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Pass the Mold Please!

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Most homeowners recognize the importance having snug, dry home. Now there’s a reason to put more emphasis on keeping it dry….toxic mold. A certain form of mold, called Stachybotrys (pronounced stakki-botris), is appearing in more headlines. Unfortunately, the mold, which is capable of causing illness in humans, is also becoming a familiar topic in courtrooms.

Toxic mold, like other more common molds (such as penicillin), is found indoors and can grow on nearly any type of damp or wet surface including wood floors, carpeting, tiles, drywall, paneling, insulation, etc. The only conditions necessary for its formation is moisture, food (organic material) and time. Besides mold’s ability to physically damage a home (staining, warping, deterioration), the spores from this type of mold can become airborne, making people susceptible to developing allergic or respiratory symptoms. Research is ongoing to determine whether mold exposure may also cause more serious health problems.

Damage to a home or its occupants that is caused by toxic mold is typically excluded. Insurance policies are designed to handle accidental causes of loss and items such as mold infestation, rusting and rotting are seen as home maintenance issues. However, in one notorious court case, a family in Texas was awarded several million dollars because its insurer allegedly mishandled a loss, creating a condition that allowed the growth and spread of toxic mold.

Rather than be concerned over the possibility of insurance coverage, prevention is the best course of action. Inspect in and around your home, looking for indications of moisture. Correct any conditions that could cause moisture build-up such as leaky roofs or plumbing, condensation, leaking appliances, etc. Keep your home snug and dry and avoid a moldy problem



Posted On 3/4/2010 7:21:17 AM



Dealing with Ice Dams

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Dealing with Ice Dam

Ice dams are formed by either the sun, or loss of heat from your home causing the snow on your roof to melt. Water begins to flow under the snow as it travels down the roof. When the air temperature is significantly below freezing, the temperature of the roof deck, gutters, flashing and downspouts are below freezing as well and when the melted water hits these cold surfaces it begins to rapidly freeze and eventually, the gutters and downspouts are clogged with ice. This ice buildup continues at the gutter level and the ice becomes thicker. Meanwhile, the melted water continues coming down the roof. Depending upon the rate of melting vs. the rate of freezing, you may or may not have a problem. If the water is melting at a faster rate than it can freeze, it begins to back up underneath the roofing materials. This water then finds its way to the roof deck and eventually can find its way into your home. Although ice dams can form anywhere on a roof, they form most readily at the bottom edge of roofs, valleys and areas where the slope might change on a roof.

Preventing the Leaks

It is virtually impossible to stop ice dams from forming. Some methods attempt to use heated electrical wire which is applied to the lower edge of your roof or which sits in your gutter. Often these methods have little effect and they are installed well in advance of the winter so are of little use once the problem is here. And they pose a potential shock and fire hazard as well as require someone to climb a ladder to install them.

Newer technology has leaned in the direction of not trying to stop the ice dam from forming, but to simply stop the water from entering a home. Roofing manufacturers have developed products designed to do just that and are modified asphalt products and are commonly applied as required by newer building codes, especially in northern climates. These type products help prevent leaks caused by ice dams as well as wind driven rain. Some of these products are rubberized, while others include styrene. Some are reinforced with fiberglass mats. They work by creating a solid barrier to water wherever they are applied. It is similar to shrink wrapping that portion of your roof. When applied according to manufacturer's specifications, they can be highly effective in preventing leakage from ice damming. 

Unfortunately, these products are placed during original roofing or reroofing and not in the middle of winter. These products generally have one side which is very sticky and are designed to be installed directly on the wood decking of the roof starting at the gutter line. Often these materials are installed at other potential trouble areas: low slope roofs, valleys, slope changes, hips, rake edges, dormers, skylights, flashing areas. These products are designed to have other roofing materials applied over them. Since these materials are very pliable and manufactured with different compounds, any nails which penetrate the products seal themselves. In ice dam situations, most leaking occurs within 3 feet of the gutter line. Because of this, you generally do not have to cover the entire roof with these products. However, low slope roofs, shaded roofs, and roofs that have a northern exposure are candidates for complete coverage.

Fast Fixes

Hacking away at ice dams with a hammer, chisel, or shovel can be bad for your roof—and dangerous. And throwing rock salt on them will do more to harm to your plantings than to the ice. Short of praying for warm weather, there are two stop-gap measures that are usually recommended:

Blow in cold air: Take a box fan into the attic and aim it at the underside of the roof where water is actively leaking in. This targeted dose of cold air will freeze the water in its tracks. "You'll stop the leak in a matter of minutes.

Rake it: Pull off snow with a long-handled aluminum roof rake while you stand safely on the ground.

While a permanent fix for ice dams usually requires increasing the insulation, sealing, and ventilation in the attic, there is another simple way to diminish the damage after the dam has formed that I have never used but have heard it works.

  • Fill the leg of discarded pair of panty hose with a calcium chloride ice melt. Lay the hose onto the roof so it crosses the ice dam and overhangs the gutter. If necessary, use a long-handled garden rake or hoe to push it into position.

The calcium chloride will eventually melt through the snow and ice and create a channel for water to flow down into the gutters or off the roof. Calcium chloride filled ice melt socks will not damage shingles. Supposedly, snow melt socks is a tried and proven method and work on sloped or flat roofs. DO NOT use rock salt because it has iron in it that leaves stains on the roof.

For the brave

Properly removing an ice dam can be quite dangerous. Some people suggest hiring a contractor to pull the gutters off the home so the whole ice dam process would be solved. This suggestion may be well intended but is wrong. Removing gutters can cause significant damage to the roofing materials and guttering systems and when the snow melts and is dropped next to the homes foundation, it can cause basements to flood. Gutters are there to remove the water.

WARNING! Performing ice dam removal is risking severe personal injury and damage to the roof if not done properly. Never walk on a snow covered roof and if you are using a ladder you follow the proper safety procedures. I highly suggest contacting professionals with the proper equipment and roofing experience to carry out this job.

Removing snow and ice dam from the roof will eliminate the main ingredients necessary for the formation of another ice dam and will usually stop the water from coming in within an hour. Using a roof rake and push broom (not water) remove the snow by carefully pulling it down the slope of the roof line. Never pull snow across the roof or it may break off the shingles and other damages. After removing some snow, carefully chip away a channel through the ice dam so the water will be able to flow through, just make sure you stop when you get close to the roofing. It's not necessary to remove all of the ice in the gutters or the ice dam itself if you have removed the snow from the roof, it will melt when the temperatures rise.

While I would not recommend anyone climbing on their roofs and there is not a simple solution to permanently correct an ice dam problem once the problem exists. Basically, the poorer the insulation and ventilation, the worse the ice damming because of heat loss through the roof. I've provided a couple of suggestions-some more dangerous than others and one that I have only heard works but some people swear by. Unfortunately some of the ways commonly suggested to correct ice dams may require someone to climb a ladder to reach the gutter or roof line, truth is there are some things people can do after the fact but preventing them in the first place is the best solution.

 


Posted On 2/26/2010 5:44:57 AM



The Car Is Gone & I Still Owe the Bank??

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Is Your Car Worth Less Than Your Loan?

The economy has made financing cars more difficult and lease arrangements are scarce, car loan and existing leases may last as long as  four to six years. Whether your vehicle is a coupe, sedan, van, sports utility vehicle, or truck, your vehicle’s value will depreciate very quickly. A rapid loss of actual value accompanied by a longer loan obligation spells trouble.

It isn't’t unusual for the amount of the unpaid loan and lease  balance becomes much larger than the vehicle's value. This disparity exists over much of the loan or lease period. Making matters worse is that this gap is usually only discovered after a total loss. After the insurer pays its obligation, you may have to pay the bank or leasing company thousands of dollars out of your own pocket.  The situation is an unfortunate side effect of the need to extend financing to accommodate extremely expensive vehicles. However; there is a solution to the dilemma.

Buy Loan / Lease Gap Insurance

It's as simple as adding it to your car insurance - however - it needs to be done sooner rather than later. 

Please check with us for more details....


Jeff Rosenkilde, Sr.  CIC
 

 



Posted On 2/24/2010 11:12:27 AM



Please Rob Me!

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Hi All:

The linger of winter tends to have us all wishing for greener pastures and time away from home. In that vein, we must be extremely wary of posting personal information about our whereabouts on Facebook, Twitter and other social networking areas. Economic times are tough and with that, desperate times usually expose desperate measures. 

From Identity theft to breaking into your home, social networking can give away a plethora of information that you would otherwise count as confidential. Use social networking as a tool to communicate with people, but not as a "giveaway" of your minute by minute location. 

Believe it or not, there is site that promotes awareness of empty homes....I will connect you with the link...
Check it out....it's called  Please Rob me  !

Please use common sense !

Best Regards,


Jeff Rosenkilde, Sr - CIC      


Posted On 2/23/2010 7:25:58 AM



"The Fatal Attraction"

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"The Fatal Attraction"

What Is An Attractive Nuisance?

This is a term originated by a judge to describe property that attracts youngsters and, because of their dangerous nature, creates a special obligation to property owners. Examples are:

  • swimming pools
  • trampolines
  • empty buildings
  • appliances kept outside
  • excavations
  • construction materials

All of these can lure children onto property and they all have the potential to cause serious injury.

Why Do Attractive Nuisances Create A Special Obligation?

A special obligation exists because of such property's child endangering nature. Children do not have the reasoning ability of adults. When an opportunity to have fun pops up, it's a rare child who thinks about the chance of being injured. A property owner with an attractive nuisance on his property cannot escape liability because of a trespassing child. When an attractive nuisance is involved, adults have to make a special effort to protect children from their blind sense of adventure or face the consequences.

How Do You Handle Attractive Nuisances?

The answer is…do whatever it takes to prevent a child's access to the nuisance. Therefore, in order of their effectiveness:

1. Eliminate the nuisance - examples:

  • have old appliances hauled to a junk yard
  • tow old, non-running vehicles away
  • get rid of construction materials immediately after a building project is complete

2. Secure the nuisance - examples:

  • take off doors or covers from large appliances awaiting garbage pickup
  • keep sharp tools, especially power tools and equipment, locked away
  • store construction materials in a garage or shed

3. Reduce the chance for injury from a nuisance – examples:

  • install a pool cover and have a locked fence to prevent access to pool
  • do not allow younger children to use equipment such as trampolines
  • make sure there's adult supervision of children using play equipment

If you're not certain about whether you have an attractive nuisance situation, discuss the situation with an insurance professional.



Posted On 2/19/2010 1:37:31 PM



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