearby flames and can increase the speed that it approaches your location. If a window-exit does not seem possible, flash any available light through the window to get anybody’s attention who might be outside.

If there is any way to contact the fire department, do so immediately. After you have escaped from the house, do not reenter for any reason. Keep a first aid kit outside somewhere safe in case of injuries that need attention after escaping.

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10 Inexpensive Ways to Enhance Your Home’s Facade http://www.homeownersinsurance.org/10-inexpensive-ways-to-enhance-your-homes-facade/ http://www.homeownersinsurance.org/10-inexpensive-ways-to-enhance-your-homes-facade/#respond Tue, 15 May 2012 20:21:17 +0000 http://www.homeownersinsurance.org/?p=1492 Whether you’re ready to sell your home or just want to boost its curb appeal, the front facade of your home is a very important element that should receive regular upkeep and attention. Sometimes a first impression of a home makes all the difference when it comes time to sell or lease your property. If you’re not selling, the facade is likely to add to the value of your property, transforming it into your dream home. Enhancing the facade of your home is relatively inexpensive, and there’s much creativity involved in picking out materials. Here are 10 cost-effective ways to spruce up the front appearance of your home.

  1. Clean the Windows

    When windows start to get dirty, have saggy window frames, or get damaged with cracks, it’s time for some general remodeling. Remove any rotten window frames and replace windows if you have to for a cleaner, more modern look. You may even consider getting some double-sided windows for more insulation, as older homes probably didn’t come with energy-efficient windows. You may even want to consider painting them a different color as a contrast to the rest of the house. Bear in mind the prominent color of your home’s brick, stone work, and other features before choosing a different color. Finally, large windows may enable outsiders to see your blinds, curtains, or drapes, so also be sure those are in good condition and also follow similar color schemes.

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  3. Highlight the Approach to the Front Door

    The path leading up to your front door is a prominent feature of the facade, as it is well traversed and is usually a focal point. The steps, driveway, and/or pathway should be swept of leaves and free from unnecessary clutter. You want to keep these pathways leading to the front of your door as orderly as possible — this includes trimming overgrown grass or plants from the walkway. Power-washing dirty driveways or pathways will also instantly enhance the overall appearance of your home

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  5. Touch up on Paint

    Peeling paint is just not a good look, and takes away from the initial impression of a home. While a fresh coat of paint may not always be necessary, it’s a good idea to touch up on any peeling spots until you do decide to repaint entirely. Always buy one or two extra cans of paint to save for future touch-ups.

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  7. Consider Large, Visible Address Numbering

    The numbers on your home provide another outlet for you to be creative and customize the look of the front facade. However, number plaques can easily go wrong — hard-to-read numerals, hard-to-read painted numbers, or plaques with pictures generally should be avoided. Consider numbers that are large, easy to read, and have a simple design. Not only is this more practical and attractive, but it’s also a matter of safety. Emergency services can locate your house much faster if it the numbering is clearly marked.

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  9. Create Visual Interest Through Landscaping

    A front facade is greatly enhanced with flowering trees, plants, and evergreens. No matter how small of a space you may have, try to add some greenery to liven up the space. Houses look even more beautiful with plant trails and landscaping leading up to the home. If you have no space in the front, you can be creative with window planter boxes or potted plants.

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  11. Get Creative with Lighting

    Lighting is an essential component to the overall look of your home. It doesn’t always have to be symmetrical, either. Consider lighting key paths (the pathway leading to the front door) and lining the sides of driveways or entrances to the garden with walkway lights. These come in easy-to-assemble kits and in many designs. There are even solar-powered lights that don’t require any electricity, making them easily movable if you want to change up the look. You can also choose a new light fixture for porch areas and entrances. Even a small wall-mounted, battery-powered fixture can do wonders.

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  13. Upgrade Your Mailbox

    Mailboxes come in so many shapes, sizes, and types. If your mailbox is looking a bit sad, it may need some sprucing up. You can invest in a new mailbox, or make your own. Creative mailboxes mimic the look and style of your home, or stand out for being unique and modern. You want your mailbox to catch the eye of passersby, but not for the wrong reasons.

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  15. Fertilize Your Lawn

    Homes in especially dry and arid climates should pay extra attention to the maintenance of the front lawn. Lush green lawns truly contribute to the look of your front facade, and you don’t want dying, yellow grass to make your home seem untidy and sad. Invest in a sprinkler system or fertilize your lawn every month to keep grass healthy and growing.

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  17. Replace Old Cladding

    Many old homes from the 1950s to 1970s were built using cheap bricks or pebbledash cladding, which don’t do much in terms of aesthetics for the facade of a home. One of the best ways to truly transform the look of your home is to change the cladding. There are so many options to explore here — painting over ugly brickwork, completely or partially changing cladding, or only replacing certain decaying pieces. Nowadays, so many innovations have led to affordable and durable new materials. Concrete tiles, timber, PVCu, softwood, and hybrid bricks are just a few options you can explore.

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  19. Invest in a Nice Front Door

    It sounds obvious, but the first thing visitors are going to look at (after the initial overall impression of the facade) is your front door. While you can choose to replace your front door with a grand-looking one, you can also enhance old doors by painting them, installing glass, changing handles or glossing them. Sometimes all it takes is a fresh coat of paint — get creative with the color theme or go for a more contemporary look with matte, muted, or washed out colors.

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How Green Home Improvements Will Help You Sell Your House http://www.homeownersinsurance.org/how-green-home-improvements-will-help-you-sell-your-house/ http://www.homeownersinsurance.org/how-green-home-improvements-will-help-you-sell-your-house/#respond Thu, 26 Apr 2012 15:22:18 +0000 http://www.homeownersinsurance.org/?p=1393 With the current economy being as bad as it is, now more than ever homeowners who need to sell their homes are looking for ways to appeal to the buyers in the market. In previous years, luxurious additions and modifications were the strongest attraction for potential buyers, but with today’s environmentally savvy consumers, our approach needs to change.

A Tough Market

An estimated 1.4 million houses have been foreclosed since 2010 and despite a recent decline in foreclosure rates, 2012 is slated to see a continued rise. According to recent reports, negative equity was a high contributing factor in the decline of mortgage rates, and although a mere 12% of homes had negative equity, they still accounted for a staggering 47% of all foreclosures. What does this mean for today’s sellers? Equity is clearly one of the top factors to consider before putting your home on the market.

 

How Does Negative Equity Hurt Your Selling Abilities?

When homeowners are in a state of negative equity, it dramatically reduces their options for selling their home based on the mortgage and the bank. If the homeowner is buried beneath a pile of negative equity, they will have to choose whether to pay the difference between the current value of their house and the mortgage or negotiate with the bank to work out a short sale – both options mean less money to the seller. In order to avoid limiting your options and maximize the money you receive from the sale, improving your equity is crucial.

 

Go Green

Here’s where we come to the heart of the issue. It’s not enough to just make general home improvements to boost your equity. Because of the competitive selling market, homeowners have to find a way to rise above the competition. “Go Green” has become a popular mindset of this generation and sellers who tap into this trend can gain the necessary advantage over their competitors in the selling market. If you intend to dust off your tools and upgrade or modify your home prior to listing it, consider opting for some more environmentally friendly changes.

  1. Improve the view
    Double- or triple-paned windows are by far the most efficient way to lower loss of heat or air conditioning. If your windows are single-paned, at least make sure any cracks are sealed with caulk or foam strips.
  2. Door Detection
    Don’t forget to check your garage doors for possible leaks and worn weather stripping. Home improvement stores offer replacements for stripping as well as sealant or caulk for drafty places.
  3. Wonderful Water
    If your water heater is older than 15 years, it may need to be replaced. Recent models available on the market include energy efficient options for comparatively low prices. Usually the cost of the heater is repaid in savings over a year or so. The insulation around your water pipes can also affect the state of your water temperature.
  4. Bright Idea
    Most stores have stopped selling incandescent light bulbs, but if you have any left around your house, replace all of them with fluorescent bulbs. They save 70 to 75% more energy than incandescent bulbs, a major plus for energy efficiency. In addition to more efficient bulbs, consider installing dimmer switches for lights. The ability to lower the light in a room while not completely eliminating it allows for even greater energy savings.
  5. More Power to You
    Using power strips for your home office saves energy that would otherwise be wasted. Power strips are a cheap way to preserve even more power, especially for those with multiple computers, printers, or other office equipment.
  6. Trash to Treasure
    Does your kitchen have a garbage compactor? These appliances can reduce trash volume by as much as 80% and are an attractive option to those who don’t want to make multiple trips to the dumpster or curb. Not only does a compactor reduce the volume of your trash, but it also reduces the number of garbage bags used, further reducing waste.
  7. Look For Leaks
    Leaks can be quiet but deadly when it comes to conserving water. Check all of your plumbing, both indoor and outdoor, for any possible leakage. This is one of the easiest repairs you can do to provide instant savings and boost environmental efficiency.
  8. Low-Flow
    Low-flow toilets reduce water usage from 3.5 to 5 gallons down to 1.1 or 1.6, a saving of nearly 34,000 gallons per year for the average family of four. This will dramatically reduce costs for water.

Given the economic challenges of today and the heavy emphasis on environmental practices, it is clear that improving home equity is the first step towards overcoming the current housing market and that green home improvements are the most advantageous method of doing that.

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40 Posts Discussing How to Recover After Being Victim of Natural Disaster http://www.homeownersinsurance.org/40-posts-discussing-how-to-recover-after-being-victim-of-natural-disaster/ http://www.homeownersinsurance.org/40-posts-discussing-how-to-recover-after-being-victim-of-natural-disaster/#respond Wed, 03 Nov 2010 11:26:36 +0000 http://www.homeownersinsurance.org/?p=1200

The key to surviving a natural disaster is greatly dependent on preplanning before the disaster strikes.  What happens when you realize that you’ve just survived a natural disaster?  Recovery can often be as devastating as the disaster itself. Good homeowners insurance will help you take care of damage to your home, but there are still many other obstacles to deal with, especially the emotional trauma that can occur from dealing with a disaster of any type.

  1. Disaster Information Center (preparedness, recovery) –
    Being prepared for a disaster is the best way to minimize losses and recovery time.
  2. Tips on What to Do After Surviving a Natural Disaster
    Since September 11, 2001, much has changed in our world, nation, state and community. We have become much more aware of the devastation that can be caused by unexpected disasters—whether they are caused by nature, by accident or by terrorist attacks.
  3. Surviving A Natural Disaster
    Natural disasters can happen anywhere, and they often come out of the blue. But proactive preparedness and a clearheaded response will help mitigate the negative effects.
  4. How To Survive the Next Disaster
    When a large disaster (terrorist attack, earthquake, tornado, etc.) strikes, many of the necessities of life are suddenly gone – instantly gone.
  5. What to Do After a NATURAL DISASTER – Brief Article
    The following advice from the Institute of Certified Financial Planners, Denver, Colo., can help you minimize the financial impact of future disasters:
  6. Helping Children After a Natural Disaster: Information for Parents and Teachers
    Natural disasters can be especially traumatic for children and youth. Experiencing a dangerous or violent disaster is frightening even for adults, and the devastation to the familiar can be long lasting and distressing.
  7. How can I Help in a Natural Disaster?
    Many people want to offer help in a natural disaster, whether by donating money, transporting supplies, giving blood, or volunteering to go into affected areas and offer physical assistance. Unfortunately, there are times when well-meaning people get in the way more than they help in a natural disaster.
  8. Natural Disaster Preparations
    Emergencies and disasters can occur anytime, anywhere. Some are primarily seasonal and allow for certain preparations; others occur swiftly and without warning.
  9. Prevent Illness After a Disaster
    Fact Sheet from CDC Emergency Preparedness and Response
  10. How To Recover From A Natural Disaster
    Natural disaster is a great leveler. It spares nobody and that includes businesses, both small and big.
  11. Can Your Family Survive a Natural Disaster?
    No one thinks it will happen to them, but if it happens to you and your family, do you know how to survive?
  12. Diabetic Tips For Surviving a Natural Disaster
    When natural disasters hit, the threat of being cut off from society and therefore medical supplies is a frightening thought.
  13. Natural Disasters and Catastrophes
    Natural disasters cause widespread damage and create a large volume of insurance claims for damage to homes, businesses, cars and other property.
  14. In the Path of a Hurricane: Surviving Mother Nature’s Wrath
    Although it’s almost impossible to predict the damage from a natural disaster, planning helps counter the aftermath, experts say.
  15. LDS Emergency Preparedness: Natural Disasters
    You could use these links to make handouts for classes, find tips for a Emergency Preparedness corner of a Relief Society Newsletter, collect several for a ward preparedness binder, or print them out for your files.
  16. Survive and Thrive after a Natural Disaster
    Natural disasters, like so many things in life, are unpredictable — yet the grief that may result often follows a pattern, says Kristi Cooper, Iowa State University Extension family life field specialist.
  17. How to Survive Natural Disasters
    If there was a natural disaster in my home, would I know what to do? Would I have all of the necessary supplies to ride it out until help arrived?
  18. How To: Survive A Natural Disaster
    Natural disasters will occur on occasion, so I’m here to help you protect your home. True, sometimes you can’t predict or stop nature’s deadly course, but there are measures you can take to protect your home and yourself.
  19. How to Survive a Natural Disasater
    Surviving a natural disaster involves more than just getting through the event. The most important thing is to be prepared to survive the aftermath of the catastrophe.
  20. How to Survive Natural Disasters
    I have compiled some basic information on what to do when severe weather or forces of nature are heading your way. Check it out.
  21. How to Survive Natural Disasters, Hurricanes, Earthquakes, Floods and Etc
    There’s hardly a home in the world that truly safe from some type of disaster. But good news, commonsense precautions go a long way in avoiding loss of property and life. I really hope that this article will help us get prepared!
  22. After a Natural Disaster: Coping with Loss
    Understanding the stages of grief, giving into them, and going through them, is key to getting past the disaster and into a fulfilling future.
  23. Extra Emergency Survival Kit Necessities
    How to survive a natural disaster with a camping vacation mindset.  Anyone who has ever been evacuated from, or isolated in, the family home because of a natural disaster, can attest to just how difficult it can be. But there are ways to alleviate some of the troubling aspects of the experience.
  24. Natural Disaster Survival Guide & After Disaster Tips
    It is essential that you get back on your feet and up and running as quickly as possible, so you can get money flowing into your small business.
  25. How to Recover From a Natural Disaster
    The winds have died down, the rain or snow has ended and the earth has stopped shaking. You look around at the mess around you and you think: now what?
  26. How do I Recover Communications After a Natural Disaster?
    Natural disasters can rob businesses of productivity and profits, if not prepared for in advance.
  27. Important Guidelines to Recover from a Natural Disaster
    Going through a natural disaster is an experience that no one should face. Unfortunately, Mother Nature has her own plans and all we can do is learn how to recuperate from a catastrophic event like this.
  28. After disaster strikes, how businesses recover.
    The unimaginable has occurred. Your business has been destroyed or heavily damaged. The disaster could be natural or technological: fire, flood, hurricane, tornado, a power outage, e-mail virus, equipment failure or data loss.
  29. How To Survive a Natural Disaster
    To protect ourselves from natural disaster, we should be equipped with adequate information regarding safety tips, precaution tips, methods to combat, emergency kits to survive, tips to protect your self and your family members, etc.
  30. Life and Credit – Recovering from Natural Disasters
    No matter how well you plan and manage your finances, a natural disaster can take you off track at a moment’s notice.
  31. Surviving Natural Disasters
    Survival in an outdoor environment will be precarious and a test of your resilience and character at the best of times.
  32. 49 Articles About Weather Proofing Your Home Against Disaster
    Weatherizing a home is an important step in attempting to prevent damage done by a natural disaster.
  33. EPA: Natural Events and Disasters
    Every year natural disasters, such as hurricanes, floods, fires, earthquakes, and tornadoes, challenge agricultural production.
  34. Recovery Tips For Hurricane-Battered Homeowners
    If you were in the path of a hurricane, the damage that the winds and water left behind can seem impossible to fix. Getting back to normal will take some time and effort, but there are plenty of people around to help.
  35. How to Survive a Famine
    Severe Weather, Natural Disaster, and Nuclear Attack can Bring on Mass Starvation – Be Prepared
  36. SURVIVAL GUIDES
    Welcome to the Common Sense Survival Guides home page. This site is created by Albert Sindlinger. We are a site that makes survival and preparedness information available to the people.
  37. Family Home Security: Natural Disasters
    How to Make a Disaster Recovery Plan With Your Family. When an emergency occurs, it’s natural to feel scared, disoriented and panicked.
  38. American Red Cross Preparedness Fast Facts
    Get the facts you need — before, during, and after a disaster or emergency situation. As the nation’s preeminent preparedness and safety training organization, the American Red Cross developed the following emergency-specific checklists using the latest research, science, best practices and expert opinion.
  39. Surviving a Natural Disaster
    When natural disasters happen (or acts of God), they usually happen when we expect them the least.
  40. The Survivors Club Guide to Financially Surviving a Natural Disaster
    Learn How to Financially Prepare for a Natural Disaster with These Tips from The Survivors Club.

Image Credits: http://www.flickr.com/photos/jonworth/424816276/

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Get Ready to Replace Your Toilet http://www.homeownersinsurance.org/get-ready-to-replace-your-toilet/ http://www.homeownersinsurance.org/get-ready-to-replace-your-toilet/#respond Thu, 29 Apr 2010 15:24:00 +0000 http://www.homeownersinsurance.org/?p=387 If you’re like most folks, you probably don’t consider yourself enough of a home improvement expert to mess with plumbing or with electrical wiring. In fact, in some areas, if you do make changes to your wiring and plumbing and don’t have the right kinds of certifications, you may cause problems for your homeowners insurance. That said, replacing your toilet is probably a lot easier than you think, and may be an option you want to consider.

Why replace your Toilet?

There might be a number of reasons you’d consider replacing your toilet. You might have water damage because of a leaky wax ring. The body of the toilet might become cracked or damaged. You might want to switch to a low-flow toilet. It may be that you want to replace your floor tile, or that you want to remodel your bathroom.

Types of Toilets

Choosing a new toilet can be a fun process. You can pick from stainless steel or china. You can pick a number of colors. You may choose between an elongated bowl or a round bowl. There are dual flush and single flush toilets. Some are wall mounted and some are floor mounted. Some use pressure to flush and some use gravity.

Get the right tools and parts

You don’t want to start your project and get halfway through, only to find that you need a bunch of parts. Make sure you have a shut-off valve, a braided supply connector, and a wax ring or a flexible ring before you start the replacement process.

Know the process

There are about a dozen steps to removing your old toilet, from turning off the water to removing the bolts to removing leftover wax. None of them are especially complicated. In fact, the removal part is easier than the installation.

When you actually install the toilet, you need to use a little bit more in the way of technique. You’ll want to make sure it’s level, and use shims if they are necessary. You’ll also need to take care attaching the shut-off valve and connector. Still, with a little bit of effort, you can be up and flushing in no time.

Photo via Editor B

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