Q. About six months ago we bought a new home and the builder provided a one year home warranty. Recently we discovered a defect, but when we contacted the builder, he said that because we did not discover the defect during the final walk-through that it would not be covered under the warranty. Is this common practice?

A. No, this is definitely not common practice. Most builders will repair defects that are found at any time during the warranty period, provided that they are covered by the terms of the warranty, and are obviously the fault of the builder. Read your warranty contract carefully to see if you are indeed bound by the condition your builder is citing. He may be counting on the fact that you have not thoroughly read the contract. In any event, you may want to seek the advice of an attorney. When inspecting a new home, I always advise my clients to discuss the terms of the home warranty with the builder before closing, and to make sure that they fully understand those terms and conditions.

Q Our home inspector recommended that we install a chimney cap on the older home that we are buying. The chimney has not had a cap in it’s 60 plus year life, so why put one on now?

A In my practice as a home inspector, I always recommend the installation of chimney caps. Chimney caps serve a variety of purposes. They keep animals such as birds, squirrels and rodents from entering the chimney and in some cases the crawl space. A 60 year old home may have had an oil-fired furnace in the crawl space or basement which would have been vented through the chimney. The vent pipe opening provides direct access for critters. It is not unusual for rodents to crawl down through the chimney into the crawlspace seeking a warm place to nest. Chimney caps also keep out rain and debris such as leaves that can collect in the flu. Chimney caps also serve as spark arresters. Most caps are not expensive, and your local chimney sweep can recommend the one that is best for your chimney.

The Appraisal Foundation - USPAP (Uniform Standards of Professional Appraisal Practice) defines an appraisal as "The act or process of developing an opinion of value." This valuation is a determination of your property's market value - what it will likely sell for on the open market. So how is this "valuation" determined? Why does the idea of getting an "opinion of value" create so much apprehension about the process? What can you do to make your home appraise better, if anything?

What do you do if your home doesn't appraise well?
elow are commonly asked questions that hopefully will give some clarity about home appraisals. What is a home appraisal? A home appraisal is a survey of a home by a professional for their opinion of the property market value. In most cases an appraisal is done for a bank when a home is being approved for a loan for the home buyer. The home appraisal is a detailed report that looks at such items as the condition of the home, the neighborhood, what similar homes are selling for, and how quickly similar homes sell (to name a few). The appraisal may be a sales comparison or a cost/replacement opinion of value. There is also an income appraisal, but this is done primarily with commercial properties. The sales comparison will look at other properties in your neighborhood and what they are selling for and then figure how they compare to your home. With a cost/replacement opinion of value the appraiser is looking at what it would cost to replace the home if destroyed; this is more commonly used for new homes.
Important Note: An appraisal is not a home inspection! Appraisers only look for major concerns, they do not examine the home's full condition (i.e. examine the roof, appliances, etc.). For this reason a home inspection should still be requested by the home buyer before purchasing the home.

Who is an appraiser?
Appraisers are licensed by individual states and are held to strict ethical standards. Appraisers are the third party whose purpose is to give their opinion of the market value of a home. Ideally the appraiser should not be connected with anyone involved with the home transaction.

Who picks the appraiser?
When an offer is made on the house the appraiser will normally be determined by the lender. The lender may have their own appraiser or contract with an independent party. Sometimes the bank will allow the seller to choose an appraiser, but only when that appraiser is already well known to them.

Can the seller get their own appraisal done?
Yes. The home seller may commission their own appraisal before selling the property to determine cost. However, this will cost anywhere from $300-500 and the bank most likely will not accept this appraisal but request another to be done by their own contact.

If not by appraisal, how do I set the price for my home?
Home sellers can set the price of their home with the help of a REALTOR(r) using a comparative market analysis (CMA); the CMA is not a substitute for an appraisal but will give a good idea on setting an asking price (usually 5-10% more than the market price for your area).

How can you prepare your home for appraisal?
Prepare for your home appraisal like you would for a home sale. You are in essence re-selling your home. Make sure all the maintenance you can do is done; this includes clearing and trimming the yard to painting the house - hopefully most of this was already done for the sale and should at most need only a minor touch up. Be polite to the appraiser and give them full access to your home; work with them not against. Inform the appraiser of your home improvements. Let them know about the new windows, new floors, the finished basement, etc. And finally, don't be caught off guard. Do your homework! Know what similar homes are selling for in your neighborhood. This is something that should be done before setting your selling price. But in case your home has been on the market for a month or two, keep your research current. Let the appraiser know about similar homes and what they have sold for, especially if you know why a particular home that is like yours sold for less, let them know why your house is different.

What if the appraisal is low?
An appraisal that comes in lower then the asking price can jeopardize the loan and ultimately the sale. The lender will generally only loan up to 80% of the appraisers opinion of the home's value. The most common result is that the seller can lower their asking price. Or the seller and buyer can negotiate and meet at a price in-between. If the buyer still wants the home badly enough, they may put more money down; but this may still not guarantee their loan as the lender will still view it as negative equity. The final option is to dispute the appraisal. Before disputing with an appraisal, do your homework. Look at the homes in your community that have sold in the last 6 months and see what the differences are that may make your home more valuable. Perhaps there is a sale that the appraiser missed, perhaps other homes do not have the renovations and improvements you have done, perhaps the appraiser is not familiar with your type of home or neighborhood, etc. Building this case may be a good idea even before the appraisal. This will prevent you from getting rushed by the timeline after the appraisal is done. This is something you can ask for your REALTOR(r) to help with as they usually have a vast knowledge of your market area. Once you have the case, present it to the lender. They will likely get a new appraiser or request the same appraiser to reconsider it. If you do not want the same appraiser, make sure to specify this and ask for a second opinion.

What other aspects of the appraisal can hurt the loan?
By in far, the appraisers opinion of the home's value being lower than the asking price is the most detrimental. However, other factors may cause the lender to refuse the loan or require further contract negotiations. These concerns would result from property conditions that may require the home buyer to do more investing in the property to keep it valuable, such as upkeep on a private road. Your REALTOR(r) can help you with these types of objections and altering the contract to meet the lenders concerns.

The above is an introduction to answer some basic questions about the appraisal process. Please look at the links to the left for more detailed information. Now, if you are interested in what your home may be worth, check out Zillow for fun! This online program uses Google Maps to show what homes in your neighborhood are selling for or may be worth. Of course, I would suggest caution as the opinion of value given for most homes is rather high: http://zillow.com/ Happy appraising!

Bugs are a part of life and rodents often come wandering through. These animals are part of the environment and serve their purpose in the great chain of things. However, they can become a nuisance and may even be dangerous if they take over our homes. They are then more aptly called 'pests' and need to be dealt with. This quick article will give you some preventive tips about how to battle common pests. You may adjust many of these tips to various bug and critter problems.

ANTS

Seeing ants around a home is usually taken for granted; however, an ant colony in your home can become a serious issue and should not be ignored. Identifying the species will be important to identifying the type of problem you have. A black ant may be something you can live with when moderated but a carpenter ant is just as dangerous to your home as termites. So what attracts these pests? Food scraps, crumbs, sugar spills or pet food are just a few examples of the type of foodstuffs that will attract many ants. Also, leaky pipes and other sources of water will also help keep the ants happy. Some ants, like carpenter ants, will go for rotting wood. How do you know if you have ants? Well, in most cases you will see them. Soldier ants will make not secret of their presence as they march through your kitchen looking for goodies. In a large indoor infestation you may also see the swarming of winged ants as they search for a new place to colonize in spring/summer. In cold winter months, if you see ants indoors, they are probably in your home rather than coming from outdoors. Finally, how do you get rid of them? First step is to follow their trail to their home. This may lead you to breaks in the baseboard, window, etc. showing you how they are approaching from an outside nest. In this instance, simply seal up entry points. If you find their nest is in your home or you cannot locate it for certain, then baiting is the best option. Ant colonies can sometimes be hard to locate and spraying may just encourage them to pack up and move to another corner of your home. Instead, baiting lets them take poison back to the colony themselves. Baiting is also considered less toxic than spraying. However, make sure it is out of the way or ignored by curious children and pets.

BEES/HORNETS/WASPS

Bees are essential to the eco system, helping plants spread pollen. Wasps, although they look similar to bees (have a thinner waistline), actually survive both on eating nectar and other insects which make them just as beneficial to the ecosystem. Although bees and wasps look the same on the outside they have many behavioral differences. However, one thing that does remain certain is that they all should be handled with caution. When both move too close to our home they can become a problem. So what attracts these pests? Both are attracted to areas that do not receive abundant traffic. This is why you may discover them on your property in areas used less often such as near sheds or side storage awnings. Bees and wasps may build their colonies in the ground, old tree trunks, cracks/openings in buildings and generally other quiet, out of the way places. Paper wasps make the nests in limbs, under eaves of houses and other high places. A good source of food and water and bit of piece and quite offer ideal conditions. How do you know if you have a bee problem? With bees you may not know until your at the area with a hive in the ground. Nests of paper wasps and hornets you can usually spot up in a high corner or nook. Again, bees, hornets and wasps can be beneficial to the ecosystem around your home and if they are not causing a danger may be left alone to work their magic for the summer. However, if they are in structures of your home or too close to where the family may stumble on their territory you should seriously consider getting rid of them. Finally, how do you get rid of them? Be very, very careful when going after any of these groups. Especially in the case of underground hives you may not know how large the hive could be. The biggest threat will be swarming. To protect yourself, make sure to cover you body as much as possible; use gloves, hat, scarf, etc. Also, try to get the nest at dusk or later when most wasps/hornets are back at the nest. There are many specialized chemical sprays on the market that can help eradicate these nests. Again, just make certain to proceed with caution or contact a professional if in doubt.

COCKROACHES

Cockroaches are notorious household pests. These bugs colonize rapidly and can contaminate everything they touch with diseases and allergens. They can spread sickness and irritate those with allergies. Not to mention they can overtake an area with a colony and cause physical damage to your home. So what attracts these pests? Cockroaches are attracted to damp and unsanitary places; sewers, drains, kitchens, bathrooms and storage areas to name a few. How do you know if you have a cockroach problem? If you don't see the cockroach directly, you can usually find signs of their damage and fecal matter. If you suspect cockroaches, setting up traps where you think they are active will help get an idea if they are in your home. Finally, how do you get rid of them? Sanitation is going to be the first key step. Getting messy, mildew ridden places clean will help minimize their romping grounds. Another step is to set up traps so you may better pinpoint their home(s). You will then need to set up a monitored program that may include baits, dusts, sprays and more traps. Keep track of your progress, if the problem persists you should enlist professional help. Also, the extermination program may vary depending on the species of cockroach in you home. A professional will know how to identify the species, find the colony (or colonies) and set a program to fully eliminate the intruders.

FLEAS

Fleas are usually a pest pet owners are the most aware of. These insects live off mammals, biting them and laying their eggs on them. The eggs eventually drop off onto sleeping areas and other areas frequented by the pet and continue their development there. Some animals and people are allergic to their bites, most however, just find them annoying. So what attracts these pests? You do, and your animals too. These pests survive off eating blood from mammals. Pets that are inside and outside will be the likely carriers of this pest into your home. They will bring them in and usually the fleas will concentrate in their dog/cat beds and other areas they sleep. How do you know if you have a flea problem? Usually targeting pets the most, you'll notice if they are itching and scratching a lot. You'll also may come to notice bites of your own. If allergic you will see red welts develop. Finally, how do you get rid of them? To get rid of fleas many times you will have to exterminate them in the yard as well as your home. Fleas spend most of their time on your pet or other animals. They lay eggs there as well, but these usually fall off into the surrounding area, such as your carpet! This is why when you eradicate your home of these pests you need to first clean these areas. Concentrate on where you pet sleeps and spends the most time indoors. Also vacuum, clean any pet bedding, rugs, blankets and anything else the pet has been near. From here you may then use over the counter insecticide to treat these areas to kill off as much as possible. You will need to apply these more than once as any flea pupae are immune to these sprays when in their protected cocoon. At the same time, any pets should also be treated. You can use flea baths in conjunction with various flea medications or collars. Be certain to read directions carefully as many of these are species specific (i.e. for cat or dog only) or also weight specific; ask your vet for recommendations. Finally, for your yard, there are pesticides you may spray on, again, concentrating on pet kennels, dog houses, runs and other areas they use the most. As with all these pests, you may also hire a professional if in doubt or if a severe infestation arises.

MICE & RATS

Mice are much smaller than rats. However, they are similar in that they have poor eyesight and find their way into your home through cracks and openings, following their nose. These openings may be in the foundation, roof, floor (if unfinished) or anywhere else that has an opening 1/4-1/2" in size. So what attracts these pests? Food and shelter are big draws. Many times it is stored food that you may not directly associate as a problem. An example would be stored seeds or camping supplies. Don't consider your items stored in the attic are any safer, roof rats got their name for a reason! How do you know if you have a mouse or rat problem? If you don't see these pests directly you will hear them and often see their damage. There may be gnawing on holes or entry points in walls or cabinets and gnawing on food boxes and similar items as well. You may also find droppings in the home. Most likely if you see these pests you will see them at night or when it is more quiet in the home. Finally, how do you get rid of them? First eliminate how they are entering your home. Any holes should be closed off with tough metal mesh or sheets. The harder the material the better as these pests can work their way through anything soft, like wood! Remove the temptations like stored food or piled garbage or clutter. For stored foods consider moving items into plastic or glass containers instead of cardboard (depending on how accessible these items are). Next you may use traps or poison or a combination of the two. Most poisons are taken by the mouse or rat back to their burrow, so you may end up a with a dead mouse/rat in the wall of your home - this will not smell good! Also, mouse/rat poison will make pets and humans very sick if ingested, make sure to keep it away from pets and children. Check with a professional if you have a large infestation or are uncomfortable using traps and poisons on your own.

MOSQUITOES

Mosquitoes are annoying! They buzz in your ear and inflict bites that itch and seem to appear out of nowhere. It has always been known that some mosquitoes can transmit diseases. They have received more attention in the news lately due to their carrying the West Nile Virus. It is important that you keep repellent on you when camping and enjoying the outdoors. Here is some additional information about what do you do when they become a pest in your yard and home. So what attracts these pests? These pests lay their eggs in standing water. This can be a pond, a rain barrel, old tire or a tin can (to name a few). As long as there is a bit of water or moisture many species of mosquito can survive. Some will even lay eggs in low vegetation/ground cover that is damp and secluded. What attracts them to you and your pets is your blood supply. However, this is only the females as the male mosquito eats nectar from plants instead. How do you know if you have a mosquito problem? You will know if they are pestering you! Also, if you have standing water or a pond you can sometimes see their activity in the water. Finally, how do you get rid of them? You can start by eliminating standing water on your property. However, this may not rid you of the pest entirely as they can travel distances and may be breeding somewhere away from your home. Next you can get various repellents for your yard and home. However, keep in mind that it will be an ongoing treatment since this pest may be coming from outside your property. Oftentimes, personal protection such as sprays for the skin are your best defense against these pests.

SCORPIONS

These pests are more of an issue in southern states but do inhabit some northern states. They have two large pinchers and a stinger bulb at the end of their tail. Usually they will leave you alone unless provoked. However, if they are hiding in your home you may run into more problems than if they were only living outside. So what attracts these pests? They usually can come into the home like many other pests, through cracks and other openings. The are usually looking for bugs, moisture and dark places to hide. Directly outside the home they may be in wood piles or under rocks. How do you know if you have a scorpion problem? You will most likely see these pests at night when they are out hunting. It is also possible, if they are in your home, that you will find them in closets, bathrooms and other dark and/or damp areas where they are comfy. Seeing one does not mean you have an infestation, however, it does mean that they are getting into the house somehow and you should do an inspection of your perimeter to make sure you can keep others out. Finally, how do you get rid of them? Remove firewood, rocks and debris too close to the home which may offer them their first hideaway. If you have areas of your home prone to moisture problems, then get these areas fixed and dry them out. Regular bug control will help as well as you will be removing their food source. There are chemicals on the market, but you will want to rid your home of hiding places before using these. Seek professional help if you are uncertain. Also, make sure to wear protective clothing when searching them out such as gloves and boots. Most scorpions are not lethal to humans, but their sting will hurt like a wasp or large honey bee.

SPIDERS

Spiders are a part of home life. They can be good friends in combating unwanted insects and aid in pest control. For example, big colorful garden spiders may look intimidating, but they can prove a valuable ally in getting bugs out of your yard. However, all spiders can become pests themselves when they become too abundant or invade your home. So what attracts these pests? Most spiders are attracted to an area with many bugs to feed on. They usually want a high or low corner where they can remain undisturbed. Spiders that build webs, will do so where it can remain undisturbed but will also trap bugs as they wander about. Some spiders, such as wolf spiders, do not build webs but instead go out on potrol hunting for bugs. These spiders will hide out during the day and come out when it is quieter. How do you know if you have a spider problem? You may notice too many webs and in some cases, molted shells within the webs. You may also find egg sacs that are full of tousands of eggs that you will want to dispose of carefully. To squeeze one of these too hard is not a pleasant experience! Also, you may notice spider bites. These small bites will let you know that they are too abundant. Finally, how do you get rid of them? Like many of our other pests mentioned, getting rid of debris around and inside the house will help. Also, getting rid of their food supply - if you keep you other bugs out they won't have food to find in your home. Make sure you identify a spider before acting. If it is a poisonous spider, such as a hobo or brown recluse, you may want to get professional extermination. If it is a garden spider you may want to just trap them and put them outside in your garden where they will become a very good ally.

TERMITES

The most common pests that like to devour your home are termites. These pests alone are estimated to cause $5 billion a year in damages!* These pests will literally eat you out of house and home if left unchecked. Like many pest issues, the damage they can do to your home is devastating and unfortunately not covered by homeowners insurance. Therefore it is important when buying a home to get a inspection for bug problems. So what attracts these pests? Moisture is a big draw and they like to keep the humidity levels up. Keep the foundation of your home dry by ensuring all your drainage is working properly; make a point to check for moist spots so you may correct the drainage ahead of time. It is a good idea to keep a gap between any wood and dense plants and the soil around your home. Along these same lines, you should make sure gutters are kept clean of debris. If they become clogged these too will attract termites to your home. Keep firewood stored elevated off the ground and away from your home. You should not let unused firewood just sit and rot as this will become a termite haven. If building a new deck, fence, etc. make sure to use treated wood and seal it from water. Also, using sand around posts, under decks and other areas will make it more difficult for most termites to tunnel their way in. How do you know if you have termites? If you begin to see flying termites in your home and wings discarded in window sills, doorways, spider webs, etc. this may be a good indication that there is a colony in your home. One of the tell tale signs is pencil sized "mud-tubes" that are part of the network termites build. These tunnels in wood are soft and can easily be crumbled with a knife. Finally, how do you get rid of termites? There are three types of treatments a professional inspector can offer: soil treatment which uses a diluted poison placed in the soil to protect the perimeter and serves for long term protection from termites (this is usually used in cooperation with one of the next two treatments); wood treatment which treats the wood directly effected and surrounding area with poison, and finally bait treatment which draws the termites out which gather the poison and take it back to the colony. Whichever of these you choose, it is highly recommended that you consult a professional to get this type of job done correctly. One item you may want to ask a professional you hire concerns the chemicals they will use. Many of these are toxic well after applied. Make sure they are aware of children and pets in your home and might be able to offer alternatives if necessary.

In South Carolina where the summers are hot and humid, We rely on our air conditioning systems to keep us comfortable and keep the inside of our houses dry and mildew free. A great many homes in this area have what is commonly known as a Gas Pack system with an air conditioning condenser unit on the outside of the house, and a gas furnace and air conditioning evaporator coil in the crawl space under the house. The evaporator coil becomes very cold, and air that passes over it is cooled and looses its moisture in the form of condensation. This process cools and dries the air in your home so that you feel comfortable. In a very humid climate, the amount of condensation can be considerable. This moisture typically drains into a pan under the coil and is then either pumped or drained by gravity out of the crawl space and away from the structure. If the drain line becomes clogged, or the pump fails, or a pipe fitting comes loose, water backs up in the tray and/or drains onto the crawl space floor. Standing water in a dark, hot and humid crawl space is an invitation for mold and mildew to form. Many older HVAC systems are not airtight and allow crawl space air to enter the system, and where the condensation drainage is interrupted, mold and mildew can be pulled into your HVAC system. If, during an inspection, I find a broken, leaking or obstructed drain line, I report it to the home owner with a recommendation to have it repaired. It’s not a bad idea to have an annual heating and air conditioning check up, and to ask the technician to pay careful attention to the drain pan and pipes, and to make sure that the ductwork is in good condition with no splits, holes or gaps. If you suspect mold, contact a certified mold inspector.

Experience is sometimes an unforgiving instructor. At Homecheck we learned devastation caused by flood waters first hand when Cedar Rapids, IA was hit by a massive flood this past June (6/13/2008). Homecheck is parented by the company enlighten technologies™ which includes many other businesses in our family such as Lawchek®, LawyersListings, and HouseList, to name a few. Our headquarters on 1st Avenue in downtown Cedar Rapids was inundated with water after the Cedar River crested at 31.1 feet (19.1 feet over flood stage) to overtake 1,300 blocks of the city.* The first floor was completely lost and the second as well when water reached 4 feet on the upper level. A slow road to recovery, we have learned first hand the destructive power of flood waters. Reflecting on this experience and the items we have learned, we determined to write an article this month about what to do if a flood hits your home or business. We hope many of our readers never have to use the practical advice in this article.

*Specifics taken from articles: http://www.usatoday.com/weather/floods/2008-06-15-cedar-rapids-cleanup_N.htm; http://www.nytimes.com/2008/06/13/us/13flood.html?fta=y; http://en.wikipedia.org/wiki/2005_levee_failures_in_Greater_New_Orleans **Weather data: http://ia.water.usgs.gov/flood/flood.html

Before the Flood
It is not always possible to know when a flood will happen. It may be caused by an inundation of rain fall. Cities in Iowa were affected in this way when the Cedar and Iowa Rivers swelled with over 10 inches of rain in only one week.** This can then be compounded when man-made structures give way. This was seen in New Orleans when 50 levees broke during Hurricane Katrina.* So what can you do to protect your business or home before a flood happens?

• Find out about the land your structure is on. Does it sit on a flood plain? What is the threat level? Geologists or your county planning department will list these areas by the probability of a flood. For instance, Cedar Rapids has areas designated as 100 or 500 year flood plains. The flood in June was a 500 year flood. FEMA Offers flood maps detailing current flood risk. Simply type in your address and you can look at it online. You also have the option to buy a map, but as long as you are looking online, the service is free. http://msc.fema.gov/webapp/wcs/stores/servlet/FemaWelcomeView?storeId=10001&catalogId=10001&langId=-1

• Now that you know where your home or business stands, what kind of insurance is available? Talk to your insurance agent first. If you want to now more about insurance options, especially in higher risk areas, also check out the National Flood Insurance Program at www.floodsmart.gov/floodsmart/.

• Whether a household or a business, you should have an evacuation plan in place. Let family members and employees know what evacuation route to take if water is rising swiftly and an evacuation is ordered. For households you should include a place for everyone to meet whether it is a local shelter or a relative’s/friend’s house. Also, families should have an out of state contact that everyone may call to locate each other in case they are separated.

• Create an emergency kit to be ready at any time. Depending on the needs (home or business) some items to consider are:

• Clean water (enough for at least 3 days for every person and animal – generally 5 gallons per person)
• Nonperishable food for 3 days (don’t forget a can opener!)
• Suitcase with an extra pair of clothes and extra blankets or sleeping bags
• Baby Kit - Baby food, diapers and other supplies
• Pet food, leashes, vaccination info for your pet – you may have to leave your pet at a local pet shelter if you are evacuated as emergency shelters do not allow pets 
• First Aid Kit – try to include some extra prescription medications (not expired!) or details about any prescriptions so you can refill them if lost in the flood
• Personal Hygiene Kit – sanitary wipes or gel, soap, toothpaste, feminine supplies, deodorant, etc.
• Flashlights, radio or small TV, and batteries – you may also consider crank flashlights and radios
• Some items to have on hand particular to a flood threat: insect repellent, rubber boots and gloves, and thick shoes

• Back up your documents! If you are evacuated due to a flood there are certain documents you will need for claims and getting back on your feet. Keep a copy of these documents with your emergency kit, at a safe location other than your home or both. At the very least these documents should include: insurance information, social security number, and medical records including any active prescriptions. It would also be a good idea to make a list of emergency contact information including family and friends as well as local and state numbers you may need.

• Prepare your business or home to resist flood damage. Suggestions include: install sump pumps with a back-up source of power, install backflow valves or plugs to prevent sewage entering the home, and make sure any fuel or propane tanks are securely and properly installed.

During the Flood

• Once a flood watch or warning is given call local authorities and let them know of anyone who may have special needs and cannot leave the flood area easily. It is extremely helpful for authorities to know who needs help evacuating if an evacuation becomes necessary. Ideally, have a friend or family member who will try to get this person out first if it is still safe to do so. This way there is less chance of separation.

• Get your emergency kit and keep it at hand in case of an evacuation. If you have some prep time before, fill up the gas tank to make sure you can go at a moments notice. If an evacuation is ordered there may be heavy traffic and you may need to go some distance to a shelter.

• Secure any items outside that might become hazards in water such as garbage cans, lawn furniture, grills, etc.

• If an evacuation is imminent: turn off the power and gas. If an evacuation is ordered, evacuate immediately. Use the route the authorities have given and make certain not to drive through flooded roads.

• If you are not ordered to evacuate, stay home and listen to any future announcements. Unless helping a family member or friend for a specific purpose, stay off the roads and out of the way of emergency crews. Going to watch is not helpful and can be potentially very dangerous.

After the Flood

• First you will want to contact your insurance company. Even if you are not covered for a flood, you will need to contact your agent. This is why it is important to keep documentation with your emergency kit. You need to know your company, agent (if applicable) and your policy number. In the case of evacuation, make certain to specify the address and phone of where you can be reached now. This may also be a friend or relative who can act as a point of contact if you are not immediately near a dedicated phone. They will set up an appointment to meet with you and discuss your losses.If they do not get back in a few days be persistent and call again, just keep in mind they may be overwhelmed with claims.

• Work with authorities about your return. Although this part can be extremely frustrating, in the case of major floods they will want to assess the safety of your return before you may enter any neighborhood or structure. Choose representatives, as in the case of Cedar Rapids the first look at the property was restricted to 1-3 people depending on location. The authorities may have also set up a grade system for the status of your structure. In Cedar Rapids there were green, yellow and red signs letting owners know whether a structure was safe to enter, enter only with caution or too dangerous and deemed a total loss.

• Once it has been deemed safe by the authorities for you to return, start the process of sorting your property. Do not throw out all items as you will need your insurance agent to see these. However, if the items are considered too toxic to keep around, get pictures and samples of the items before disposing of them. Make sure to take all precautions necessary before entering a flood damaged building! Click here for more details.

• Take many pictures of the inside and outside of your structure before cleanup. Photograph any standing water, items that have to be disposed of immediately and general survey pictures of each room. Also, take pictures of the items that will have to torn out such as the walls, floors, etc.

• Make a list of all damaged and lost items. This will help when you work with your insurance agent to process your claim. With your agent you will make a Proof of Loss. This statement is your testimony to the damages suffered. It should be filed within 60 days unless circumstances have allotted more time. Once this is filed with your insurance company your claim will be processed, however, it may take some time if the area was hit especially hard.

After the Flood: Home and Family Recovery – Working with FEMA

• FEMA stands for the Federal Emergency Management Agency. As they state on their website they define their type of disaster assistance as “money or direct assistance to individuals, families and businesses in an area whose property has been damaged or destroyed and whose losses are not covered by insurance. It is meant to help you with critical expenses that cannot be covered in other ways. This assistance is not intended to restore your damaged property to its condition before the disaster.” In essence they are there to help those who could not or did not get flood insurance.

• Items FEMA will cover are: temporary housing in the instance of evacuation or unlivable conditions, repair for what the insurance company will not cover (this is just until the home is safe, not necessarily with the same materials as before), and permanent housing construction. This last is only available to those who cannot get flood insurance at all due to location.

• FEMA can help with recovery costs that are not directly related to the home. These additional expenses can only be claimed if you live in a disaster area as designated by the President, you have already filed with your insurance company and find you are not covered, and you have serious needs directly related to the disaster. Some of these costs listed on the FEMA website include:

• Disaster-related medical and dental costs.
• Disaster-related funeral and burial cost.
• Clothing; household items (room furnishings, appliances); tools (specialized or protective clothing and equipment) required for your job; necessary educational materials (computers, school books, supplies).
• Fuels for primary heat source (heating oil, gas).
• Clean-up items (wet/dry vacuum, dehumidifier).
• Disaster damaged vehicle.
• Moving and storage expenses related to the disaster (moving and storing property to avoid additional disaster damage while disaster-related repairs are being made to the home).
• Other necessary expenses or serious needs as determined by FEMA.
• Other expenses that are authorized by law. http://www.fema.gov/assistance/process/assistance.shtm

• You can reach FEMA by calling 1-800-621-FEMA (3362) or TTY 1-800-462-7585

• When making any claim, you should have the following at hand: your social security number, current and damaged address, current phone contact, insurance information, household annual income, routing number to your bank to receive funds, and a detailed description of the losses.

• You may be referred by FEMA to SBA which offers low-interest disaster loans. “Homeowners may borrow up to $200,000 for disaster related home repairs. Homeowners and renters may borrow up to $40,000 to replace disaster-damaged personal property including vehicles.” However, you can not receive duplicated aid already received from FEMA.

• To find currently approved disaster areas you can go online: http://www.fema.gov/news/disasters.fema

After the Flood: Business Recovery – Working with SBA

• SBA stands for the Small Business Administration which has a specific branch for disasters the Office of Disaster Assistance (ODA) that offers federal low-interest, long term loans for “homeowners, renters and non-farm businesses.” An Economic Injury Disaster Loan (EIDL) is available to small businesses specifically geared towards helping with day to day expenses so a business may continue to operate.

• SBA can release disaster loans if one or more of the following conditions are met: Presidential Disaster Declaration, • • Agency Physical Disaster Declaration (based on a minimum amount lost), Governor Certification Declaration, Secretary of Agriculture Declaration, Secretary of Commerce Declaration, or Military Reservist Economic Injury Disaster Loan (for businesses that lose key personnel who are called to active duty).

• For Physical Disaster Loans which help replace an uninsured or under-insured property, an inspection team from SBA’s ODA will review the site and claims.

• Applicants do have to show some reasonable ability to pay back the loans. However, since they are low-interest and can be as long as 30 years, they are easier to qualify for than standard loans.

• Especially with real estate, the SBA’s ODA will continue contact with the borrower to make certain construction is on schedule and funds are being used appropriately.

• You can reach SBA by calling 1-800-659-2955 8am-9pm EDT. Or email them at disastercustomerservice@sba.gov.

More Information

FEMA and the American Red Cross have made a pamphlet entitled Repairing Your Flooded Home which is available as a PDF. A great resource, page 55 has a very useful emergency contact list as well.

• Click here for Repairing Your Flooded Home by FEMA and the American Red Cross (PDF)

Additional pointers from Homecheck:

• Cleaning Up after a Flood (HTML)
• Battling Mold after a Flood (HTML)

Some Ways to Help Our Neighbors

Downtown Cedar Rapids, Iowa on Sunday, June 15, 2008 after the waters have started to recede.

Aidmatrix Network - Iowa
The Safeguard Iowa Partnership and the Iowa Disaster Human Resource Council have partnered to provide the Aidmatrix Network, an easy way to make monetary and product donations to the nonprofit organizations that are assisting in the response and recovery efforts following recent disaster events in Iowa.

Cedar Rapids Czech & Slovak Museum
www.ncsml.org
The National Czech & Slovak Museum & Library staff and board continue to work through the challenges of flood recovery. Our five museum buildings are cleaned out and secure. Visitors from across the country have been calling to plan summer visits. Some have already made their way here and are shocked and dismayed to find a sight they never expected - boarded up buildings, sandbars in the garden, and piles of debris. We are assuring them we will survive and be back in business, but it will take time. To us it's surprising there's still a world out there that doesn't know about the flood!

Cedar Rapids Public Library
Our public library lost all of the first floor which included books and magazines for adults.The children's book section was mostly recovered. They are currently looking for temporary space: "07 July 2008 - Librarians are compiling a list of books and other materials that the CRPL’s book distributor will hold until the library has a place to put them. The books will arrive pre-processed, which means that staff will be able to shelve them immediately, saving an enormous amount of time. Once the list is compiled, individuals will have an opportunity to select a book from the list to donate. “Many of our patrons and supporters have been asking what they can do. This will be a way to help rebuild our library,” says Glise. “By fall, we hope to have a wish list available.”

Corridor Recovery
Corridor Recovery is a not-for-profit partnership between government, civic, business and faith-based organizations, created to respond to the Flood of 2008. As the flood waters peaked, Corridor Recovery quickly became the primary resource for materials and information for Linn County and Cedar Rapids. We provide resources for local governments and agencies to distribute flood-recovery information to the public in a critical time of need, and to coordinate volunteer efforts in the clean-up and recovery process.

Greater Cedar Rapids Community Foundation
www.gcrcf.org
The Greater Cedar Rapids Community Foundation opened the Flood 2008 Fund on June 15. The Flood 2008 Fund is for flood relief and recovery donations. One-hundred percent of financial donations to the fund will support response, recovery and rebuilding efforts throughout the Cedar Rapids-metro and surrounding communities. The first priority will be to work with local nonprofit organizations to support individuals and families affected by the floods. The GCRCF is committed to helping individuals, families and the nonprofit community recover and rebuild from the catastrophic flood.

Embrace Iowa 2008 Disaster Fund
Embrace Iowa is a program of statewide outreach by the Des Moines Register. Since it already has an established logo, identity, and donation tracking mechanism, the Iowa Disaster Collaborative is using the Embrace Iowa website as one way for donors to make a donation and learn more about the 2008 Iowa Disaster Fund.

Iowa Commission on Volunteer Service
If you are interested in helping in a particular area of the state, please use this section of our Web site to get in touch with local officials, who are collecting a list of where and when volunteers are most needed.

University of Iowa Foundation
For those wishing to support the University as it struggles to recover from flood-related damage not covered by insurance or other resources, we encourage contributions to the UI Flood Relief Fund.

Sources for this article which include even more detailed information:

Center for Disease Control
CDC.gov (www.cdc.gov) is your online source for credible health information and is the official Web site of the Centers for Disease Control and Prevention (CDC). CDC is committed to achieving true improvements in people’s health. CDC applies research and findings to improve people’s daily lives and responds to health emergencies—something that distinguishes CDC from its peer agencies. Working with states and other partners, CDC provides a system of health surveillance to monitor and prevent disease outbreaks (including bioterrorism), implement disease prevention strategies, and maintain national health statistics. CDC also guards against international disease transmission, with personnel stationed in more than 25 foreign countries

FEMA – Federal Emergency Management Agency
http://www.fema.gov/
FEMA has more than 2,600 full time employees. They work at FEMA headquarters in Washington D.C., at regional and area offices across the country, the Mount Weather Emergency Operations Center, and the National Emergency Training Center in Emmitsburg, Maryland. FEMA also has nearly 4,000 standby disaster assistance employees who are available for deployment after disasters. Often FEMA works in partnership with other organizations that are part of the nation's emergency management system. These partners include state and local emergency management agencies, 27 federal agencies and the American Red Cross.

National Flood Insurance Program
http://www.floodsmart.gov/
Congress established the National Flood Insurance Program (NFIP) to address both the need for flood insurance and the need to lessen the devastating consequences of flooding. The goals of the program are twofold: to protect communities from potential flood damage through floodplain management, and to provide people with flood insurance.

SBA – Small Business Administration 
http://www.sba.gov/
The U.S. Small Business Administration (SBA) was created in 1953 as an independent agency of the federal government to aid, counsel, assist and protect the interests of small business concerns, to preserve free competitive enterprise and to maintain and strengthen the overall economy of our nation. We recognize that small business is critical to our economic recovery and strength, to building America's future, and to helping the United States compete in today's global marketplace.