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Featured Articles

Reduce Your Heating Bills This Winter

Tips for reducing your bill.

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Imagine leaving a window open all winter long -- the heat loss, cold drafts and wasted energy! If your home has a folding attic stair, fireplace or clothes dryer, that may be just what is occurring in your home every day. These often overlooked sources of heat loss and air leakage can cause heat to pour out and the cold outside air to rush in -- costing you higher heating bills. Air leaks are the largest source of heating and cooling loss in the home. Air leaks occur through the small cracks around doors, windows, pipes, etc. Most homeowners are well aware of the benefits caulk and weatherstripping provide to minimize heat loss and cold drafts. But what can you do about the four largest “holes” in your home -- the folding attic stair, the whole house fan, the fireplace and the clothes dryer? Here are some tips and techniques that can easily, quickly and inexpensively seal and insulate these holes. Attic Stairs When attic stairs are installed, a large hole (approximately 10 square feet) is created in your ceiling. The ceiling and insulation that were there have to be removed, leaving only a thin, unsealed, sheet of plywood. Your attic space is ventilated directly to the outdoors. In the winter, the attic space can be very cold, and in the summer it can be very hot. And what is separating your conditioned house from your unconditioned attic? That thin sheet of plywood. Often a gap can be observed around the perimeter of the door. Try this yourself: at night, turn on the attic light and shut the attic stairway door -- do you see any light coming through? These are gaps add up to a large opening where your heated/cooled air leaks out 24 hours a day. This is like leaving a window open all year round. An easy, low-cost solution to this problem is to add an attic stair cover. An attic stair cover provides an air seal, reducing the air leaks. Add the desired amount of insulation over the cover to restore the insulation removed from the ceiling. Whole House Fans Much like attic stairs above, when whole house fans are installed, a large hole (up to 16 square feet or larger) is created in your ceiling. The ceiling and insulation that were there have to be removed, leaving only leaky ceiling shutter between the house and the outdoors. An easy, low-cost solution to this problem is to add a whole house fan cover. Installed from the attic side, the whole house fan cover is invisible. Cover the fan to reduce heating and air-conditioning loss, remove it when use of the fan is desired. If attic access is inconvenient, a ceiling shutter cover is another option for reducing heat loss through the ceiling shutter. Made from R-8, textured, thin, white flexible insulation, and installed from the house side over the ceiling shutter with Velcro, a whole house fan shutter cover is easily installed and removed. Fireplaces Sixty-five percent, or approximately 100 million homes in North America are constructed with wood or gas burning fireplaces. Unfortunately there are negative side effects that the fireplace brings to a home especially during the winter home-heating season. Fireplaces are energy losers. Researchers have studied this to determine the amount of heat loss through an unlit fireplace, and the results are amazing. One recent research study showed that an open damper on an unlit fireplace in a well-insulated house can raise overall heating-energy consumption by 30 percent. This is truly a remarkable statistic! A recent study showed that for many consumers, their heating bills may be more than $500 higher per winter due to the air leakage and wasted energy caused by fireplaces. Why does a home with a fireplace have higher heating bills? It is simple - hot air rises. Your heated air leaks out any exit it can find, and when your heated air is drawn out of your home, cold outside air is drawn in to make up for it. The fireplace is like a giant straw sucking the heated air from your house! An easy, low-cost solution to this problem is to install a fireplace draftstopper. Available from Battic Door, a company known for their energy conservation products, a fireplace draftstopper is an inflatable pillow that is installed into the fireplace below the damper. As the pillow is inflated, it seals the damper, eliminating any air leaks and heat loss. Other benefits include the reduction of downdrafts, toxins, odors, pollutants, and noise. The pillow is removed whenever the fireplace is used, then reinserted after. Completely reusable and available in two sizes to fit any masonry or zero-clearance fireplace, the draftstopper can pay for itself in less than a month! Clothes Dryer Exhaust Ducts In many homes, the room with the clothes dryer is the coldest room in the house. Your clothes dryer is connected to an exhaust duct that is open to the outdoors. In the winter, cold air leaks in through the duct, through your dryer and into your house. Dryer vents use a sheet-metal flapper to try to reduce this air leakage. This is very primitive technology that does not provide a positive seal to stop the air leakage. Compounding the problem is that over time, lint clogs the flapper valve causing it to stay open, or a cold breeze can blow the flapper open, allowing frigid air right to come right into the house. An easy, low-cost solution to this problem is to add a dryer vent seal. This low-cost, easily installed vent is mounted on the outside of your house, and reduces unwanted air infiltration, and keeps out pests, bees and rodents as well. The vent will remain closed unless the dryer is in use. When the dryer is in use, a floating shuttle rises to allow warm air, lint and moisture to escape. If your home has a folding attic stair, a whole house fan, a fireplace, and/or a clothes dryer, you can easily, quickly and inexpensively seal and insulate these holes. At Battic Door Energy Conservation Products, we have developed solutions to these and other energy-conservation related issues. For more information please visit our website www.batticdoor.com or send a self-addressed, stamped, envelope to P.O. Box 15, Mansfield, MA 02048.

Interior Design

What to Look for in Interior Design Schools

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The interior design industry is growing and is expected to grow 17% by 2014.* Those interested in this career should have strengths in interpersonal communication and project management. Interior designers work on a regular basis with business and home owners, architects and various trades professionals from carpenters to electricians. Planning these projects will take good communication and the ability to plan around various schedules. Interior designers should also have an artistic and creative mind. Many times they will need to "think outside the box" to make a space work with both function and aesthetic design. Most interior designers work through the following steps: assess the needs of the client, make a plan for review, calculate the estimated cost, select materials to be used on the project, contact architects and other trade professionals if needed, set a timeline, and coordinate all materials and labor for the project thru to completion. It is quite a list, but many enjoy the challenge all the same. Does interior design sound like something you would enjoy? Then time to sign up for classes! This month we look at interior design schools, what to look for in the school and where they are located in your state. Perhaps it is time to begin that new career.

Part I: What to Look for in Interior Design Schools

The recommendation is that those interested in interior design get a postsecondary degree for most entry level positions. Besides a school education, many interior designers also do anywhere from 1-3 years of apprenticeship in the field. Gaining this "real-world" experience can be just as important as the school education. Therefore, consider schools that help prepare you for work inside and outside the classroom.

  • Here are some items you should consider when choosing an interior design school:
  • Take a look at class size and curriculum. The school should offer both theory and hands-on experience in labs, internships or other projects.
  • Set up an interview with faculty and/or students along with a visit to the school. Some schools may let you sit in on a beginning level class for the day to get a feel for the school's culture and program style.
  • Consider the area of interior design you want to specialize in when choosing a school. Some schools may have more experience or strengths in different specializations. Areas of specializations vary: Commercial Design, Residential Design, Hospitality Design, Healthcare Design, Green Design and so on.
  • Get to know the faculty members via online bios or in-person interviews. Does their experience and expertise fit in with the type of interior design you wish to pursue?
  • If required in your state, the school should help you prepare for the state interior design certification/competency exam.
  • Check to see if the school you selected did the voluntary accreditation with the Council for Interior Design Accreditation or the National Association of Schools of Art and Design.
  • Find out what type of apprenticeships are available or if students must arrange their own outside "real-world" experience.
  • What kind of employment opportunities are available to graduates? The school should offer data about employment rates and a list of they types of employers their graduates work for.
  • Does the school offer continuing education classes that you may take after graduation? You may need access to these types of classes to learn about innovations in the field or keep an active professional certification or license in your state.

Useful Interior Design Sites

American Society of Interior Designers
www.asid.org
ASID is a community of people—designers, industry representatives, educators and students—committed to interior design. Through education, knowledge sharing, advocacy, community building and outreach, the Society strives to advance the interior design profession and, in the process, to demonstrate and celebrate the power of design to positively change people’s lives.

ASID: List of Registration Laws
Currently, 25 states and jurisdictions have licensing requirements for interior design practitioners. In many of these states, you cannot even call yourself an interior designer unless you meet or exceed a certain level of accredited education and in some cases pass the qualifying exam administered by the National Council for Interior Design Qualification. Regulation of interior design practice continues to become increasingly wide spread.

Careers in Interior Design
This website has been created by professional organizations as a service to individuals pursuing a career in Interior Design.

Council for Interior Design Accreditation
ww.accredit-id.org
The Council for Interior Design Accreditation is an independent, non-profit accrediting organization for interior design education programs at colleges and universities in the United States and Canada.

Interior Design Educators Council, Inc.
www.idec.org
The Interior Design Educators Council, Inc. (IDEC) was founded in 1963 and is dedicated to the advancement of education and research in interior design. IDEC fosters exchange of information, improvement of educational standards, and development of the body of knowledge relative to the quality of life and human performance in the interior environment.

The Interior Design Society
www.interiordesignsociety.org
The Interior Design Society (IDS) was founded in 1973, and is the largest design organization exclusively dedicated to serving the residential interior design industry.

International Interior Design Association
www.iida.org
The International Interior Design Association (IIDA) is a professional networking and educational association of more than 10,000 Members in 8 specialty Forums, 9 Regions, and more than 30 Chapters around the world committed to enhancing the quality of life through excellence in interior design and advancing interior design through knowledge.

The Library of Congress: Architecture and Interior Design
http://memory.loc.gov/ammem/collections/gottscho/
The Gottscho-Schleisner Collection is comprised of over 29,000 images primarily of architectural subjects, including interiors and exteriors of homes, stores, offices, factories, historic buildings, and other structures.

US Department of Labor: Bureau of Labor Statistics
ww.bls.gov/oco/ocos293.htm
Statistics and review of the Interior Design profession.

How to Become a Home Inspector

Home inspectors must have a good knowledge of homes, and drive to learn more.

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Owning a home is a popular investment. As with any investment the buyer wants to be certain there are no problems with the home. It is also beneficial to be aware in advance of any flaws that may need to be corrected. Thus enters the profession of home inspection. Home inspectors are usually hired by the home buyer, realtor or mortgage brokers to review the home to be purchased. They are asked to do a thorough check of the indoor and outdoor condition of the home. This invaluable home check is a type ofinsurance for the home buyer and money lender. They gain detailed information about the quality and condition of their investment. So how does one become a home inspector? Home inspection is an involved career that requires self motivation, great people skills and small business acumen. If you ever wondered how to become a home inspector then read on and review the links provided for a quick guide to this growing career. Part I: What It Takes There are many skills one must have to be a home inspector. Some may assume that one need only a knowledge of homes and home repair andmaintenance to work in this field. Home inspection requires a great deal more. It is true, home inspectors must have a good knowledge of homes but they must also have the drive to learn more if they want to have the most up-to-date information for their clients. Home inspectors must also be very good with people. Home inspection requires a great deal of customer service. They should expect daily interaction with clients, realtors, lenders, and even other inspectors. Finally, home inspection is most often a small business. Home inspectors are either starting their own small business or joining another small business in the area. Each of these skills deserve a closer look and further explanation. But first, it will help to map out a typical day in the life of a home inspector. A typical day for a home inspector does not follow the an 8 to 5 schedule. Instead home inspections may take place after normal work hours and even on the weekends. It usually depends on what works best for the client. When scheduling an inspection, most home inspectors encourage the client to be present at the time of the inspection so that they may follow the inspector through the process. This is especially the case when the client is the home buyer. On the scheduled day, after a short introduction with the clients, the inspector begins to assess the home. As the inspector reviews and takes notes, they also point out good and questionable details to the client. Because the client is with them during the inspection they may ask questions and get clarification about what may be done to fix problems or how to adopt better preventive maintenance. Home inspectors always prepare a report for the client and will often remind them that whatever they point out during the review will be in more detail in the report later. A good inspector will do all the easily accessible indoor and outdoor inspection with the clients. After this they usually inspect the roof, attic, under the house and other hard to reach places on their own. Once the inspection is over the inspector will wrap up with the clients and arrange to send them or their realtor the final report. Nowadays, most inspectors take their notes and enter them into computer programs to give good, detailed reports to their clients within in 24-48 hours. This quick turn around time is important as an offer for a home may be waiting for the results of the inspection to close. After this inspection the inspector may not have time to run back to the office or run the notes through on the laptop; thus it is imperative they took good notes. Instead they may leave one inspection directly for another. At the end of the day they may finally get the chance to sit down, review notes and polish final reports. So what does the inspector review and place in the report? Home inspection is a thorough review of a home. It requires knowledge of homes and home maintenance and repair. Usually those entering the home inspection field either have a background as a home professional, i.e. contractor, plumber, electrician, or they are already a good all around handyman, i.e. their relatives actually trust their help on home repairs! But to become a home inspector they must continue their education and round out their knowledge of the home. The areas they will investigate (and therefore must have knowledge of) include: Foundation: i.e. spotting structural defects and damage Plumbing: i.e. pipes, fixtures and corrosion Electrical: i.e. grounding, fuses and breakers Roofing: i.e. roofing materials, draining systems and detecting leaks Equipment: i.e. stoves, furnaces, and air conditioners Interior: i.e. cabinets, fire places, and doors & windows Exterior: i.e. patio, decks, driveway and walkways The above list is only a brief review but illustrates the broad range of knowledge the home inspector must have. To inspect all of these items they must be a sort of jack-of-all-trades. The home inspector must be able to review the construction and wear on a home with a critical eye. They must understand enough to be a little bit of everyone: plumber, electrician, carpenter, maintenance mechanic, roofer, contractor and mason; to name a few. Having the knowledge is the first step, being able communicate that knowledge to clients is another necessity for home inspectors. One must be a "people person" and a great communicator to enter the home inspection business. Home inspectors work with a diverse clientele. Most of the clients are home buyers, and as homes vary in price and personality, so do the people buying them. Many times the clients accompany the home inspector through the review of the home. During the inspection, the home inspector gives initial impressions of the state of the home. The clients often have questions and want further explanations. Inspectors should expect this and be patient when clarifying their information. A rapport with the client also makes the long process, usually over an hour, go by more quickly. And although the inspector knows their stuff, they will also want their relaxed personality to convey this to the client who may be anxious about their potential home. Besides the home buyer, home inspectors will also work with realtors and home sellers. Here they face the pressures of pleasing their client with their professionalism but not holding back when their critical eye may see something the seller did not expect. This may be harder customer service as it is never an easy task to tell the client bad news. Finally, home inspectors may work with other professionals such as lawyers. A knowledgeable home inspector may include expert witness testimony as a service to the professional community. But opportunities as an expert witness only come to those who can communicate their knowledge clearly. Being a good communicator and a "people person" will help the home inspector in this predominantly small business field. Most home inspection businesses are small companies run by an individual or a small group of individuals. The flexible hours and little overhead make this an ideal small business to start. If one individual wants to set up their small business, most states make this easy to accomplish. However, many states do have regulations for home inspectors to follow (see links listed below for detailed information for your state). The benefits of the small business, setting your own schedule, determining your pay, etc. also come with a cost. The small business owner must be self motivated. There are times when the work day will easily stretch past the 8 hour norm. Small business owners must be willing to promote themselves and get their name out there. The small business owner is their own boss, marketing manager, project planner, secretary, and sometimes accountant. If a home inspector joins a firm, these are generally small businesses as well. Here staff may not do everything, however, as in all small businesses, it works best when everyone is willing to do a little more than their usual workload for the well being of the company. The perks of these smaller business groups is that they often have their employees best interests at heart and will work hard to make a good working environment for everyone. Small business has a different culture than most jobs and the home inspecting profession fits well into this group; anyone interested in the home inspection trade should be aware of everything a small business has to offer. Home inspection is an involved career. It has variable workdays with new people and places every day. Home inspectors are interested in learning about homes and all their components. They take time to learn the details and are patient when sharing and explaining that information with clients. Home inspectors can work with a diverse audience and may even have the communication skills to be an expert witness. They are self motivated small business owners and/or members. To them, the benefits and rewards are greater than any of the challenges a small business may offer. All these traits together are the basic skills one needs to be a home inspector. Now, how does one get the well-rounded education and connections they need to start? Check out Part II of our article to find out Where to Start. Part II: Where to Start A career as a home inspector is sounding like the perfect fit for your lifestyle and business preference. You are handy around the house or already have some education in one of the home professional fields. To you, homes are a playground with all kinds of potential. But now where do you go? To become a home inspector you will want to start with classes. After taking a class there are many home inspection associations out there to join. Finally, you will want to decide if you want to start your own business or if you want to join a firm in your area. Then you will be ready to tackle your first client! But first, where do you go to learn the home inspection trade? There are many associations and companies that offer home inspector training. Most have correspondence courses by video/mail or Internet. These classes vary, but sites that do list cost show average prices over $1000 for a complete course. Many of these groups also offer smaller programs to learn or review specific areas of home inspection. These are useful to those with some starting background or home inspectors already in the field that want to increase their specific knowledge. Specialized courses for home inspectors already in the field may be used as continuing education credits which is required by most organizations. These continuing education courses also help inspectors expand their services. For example some inspectors may choose to include commercial inspections or learn more about becoming an expert witness (to learn more about continuing education see our links below). Some organizations do have in person classes available, depending on location. Many of these classes are geared towards the adult learner who may be working around another full time job. Most of these training programs come with a comprehensive test and more information about state specific rules. Another great benefit about a lot of these programs is that they include small business and general customer service overviews. Students learn how to start and promote their business. Often, information for creating professional relationships with realtors and others in the real estate business are included. This may prove to be extremely helpful to those starting home inspection as their own small business. Finally, these programs often demystify the process of writing clear reports for clients. They may also cover the various types of software and tools available to the home inspector writing reports. These classes are great in training future home inspectors about how to inspect, where to find clients, how to set up the business and what tools are available to make their trade easier. With the class taken and exams passed, the home inspector will want to look at joining a professional organization. Home Inspection associations offer membership benefits to those in the career. To join, home inspectors must usually show some competence in the field. They may either do this by providing their state license (if their state requires it) and/or taking an exam. Most associations do have a means of reviewing the inspectors that join (see our list of membership links below). Home inspectors must adhere to the 'Standards of Practice' for the organization. By providing clear guidelines to follow, these associations protect the home inspector, consumer and the profession. Many consumers are looking for home inspectors that belong to one or more organizations because the high standards these groups expect for their members. In this way, membership may be used as a positive advertising tool. Once a member, it is usually required that inspectors keep their knowledge updated through continuing education. Most associations offer continuing education classes and seminars for their members. Besides educational opportunities, these organizations also offer newsletters, discussion forums, example cases and other materials to aid the home inspector. Finally, many associations have local chapters. Through these local groups home inspectors may connect with others in the profession. Some associations offer mentorship programs through local chapters as well. Thus, home inspector associations offer training, professional guidelines, aids, and local connections. Home inspection is traditionally a small business and it is up to the inspector as to how much of the business they want to control alone. To start a one person small business is possible for the home inspection career. However, this takes self discipline and direction. There are also requirements and rules that must be followed in each state. Contacting the local Better Business Bureau is a good start. But also a small business class or contacting a lawyer will help clarify the paperwork and process of starting a small business. Another option is to buy into a home inspection franchise (see business aid links for examples).After they have a good foothold, some home inspectors may hire a small staff that can help with scheduling, reporting and bookkeeping. As the business grows the home inspector may start a small firm and hire on other inspectors. Some inspectors prefer to start with a firm already in place. These smaller groups offer guidance and mentorship for those new to home inspection. When set up as a company, they may also offer the individual legal protection under the business name rather then having their own personal name at risk. Traditionally a small business, it is up to the home inspector to find what kind of small business works best for them. Once an interest is established the road to becoming a home inspector is clear. One must first educate themselves about running home checks, writing reports, and working with clients. Joining a home inspection association will help further the home inspectors education, resources and connections. One of the toughest choices for the new home inspector would be if they want to start under the guidance of another in a small firm or if they want to start out on their own. Once these steps are taken the home inspector may take on the first clients and begin their career. Conclusion A home inspector is a well rounded individual who is both flexible and knowledgeable. They are jack-of-all-trades around the house and are dedicated to continuing their education to know the latest about their field. Home Inspectors are great communicators and enjoy working with various people in a job that changes daily. They have the dedication and interest in working in a small business. After testing their knowledge, they usually join an association with a good 'Standards of Practice' they agree to follow. The 'Standards of Practice' provides clear guidelines to follow, thus protecting the home inspector, consumer and the profession. The finally decision of the home inspector will be if they want to start their own small business or join another firm already started in their area. Whichever they choose they enter it understanding the great benefits and hardships of a small business. Home inspection is fast growing career with many benefits and challenges. If contemplating the career, take some time to look over the links provided for Training, Membership Information, State Regulations, Continuing Education, Small Business Aid. Home Inspection Training Allied Home Inspection www.homeinspectioncourse.com The course is available online or through traditional correspondence. The textbook used in Allied's course is one of the most comprehensive texts available. It covers the inspection process from start to finish (including quizzes at the end of each chapter, an inspection checklist for each topic and a glossary). This book can be used as an inspector's guide in the field. In addition, Allied's course provides supplemental reading which will reveal dozens of special techniques used by professional home inspectors, what they look for and the inspection methods they use. Allied's Home Inspection Course has 13 comprehensive lessons which provide "hands on" instruction. ASHI School of Home Inspection www.ashi.org/inspectors/training.asp ASHI [American Society of Home Inspectors] has created several educational opportunities for prospective home inspectors to learn about the profession and gain the skills and knowledge necessary to become a competent home inspector. Depending on your learning style and preference, you can take courses from the convenience of your home, your local community college or through one of ASHI's endorsed independent training schools throughout the United States. Certified Inspection Training, Inc. www.certifiedinspectiontraining.com Certified Inspection Training, Inc, successfully teaches people how to become home inspectors and just as importantly, how to set up and run their own home inspection business. Classes include: a stand alone Home Study Course, a 3-Day Course combined with the Home Study Course, a one day Structural Pests and Dry Rot Class and a Home Study Pests and Dry Rot Course. The class training is professional and intensive, with study both in the classroom and most importantly, in the field with hands-on practice. HE - A Better School of Building Inspection www.hometraining.com HE - A Better School of Building Inspection (a leader in home inspection training materials) has trained hundreds of home inspectors across North America with home study, live instruction, a combination of both, and advanced coursework on commercial inspections and new construction inspections. We are nationally recognized and affiliates of ASHI, NAHI, FABI, and CREIA. Our training is also accepted in many of the states which currently require licensing or continuing education of home inspectors. Our coursework is also approved by Allen Insurance Group and FREA (home inspector errors and omissions insurers) as an approved training affiliate. Come visit our site to learn more about our videos, live instruction, inspection report disks, tools, etc. Also, check out our Weekly Internet Specials. Home Inspection Institute of America www.inspecthomes.com The Home Inspection Institute of America provides expert home inspection training courses, home inspection certification, home inspection continuing education, top-notch inspection products, and a wealth of information for home inspectors and home buyers. Inspection Support Services Inc. www.inspectsupport.com/courses.htm Inspection Support Services offers the following courses along with other home inspection training courses and and a number seminars including Defect Recognition and Report Writing for both residential and light commercial properties. For further information contact us with your training needs - we will be glad to help you! InspectAmerica Engineering, P.C. www.inspectamerica.com/Home_Inspector_Training/ InspectAmerica Engineering, P.C. offers a home inspector training program for persons interested in entering the home inspection business, as well as for home inspectors who are interested in improving their home inspection service skills and receiving feedback on their home inspection techniques. Home inspector training is also available for persons with a casual or related interest, such as real estate agents, appraisers, mortgage lenders, real estate attorneys, etc., who are interested in learning more about the home inspection business. Our home inspector program can help make you more knowledgeable and proficient in your own business. Our program is also available to home owners who want to know more about the ins and outs of their home. ________________________________ Click here for more links on Continuing Education for Home Inspectors. ________________________________ Inspection Training Associates www.home-inspect.com ITA offers the most complete home inspection training available, with licensed home inspection schools nationwide. Our specialty inspection classes offer specific training on the largest variety of inspection topics. In 1987, ITA founded North America’s first licensed home inspection school, and today we continue to help thousands of people create successful home inspection businesses. ITA has more experience than any other home inspection training school and is backed by Kaplan Professional Schools, one of the world's largest providers of career education. Our instructors are the voices and experts of the profession – many have served as past or present officers of the leading professional associations in the industry. NACHI's Inspector University www.nachi.org/education.htm NACHI [National Association of Certified Home Inspectors] Education today launched the first part of its on-line home inspector education program. The initial published course concentrates on the NACHI Standards of Practice and how they should implemented. There are several non-scoring quizzes built into the system which allow the student to evaluate their understanding of the material presented. Many of the questions written for this course have been added to the SOP exam database, which is the final exam for this course (its completion is an existing membership requirement). National Institute of Building Inspectors® www.nibi.com The National Institute of Building Inspectors® (NIBI®) has provided educational and training programs for the home inspection industry and related professions since 1987. NIBI evolved from training programs developed for the HouseMaster® franchise system, and is recognized as one of the oldest and most experienced home inspection training institutes. While continuing its affiliation with HouseMaster, NIBI offers training for the entire home inspection profession and has developed an enviable reputation for raising inspection standards and increasing awareness of the need for formal home inspection training. Professional Home Inspection Institute www.homeinspectionschool.biz At PHII we have devoted our efforts into creating the best at-home course in the nation. Rather than give you thick books full of information you don't need, or endless hours of video tapes with no interaction, we provide an easy-to-master, interactive course you can complete in just a few weeks with the help of your home computer! We also offer a variety of additional hands-on training opportunities to give new inspectors the experience they need. Professional Inspection Training Institute www.homeinspectiontraining.net We understand that choosing the right Home Inspection school is an important decision. We want to assist you in making a decision that will meet your personal and financial goals. At the Professional Inspection Training Institute, we provide the training that you need to learn the "hottest" growth profession of the decade - home inspection. Our advanced Home Inspection Training is designed to give you in-depth knowledge on current Home Inspection practices, while our hands-on technical instruction will acquaint you with building systems and construction. Cash in on the growing demand for Professional Home Inspectors by training with the Industry Leaders! Thompson Education Direct www.educationdirect.com/inspector/ There are certain skills you need to begin a career in home inspection. The Education Direct Home Inspector training program helps you develop them quickly and conveniently. You’ll learn about: Construction methods; Inspection standards and building codes and regulations; Interior and exterior inspections; Inspecting electric, heating, air conditioning, and plumbing systems; Starting your own Home Inspection business. And you’ll learn it all at home – no classroom needed! This Education Direct distance learning program is like having your own personal Home Inspector school! More Links Home Inspection Membership American Association of Home Inspectors www.aahi.com The American Association of Home Inspectors Inc. is a professional membership organization of "Certified Home Inspectors"TM nationwide. AAHITM was organized in 1989 by the American Institute of Home Inspectors, who has been training home inspectors since 1981. AAHITM is the only National Association that certifies Home Inspectors using a Certification Mark granted by the United States Patent and Trademark Office (Reg. No. 1,662,100) in 1991. The Certification Mark is to be used to certify certain person or persons that have met the education and/or experience criteria as set forth by AAHITM . Current members of AAHITM are granted the right to use this Registered Certification Mark. AAHITM is the Nation’s leading Home Inspectors Association and is not controlled by a group of selected inspectors and does not require sponsorship or approval by your competition for membership. AAHITM has members in 48 states, Canada and Puerto Rico. American Society of Home Inspectors www.ashi.org The American Society of Home Inspectors (ASHI) Web site is your most valuable source of information about home inspection. Home buyers, sellers, real estate professionals and home inspectors alike recognize our resources, educational programs, our Standards and Ethics and our newest program, the ASHI Experience as models of professionalism and superior customer service. We welcome you and invite you to join us in shaping the future of the home inspection profession. For 28 years, ASHI has provided home inspectors with the best in education, resources and professional networking opportunities. Increase your chances of success and join ASHI today. Foundation of Real Estate Appraisers www.frea.com The Foundation of Real Estate Appraisers (FREA) was founded in 1991 to fill a gap in the market for appraiser continuing education. At the time, obtaining education was expensive and difficult. It involved earning a designation that required thousands of dollars in classes from an association, and years of subservient service to someone who was already designated. FREA began offering continuing education classes in the San Diego area and within a few months had more than 150 instructors teaching classes all over the country. In 1996 FREA created a home inspection division, offering the same benefits to home inspectors as they had been offering to appraisers, including low cost E&O insurance. Due to the large numbers of members, FREA has substantial buying power with insurance companies, helping to keep the program strong while other insurance providers have fallen by the wayside. Housing Inspection Foundation http://iami.org/hif.htm The Housing Inspection Foundation (HIF) is an organization of professionals dedicated to the promotion and development of Home Inspection. The Housing Inspection Foundation was created to provide members with Information, Education, Standards, Ethics, and Professional Recognition. The Home Inspection industry is the fastest growing profession today. This creates new opportunities for those who are involved in the real estate, construction or environmental fields that are willing to learn how to perform this vital services, including Home Inspectors, Building Inspectors, Real Estate Professionals, Construction Inspectors, Remodeling Contractors, etc. National Academy of Building Inspection Engineers www.nabie.org National Academy of Building Inspection Engineers, a chartered affinity group of the National Society of Professional Engineers. Since 1989, the National Academy of Building Inspection Engineers has worked to establish the highest standards for the building and home inspection industry and to verify the qualifications of individuals offering these services. As an organization, NABIE strives to protect the integrity of the home and building inspection industry, and thus, the general public. We review legislation, examine court cases, and monitor relevant government activities in all states. We interface with affiliated real estate associations and commissions, state engineering boards and other standard setting organizations. National Association of Certified Home Inspectors www.nachi.org The National Association of Certified Home Inspectors (NACHI) is the world's largest, most elite non-profit inspection association. Our home buying clients enjoy the HI Experience™ only NACHI Certified Inspectors can provide. Our inspectors have all successfully passed NACHI's Inspector Examination, taken a Standards of Practice Quiz, completed a Code of Ethics Course, adhere to Standards of Practice, abide by a Code of Ethics, attend required continuing education courses, and are NACHI Certified. NACHI...the very best home inspectors. National Association of Home Inspectors, Inc. www.nahi.org The National Association of Home Inspectors, Inc. (NAHI) was established in 1987 as a nonprofit association to promote and develop the home inspection industry. The mission of the National Association of Home Inspectors is to promote excellence and professionalism in the Home Inspection industry; to provide a standards of practice and a code of ethics; to educate its members; and to inform the public of the benefits and scope of a professional home inspection. NAHI now has over 1900 members in 49 U.S. states and Canada. By working together to develop and maintain standards of excellence, NAHI members benefit from professional development and the exchange of ideas through continuing education and seminars. Information and support are available for members regarding their business and inspection practices and service to their clients. NAHI's promotional activities educate the public and promote the importance of a reputable home inspection as an integral part of the residential real estate transaction. A national referral service helps consumers find facts about the industry and NAHI standards, and unites NAHI members with new clients. National Institute of Building Inspectors www.nibi.com The National Institute of Building Inspectors® (NIBI®) has provided educational and training programs for the home inspection industry and related professions since 1987. NIBI evolved from training programs developed for the HouseMaster® franchise system, and is recognized as one of the oldest and most experienced home inspection training institutes. While continuing its affiliation with HouseMaster, NIBI offers training for the entire home inspection profession and has developed an enviable reputation for raising inspection standards and increasing awareness of the need for formal home inspection training. NIBI offers conventional Classroom Courses at its dedicated Training Center and distance learning programs through its Online Campus. Both educational programs have been approved by the major home inspection associations and many states as meeting the requirements for membership, licensing, and/or continuing education. NIBI Certified Inspectors are required to not only complete educational courses and field training work, but must also participate in a yearly re-certification program. Being NIBI Certified is indeed the mark of home inspection professionalism! When home buyers are ready to make that home buying decision, they should insist on a Certified NIBI Inspector for their home inspection, and buy with confidence. Organization of Real Estate Professionals www.orep.org OREP specializes in placing errors and omissions insurance for real estate appraisers, home inspectors, real estate agents/brokers, mortgage field service professionals, mortgage brokers and others. OREP offers the lowest rates on appraiser's insurance with same day coverage & confirmation (most cases). Society of Professional Real Estate Inspectors www.sprei.org The Society of Professional Real Estate Inspectors is a national educational organization dedicated to providing the highest level of educational achievement for home/building inspectors. Anyone who is interested in improving his or her skills as an inspector is welcomed to join the Society of Professional Real Estate Inspectors. SPREI does not require past experience or background in the inspection profession. All that is required in becoming a member is a willingness to apply ones self to self-education. By simply filling out the application form and submitting the low annual fee, you will start yourself on the way to becoming an educated and informed real estate inspector. STATE SPECIFIC Arkansas Association of Real Estate Inspectors www.ark-homeinspectors.com The Arkansas Association of Real Estate Inspectors (AAREI) is an Arkansas-wide association of professional Home Inspectors. It was founded in 1992 to: Provide a forum for home inspectors to exchange experiences and to enhance the technical knowledge of its members. Promote excellence in the Home Inspection industry in Arkansas. Provide a source of information about home inspection services for the home buying public. To maintain awareness of the laws and regulations which affect the home inspection industry in Arkansas. California Real Estate Inspection Association www.creia.org The California Real Estate Inspection Association (CREIA) is a voluntary, nonprofit public-benefit organization of real estate inspectors. Founded in 1976, CREIA provides education, training and support services to its members and the real estate community. CREIA's Code of Ethics and Standards of Practice are recognized by the California Business and Professions Codes and are considered the standard of care by the real estate industry and legal profession in the state. CREIA Inspector Members have successfully passed a comprehensive written examination on the myriad of systems and components in the construction and maintenance of residential dwellings. CREIA's educational mission is to expand the technical knowledge of its members through continuing education. Inspector members must complete a minimum 30 hours of continuing education annually. Educational credits are obtained through monthly chapter educational meetings, chapter toolbox seminars, CAMP, state conferences in the spring and fall, and other CREIA approved sources. CREIA membership activities and programs encourage the sharing of experience and knowledge resulting in betterment of the real estate profession and the consumer public, which it serves. Connecticut Association of Home Inspectors www.ct-inspectors.com CAHI is the largest independent home inspector organization in the state. View our "members" directory above to find the most extensive list of licensed home inspectors in Connecticut. CAHI provides top quality monthly and special continuing educational seminars that meet the minimum requirements as set forth by the CT. Home Inspection Licensing Board. Our seminars provide inspectors with information about techniques and components from the past and present including new innovations and technologies that may be found in homes today. CAHI's mission is to educate the home inspector with valuable and pertinent information, the tools that will make them the best home inspectors in the marketplace. Florida Association of Building Inspectors, Inc. www.fabi.org Florida Association of Building Inspectors, Inc. has promoted professionalism in the industry through qualifying their members to assure the public’s confidence. Applicants to FABI must pass a written examination, have their inspection report reviewed and show proof of a required number of inspections in order to qualify for membership. They must also adhere to FABI’s Standards of Practice, Code of Ethics and earn continuing education credits by attending regular seminars/workshops to maintain their membership and keep their proficiencies current. Through its growing membership, FABI maintains an active Ethics Committee to ensure compliance of the Association’s ethical, moral and industry standards. Georgia Association of Home Inspectors www.gahi.com GAHI has promoted higher standards for professional home inspectors since its inception in 1989. Since the State of Georgia does not license home inspectors, GAHI’s membership requirements, the most stringent in the country, fill this void. The organization requires all members to be certified in the One & Two Family Code (IRC / CABO), carry the appropriate level of insurance and posses a business license. Not only does this better equip the home inspector to conduct new construction inspections, but it also sharpens skills for inspecting existing homes. Kentucky Real Estate Inspection Association, Inc. www.kreia.org The Kentucky Real Estate Inspection Association, Inc. (KREIA) was formed in 1992. Its purpose is to promote excellence within the real estate inspection industry by providing and promoting the following: Promote Customer Service through our Standards of Practice and Code of Ethics. Promote and maintain high standards of conduct for its members. Provide its members with education and training opportunities to enhance their professionalism. Provide and promote the KREIA Certification Program to and for our members. Maryland Association of Home Inspectors www.mdahi.org Our goal is to provide you with useful information about our organization that we hope makes it easier for you to do business with our members. Maryland Association of Home Inspectors has been serving the Real Estate community since 1995. We specialize providing a source of the best qualified and reputable Maryland home inspectors. At this site, you will discover what area each member provide home inspection services, and to contact them. Minnesota Society of Housing Inspectors http://mshi.org Since 1979, the Minnesota Society of Housing Inspectors has set a high Standard of Excellence within the inspection industry. Membership in this not-for-profit society of private, licensed, fee-paid home inspectors encourages continuing education and improvement of performance. MSHI is the only Minnesota organization that offers its members continuing education on a monthly basis. Nevada Association of Certified Real Estate Inspectors www.nacrei.org The Nevada Association of Certified Real Estate Inspectors is an organization formed for and by the Certified Real Estate Inspectors of Nevada. Representing the Certified Inspectors of Structures in Nevada and boasting membership of over 50% of the active inspectors in Northern Nevada, NACREI has been recognized to be a viable source of information and training for inspectors as well as a voice to the Division of Real Estate in Nevada. Working with the various entities involved in the legislative process and other areas we have been successful in maintaining our mission statement of Promoting the Professionalism, Integrity, and Qualifications of Professional Home Inspectors in the State of Nevada, as well as becoming, as State of Nevada Certified Inspectors, an important party in the transaction of Real Estate. With membership being open to all State of Nevada Certified Inspectors of Structures, NACREI invites you to join the ranks of our organization and share the success of our labors, as have the others in our membership. Associate memberships are available as well. Southern Nevada Association of Professional Property Inspectors www.snappi.org SNAPPI is a non-profit organization dedicated to providing educational opportunities for its inspector/members and working to inform and educate the public about the benefits of home inspections. We also work with our state officials to reform state law and administrative codes to reflect changing market conditions, industry trends and the needs of our clients, the home buyer. New York State Association Of Home Inspectors www.nysahi.com The New York State Association Of Home Inspectors (NYSAHI) provides this site as a tool to help New York State Home Inspectors stay current with the changing face of home inspector regulation in our state. Our industry is changing. It is evolving from a unregulated service industry to a licensed profession. As recently as ten to fifteen years ago the concept of a home inspection being part of the home buying process was a new one in many parts of the country. Now, about half the states in the union have some form of home inspector regulation. The New York State legislature passed the "Home Inspector Professional Licensing Act" in the 2004 legislative session and Governor Pataki signed it into law on August 12, 2004. This law is set to take effect December 31, 2005. Home inspectors are encouraged to use the links on this page to educate themselves about home inspector licensing in our state to help in preparing for, and prospering in, this new regulated environment. North Carolina Licensed Home Inspector Association www.nclhia.com As of October, 1996, all home inspections in North Carolina must be performed by a North Carolina-licensed home inspector. Licensure is accomplished by meeting stringent requirements set by the State of North Carolina and passing a comprehensive examination. Continuing education is required each year in order to keep this license in force. Being licensed by the North Carolina Home Inspector Licensure Board, and adherence to the North Carolina Standards of Practice and Code of Ethics are the only legal requirements for performing a home inspection in North Carolina. The North Carolina Licensed Home Inspector Association (NCLHIA) was formed in 1997 to provide a professional organization for all home inspectors licensed in North Carolina. Pennsylvania Home Inspectors Coalition http://phic.info The Pennsylvania Home Inspectors Coalition (PHIC) represents the two nationally recognized inspection organizations that have offered verifiable proof of compliance with ACT 114, so that the Coalition can act as the eyes and ears of the Home Inspection profession within this State. Because of the new Home Inspection Law, which went into effect 12/20/01, ASHI® and NAHI™ Chapter Presidents and Vice Presidents came together to form a coalition to reflect each Chapter membership’s point of view. In turn, this can be communicated to the Coalition so that the Coalition will act as the one voice for the home inspection profession in Pennsylvania Texas Association of Real Estate Inspectors www.tarei.com The Texas Association of Real Estate Inspectors (TAREI) is a statewide professional organization formed in 1977 with a current membership of over 750 inspectors and related professionals. TAREI promotes a professional code of ethics for its members, reviews and upgrades minimum standards, provides recommendations to the Texas Real Estate Commission, and conducts statewide continuing education programs for all inspectors. Wisconsin Association of Home Inspectors www.wahigroup.com In 1994, home inspectors throughout Wisconsin began meeting monthly to improve skills and to discuss with other inspectors what they had learned during the conduct of home inspections. In early 1995, we established our name as the Wisconsin Association of Home Inspectors, Incorporated (WAHI). Our goal is to improve the competency of home inspectors through training and professional interaction. Our monthly education programs focus on home inspections as well as industry concerns. Currently, we have over 350 members and many of them are members of the American Society of Home Inspectors (ASHI) and the National Association of Home Inspectors (NAHI). Our members include engineers, builders, electricians, building tradesmen, journeymen, basement specialists, etc. Each of them is involved with the home inspection industry in one way or another. Back to Main Menu State License for Home Inspectors (N/A = state does not current require licensure) Alabama Building Commission www.bc.state.al.us/HI%20Menu.htm Alaska Department of Commerce www.dced.state.ak.us/occ/home.htm Arizona State Board of Technical Registration www.btr.state.az.us/AZ%20Ashi%20Standards.htm Arkansas Home Inspector Registration Board www.sosweb.state.ar.us/ar_rules/rule_final/198.00.03-003F.pdf California N/A - www.commerce.ca.gov/state/ttca/ttca_business_display.jsp?path=Permits+&+Licenses&childPath=License+Handbook Colorado N/A - www.colorado.gov/colorado/permits.html Connecticut Dept of Consumer Protection www.dcp.state.ct.us/licensing/professions.htm Delaware N/A - http://dpr.delaware.gov/default.shtml Florida N/A - www.stateofflorida.com/Portal/DesktopDefault.aspx?tabid=25 Georgia N/A - www.sos.state.ga.us/plb/ Hawaii N/A - www.hawaii.gov/dcca/areas/pvl/ Idaho N/A - www.state.id.us/business/licensing.html Illinois Division of Banks & Real Estate www.obre.state.il.us/realest/homeinspect.htm Indiana Professional Licensing Agency www.in.gov/pla/bandc/home/ Iowa N/A - www.state.ia.us/government/com/prof/home.html Kansas N/A - www.accesskansas.org/operating/operating-resources/index.html Kentucky N/A - http://hbc.ppr.ky.gov/generalinformation.htm Louisiana State Board of Home Inspectors www.lsbhi.info/LSBHIweb.nsf/Home?OpenForm Maine N/A - www.maine.gov/portal/business/professions.html Maryland Division of Occupational & Professional Licensing www.dllr.state.md.us/license/real_est_app/reareq.htm Massachusetts Division of Professional Licensure www.mass.gov/dpl/boards/hi/index.htm Michigan N/A - www.michigan.gov/statelicensesearch/0,1607,7-180-24786_24814-81259--,00.html Minnesota N/A - www.state.mn.us/cgi-bin/portal/mn/jsp/ Mississippi Home Inspector Board www.mrec.state.ms.us/default.asp?siteid=3 Missouri N/A - www.state.mo.us/mo/business.htm Montana N/A - http://discoveringmontana.com/dli/bsd/bc/index.asp Nebraska N/A - www.nebraska.gov/business/html/342/index.phtml Nevada Real Estate Division www.red.state.nv.us/insp_licreq.htm New Hampshire N/A - www.nhes.state.nh.us/elmi/licertreg.htm New Jersey License & Certification Guide www.state.nj.us/commerce/CEG_LCI/html/licguid.html New Mexico N/A - www.rld.state.nm.us/Division%20&%20Proffessions.htm New York State Division of Licensing Services www.dos.state.ny.us/lcns/licensing.html North Carolina Home Inspector Licensure Board www.nchilb.com/OSFM/Engineering/HILB/NCHILB.asp North Dakota N/A - www.ext.nodak.edu/extpubs/agecon/market/ec752-4w.htm Ohio N/A - http://ohio.gov/ Oklahoma Department of Health www.health.state.ok.us/program/ol/info.html#home Oregon Construction Contractors Board http://egov.oregon.gov/CCB/home_inspectors.shtml Pennsylvania Home Inspection Coalition http://phic.info/ Rhode Island Contractors Registration Board www.crb.state.ri.us/docs/hilawsfinal.pdf South Carolina Department of Labor, Licensing & Regulation www.llr.state.sc.us/POL/ResidentialBuilders/ South Dakota Real Estate Commission www.state.sd.us/sdrec/home_inspect/homeinspections.htm Tennessee N/A - www.state.tn.us/commerce/boards/contractors/hinspcontractor.html Texas Real Estate Commission www.trec.state.tx.us/inspector/default.asp Utah N/A - www.dopl.utah.gov/directory.html Vermont N/A - www.vermont.gov/doing_business/profession.html Virginia Department of Business Assistance www.dba.state.va.us/frameset.asp?URL=http%3A%2F%2Fwww%2Edpor%2Evirginia%2Egov Washington N/A - www.dol.wa.gov/main/biglist.htm West Virginia N/A - www.business4wv.com/Public/content/DynamicContent.asp?pagename=licensesearch&Type=Regulatory Wisconsin License, Permit & Registration Service www.wisconsin.gov/state/app/ Wyoming N/A - http://plboards.state.wy.us/ For a more detailed summary, check out these two great resources: American Society of Home Inspectors www.ashi.org/inspectors/state.asp HE-School of Home Inspection www.hometraining.com/certif.htm Home Inspection Institute of America www.inspecthomes.com/regulate.htm Back to Main Menu Continuing Education for Home Inspectors Certified Inspection Training, Inc. www.certifiedinspectiontraining.com/continuing_education.html Classes are held in many areas of the country twice each year. Please check the "Calendar" page for dates and locations. Classes are held on the West Coast in most instances. These classes are approved for Continuing Education credits by many states including the State of Oregon. The Certification Classes are approved for up to 10 education points to sit for the Oregon Certification Tests. Plus you also get 3 "Ride-Along" points. Please check with your state to determine existing requirements. HE - School of Building Inspection www.hometraining.com/continuingEducation.htm Quality Continuing Education Hours MRC's (ASHI), CEU's (NAHI), or State Continuing Education Hours A Better School of Building Inspection offers high-quality material to help you earn your continuing education requirements. With our material you get your hours and get something out of them too!!! By purchasing our 4-Point Residential Inspection Home Study Package, you help reduce the cost of obtaining continuing education hours and get them done when it fits your schedule better. Home Inspection Institute of America, Inc. www.inspecthomes.org/cont_education.htm Continuing education courses on topics of concern and interest to home inspectors are offered at the Institute at various points throughout the year. Schedules will be posted on this site. The courses are submitted to various membership organizations and state licensing boards for appropriate recognition. Attendees receive a Certificate of Attendance at the end of each course, detailing the credit earned. Infinity Schools Continuing Education www.infinityschools.com/HomeInspection.asp Our complete line of training products includes textbook based training modules, resource manuals, and cutting edge CD-ROM And Video Training products, all developed in cooperation with educators, instructional designers, and technical artists, along with extensive research and contributions from home inspectors across North America, specifically to be the premiere education and training program for home inspectors. InspectAmerica Engineering, P.C. www.inspectamerica.com/Home_Inspector_Training/ InspectAmerica Engineering, P.C. offers a home inspector training program for persons interested in entering the home inspection business, as well as for home inspectors who are interested in improving their home inspection service skills and receiving feedback on their home inspection techniques. Home inspector training is also available for persons with a casual or related interest, such as real estate agents, appraisers, mortgage lenders, real estate attorneys, etc., who are interested in learning more about the home inspection business. Our home inspector program can help make you more knowledgeable and proficient in your own business. Our program is also available to home owners who want to know more about the ins and outs of their home. Inspection Support Services www.inspectsupport.com/courses.htm Inspection Support Services offers the following courses along with other home inspection training courses and and a number seminars including Defect Recognition and Report Writing for both residential and light commercial properties. For further information contact us with your training needs - we will be glad to help you! Inspection Training Associates www.home-inspect.com/courses/cehomestudy.asp Need Continuing Education credits, or just need to study up on a specific area in home inspection? Now you can take individual 8 hour home study courses on the inspection topic(s) of your choice! Each correspondence course includes an on-line final exam*, which you are required to pass with a 70% or better grade to receive CE credit. [Also includes other specialty inspection courses on this site.] National Institute of Building Inspectors www.nibi.com The National Institute of Building Inspectors® (NIBI®) has provided educational and training programs for the home inspection industry and related professions since 1987. NIBI evolved from training programs developed for the HouseMaster® franchise system, and is recognized as one of the oldest and most experienced home inspection training institutes. While continuing its affiliation with HouseMaster, NIBI offers training for the entire home inspection profession and has developed an enviable reputation for raising inspection standards and increasing awareness of the need for formal home inspection training. Professional Inspection Training Institute www.homeinspectiontraining.net/docs/conted.asp The Professional Inspection Training Institute offers the following 2 day, 1-day and 1/2 day continuing education courses in the inspection field: EIFS & Stucco Inspections, Electrical Inspections, Foundation & Structural Defects, Mold, Mildew & Moisture Intrusion, Radon Testing & Protocols, Sales & Marketing Seminar, Heat Pump Inspections, Carbon Monoxide & Improper Venting Back to Main Menu Small Business Aids All Business - Champions of Small Business www.allbusiness.com American Home Inspectors Training Institute Start-Up Packages www.ahit.com/products/packages/startup_pkgs.htm Better Business Bureau www.bbb.org Business.gov www.business.gov Business Owners' Idea Cafe www.businessownersideacafe.com Entrepreneur.com Solutions for Growing Businesses www.entrepreneur.com IRS Small Business/Self-Employed www.creditreport.org/get-the-most-out-of-the-irs/ More Business.com www.morebusiness.com National Association of Certified Home Inspectors - Business Success Tips www.nachi.org/success_tips.htm SCORE Counselors to America's Small Business www.score.org Small Business Administration www.sba.gov FRANCHISES AmeriSpec www.amerispecfranchise.com If you're looking to start your own home inspection franchise, you've come to the right place! AmeriSpec offers the best home inspection franchise opportunities available in North America. With over 350 independently owned and operated businesses that conduct over 150,000 inspections annually, AmeriSpec's 17 years of experience provide us with the know-how to offer the best training, support, and tools to get your franchise off the ground fast. A Pro Home Inspection www.a-pro.net/business.html With an annual potential of over 6 million transactions (translated into an estimated $1.8 billion in home inspection fees) the home inspection business is booming. In fact, Money Magazine has rated our industry as one of the "Top Ten Highest Income Home Businesses, and Entrepreneur Magazine calls home inspection "one of the best opportunities…" And now, you can turn that boom into a successful career! Joining the A-Pro® Home Inspection team can literally change your life. You’ll enjoy greater independence, as well as the personal and financial rewards of owning and operating your own home inspection business. National Property Inspections, Inc. www.npiweb.com/subpages/buildYourFuture.html Looking for the blueprints to build a successful home inspection business? Then National Property Inspections is the right opportunity for you. Go ahead--compare us to the competition. In fact, we want you to. Because we're confident that when you measure our franchise business package, including start-up costs, tools, home inspection training, and support, you'll agree that NPI is the right home inspection franchise to help you build your future. Pillar to Post www.pillartopost.com/franchise/index.cfm if you are looking for a business opportunity with an industry leader in a growing field, Pillar To Post® is the answer. You do not have to be an engineer or building contractor to succeed. What you really need is an ability and willingness to work with people. The most successful home inspectors are those who are able to develop strong trust with the real estate professionals who will refer clients to them, as well as with home buyers and sellers. That's why we focus on technical skills and marketing in our initial two-week training program and in our ongoing training and upgrading efforts. World Inspection Network www.winfranchise.com Join World Inspection Network (WIN) as we build a World-Class Brand in the billion-dollar home inspection industry. When you become a home inspector as a WIN franchise owner, the freedom, flexibility and financial rewards of running your own business can be yours. The home inspection industry continues to demonstrate strong growth and has already proven to be an integral part of the real estate transaction process. Over the past decade there has been a steady increase in the overall volume of home sales and the percentage of homes inspected, confirming that the home inspection business is a high demand service in a solid industry. As a WIN home inspector, you will share information with home buyers and sellers by giving them the knowledge and confidence they need to make an informed decision on one of life's biggest investments.

Understanding Homeowners Insurance

Many of us obtain our homeowners insurance when we purchase our home.

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Many of us obtain our homeowners insurance when we purchase our home. After this initial purchase, we do not give this insurance another thought. It is not until the roof is damaged during a violent thunderstorm, a major appliance fails and floods our basement, or the neighbor's kid slips and fractures their wrist in our living room that we dust off the policy and ask ourselves, "Am I covered for this?" Don't wait until damage or an accident happens to discover what your insurance policy covers. Instead, you should have a good idea of what you are covered for and what is not included. Every year you should assess if your coverage should increase or if there is any optional coverage you may want to add. The purpose of this article is to point out some general characteristics of homeowners insurance and help in determining if you have the right coverage. Obviously this cannot substitute for a consultation with your insurance provider, but it will give you a better idea of what questions to ask. Image of home, crutches and turning road sign.

There are five popular topics concerning homeowners insurance that we will discuss below: types of damage covered, determining replacement cost, determining personal property value, understanding liability coverage, and ways to save money on your policy.

Homeowner insurance policies typically cover damages such as: fire and smoke damage, storm damage (i.e. lightening, wind, hail, ice and snow), water damage (other than flooding as this is separate), explosion, vandalism, theft (some companies are now offering an identity theft coverage option as well), civil unrest, and damage by aircraft and vehicles. You should discuss with your insurance provider any additional hazards you may face in your location such as earthquakes or floods. There may also be hazards you are not immediately aware of that could effect your insurance cost such as your neighborhood crime rate or if you own a Flood damage is not covered by homeowner insurance. The National Flood Insurance Program is a partnership between FEMA and isnurance companies that offers coverage. Click here for more.pet that is considered to be a high liability risk (i.e. certain breeds of dogs). Depending on the probability of need, you may be required to get additional coverage for these hazards by your insurance carrier and/or mortgage lender. To find out about special hazards in your area, talk with your insurance provider or contact your state insurance commissioner. If you run a home business, you will need to get separate insurance to cover business items such as computers and liability, i.e. if you run a daycare, your standard homeowners will not cover any accidents. Other items that are not covered by your homeowners insurance but may be covered by additional or alternate policies are: tenants, multiple family dwellings, land, theft by those covered in your insurance policy (i.e. recently separated spouses), and cars. Take a look at your policy and review your coverage. Consider how you use your home or where your home is located. Do you need additional or special coverage? This is a question you should review every year.

When choosing a policy, it is important that you consider the replacement cost of your home. The replacement cost is the amount it would take to replace your home. Replacement cost is not the same as the market value of your home as the market value includes the property it stands on and the current housing market. Because of this, it may not be equal to your outstanding mortgage. You can get estimates for replacement cost from appraisers, your local builder/craftsmen association or your insurance agent. Once you have determined how much your home replacement cost should be, you should review it and make any needed adjustments every Condos usually have a Master Policy that covers liability and property for common grounds. Individual policies then supplement personal property, liability and immediate structure.year. Most insurance companies will include an increase of coverage every year to match inflation. However, other items may also require you to adjust your replacement cost. Major remodels to your kitchen or bathroom or room additions can drastically effect the replacement cost of your home. If you use special materials or there is a housing boom making building materials scarce in your area, these too may affect your replacement cost. Another item that may effect your replacement cost is the change in building codes since when the house was built. Even with partial damage, it may be necessary to take the whole area/structure down to bring it up to code. If you own an older home, you should definitely discuss this with your agent. You may also get an extended replacement policy that will help you if your replacement coverage is below what you need. However, it is more economical if you take the time to review your policy and change your replacement cost coverage each year. Finally, keep in mind your policy should also include coverage for living expenses while the home is rebuilt or repaired. With the structure insured for major repairs, you can now consider your possessions.

Determining the personal property value depends on how much time the homeowner wants to invest in itemizing their property. Traditionally, most homeowners are covered at 50% of their home's value to cover personal property. Some pay a bit extra and get 75% of the homes value. Replacement costs like this cover like items, not necessarily the same make and model. You can also make an itemized actual cash value list that will cover items' actual cost minus depreciation. Many opt for percentage replacement coverage and then add a "floater" that will cover individual inventoried items. Major items should be inventoried with make, model, original cost, and documentation by picture or video. Items like jewelry and antiques should also have an appraisal. The documentation of these items should be kept in a secure location like a safe deposit box or a fireproof safe. Even if you opt for the general 50% coverage, you should have a list of your most valued possessions in case theft as this may help in tracking the items down (see more in our Home Security article).

Liability coverage protects you, your family, house guests and pets if they should accidentally hurt someone on your property or hurt someone or damage property elsewhere. On average, liability insurance usually covers up to $100,000 per incident. However, with lawyer and medical costs high these days, many homeowners also add an umbrella which allows for greater coverage at reasonable rates. Although most think of medical coverage as part of their liability coverage, it is actually categorized separate from liability because it pays for minor injuries that do not need to prove fault or negligence to be covered. An example would be someone twisting their ankle at your home. Liability is an important coverage that you will want to discuss with your agent.

Finally, there are a few things you may do to ease the cost of homeowners insurance. One way to lower your overall insurance cost is if you know you can take a higher deductible. If you can pay $500-1000 instead of $300 for each instance, this will lower your premium. Some decide to do this as the probability is that they will not claim or use the insurance very often. In addition to this, you may also pay your premium in larger and fewer payments. Another method to lower costs is to itemize your insurance to only the hazards you think most probable to happen. However, this option may not be available if you still owe a mortgage as the mortgage company may want more inclusive coverage. Also, you may check and see if there are any improvements you make to the home that may reduce your premium. Installing a home security system for example. Finally, combining policies with one carrier will also help you get lower premiums. If you combine your home, auto and life insurance policies, many companies will give you a preferred rate. Talk with your agent for further ways you may able to save money but maintain sound coverage on your home.

Conclusion
     There are a lot of options for your homeowner's insurance policy.  When setting up a policy, shop around and talk to different insurance companies to find one that works well with you.  Find out if they have a good reputation with the state insurance commissioner and consumer reports.  Find one that is fast, offers great service and handles claims fairly (you don't want to end up with a company that argues every claim).  Hopefully this overview has helped equip you with a better idea of the coverage you may need for your home.  You should have a better idea what to look for in a policy when you contact an agent to set up your homeowner's insurance.

More Resources

Household Checklist

There are a number of checklists available online; many are available from individual insurance providers. We found the following booklet from the University of Illinois to be the most comprehensive. www.ag.uiuc.edu/%7Evista/abstracts/ahouseinv.html

Household Papers/Records:
Taken from our earlier article about Home Security, here again is a checklist of important papers you should safeguard and how long you should keep them:
- Keep in Safe Deposit Box/Fireproof Safe: Birth certificates, marriage certificates, divorce legal papers, adoption papers, citizenship records, and other documents that are government or court related. A copy of a will, although your attorney will keep the original. Investment and business papers, government bonds, deeds, titles and copyrights to name a few more. General rule is, "Put it in if you can't replace it or if it would be costly or troublesome to replace."
- Taxes: IRS can audit up to 6 years back. However, you can get rid of pay stubs if you have your W2. Cancelled checks you will want to keep if they are related to anything you claimed on your tax return.
- Medical Bills: Keep at least 3 years.
- Household Inventory: You should have a comprehensive list for each room and what of importance is in there. This will help you claim losses in event of burglary or fire. The details of this list should be shared with your insurance carrier to make sure of coverage. It is recommended that you review this list once every 6 months.
- Deposit, ATM, Credit Card and Debit Card Receipts: Save them until the transaction appears on your statement and you've verified that the information is accurate. Then they may be shredded.
- Credit Card Statements: If there are not purchases related to taxes you may shred them once every year. However, if you have larger purchases on the card you may want to keep hold of these older statements. Special Note: Credit Card Agreements should be kept as long as the card is active!
- Loan Agreements: Keep as long as the loan is active.
- Documentation of Stocks, Bonds nd Other Investments: Keep while you own the investment and then 7 years after that.

Useful Links

National Association of Insurance Commissioners
www.naic.org FEMA: Homeowners and Renters www.fema.gov/individual/home.shtm

Bathroom Remodeling Homecheck

Your bathroom is where you prep to start your day and where you wind down at the end of the day.

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Your bathroom is where you prep to start your day and where you wind down at the end of the day. From a nice hot shower to an at home spa, the bathroom is an important room in every home and to our daily lives. However, it can be the room most overlooked when it comes to decoration and/or remodeling. It shouldn't be. According to Contractors.com, remodeling your bathroom can yield an 80-90% return in the value of your home. Adding a new bathroom can also easily give you a 90% return in the value of your home. Improving this room can, therefore, be a savvy investment in your property. But it can be more than just a wise investment. Updating your bathroom can make this at home retreat more inviting and invigorating. Take the time to make a bright, friendly room to jump start your busy work day, and a calm, peaceful room to help you wind down in your own do-it-yourself spa retreat. Below, we provide some hints and tips for your bathroom makeover. Whether just changing a few decorations or completing a major remodel, we hope you will find something beneficial for your bathroom remodeling project.

Part I: Decoration Makeover & Small Remodel - This decoration makeover includes simple, do-it-yourself solutions for a quick update. Many of these changes could be done in one to two days. Some of these remodel items may take longer.

Make a Plan - The fist step to any decoration makeover or remodel is to set out a plan for the project.

  • Determine your budget and time. Both will help determine what you can do. You may need to consider doing the project in stages or altering your original ideas. Planning ahead will help make certain you do not end up with an unusable bathroom for weeks or even months!
  • Consider what the bathroom is lacking such as do you have enough functional space, storage space, lighting, etc.
  • Does the room have any items that need updating? This can anything from the toilet to the outdated wallpaper on the walls.
  • What do you envision for the space? Do you want a Zen retreat or a homey B&B feel to the room. Consider what you want the completed room to look like. Do you have anything in there that fits this idea now? Or will it be better to start from scratch?
  • How much experience do you have with remodeling. Are you limited to painting the walls and changing hardware? If some of your ideas seem over your head, you may want to consider hiring a contractor, plumber or electrician. For more information about a major remodel projects, see below.
  • Finally, if you want a change but are drawing a blank with ideas, consider hiring an interior designer. Some people are hesitant about hiring an interior designer because they think they have to use them all the way through. But indeed you can work with them to make a project plan and project manage the remodel yourself. Or you can also hire them to follow the entire project from start to finish.

Cabinets and Storage - You may want to replace or add to your existing bathroom cabinets.

  • Changing a mirror to a medicine cabinet can help add space above your sink.
  • Adding cabinets can help you store essentials for the bathroom from towels to extra soaps and supplies. There are many styles of cabinets available.
  • You can get stand alone cabinets or wall cabinets that fit above a sink or toilet that provide quite a bit of extra space. You can also consider changing your sink cabinet. A new design can offer an updated look and add more storage space to your bathroom. **You may wan to consider hiring a contractor for this type of work!

Walls - Is the paint or old wallpaper making the room too dark, out of date, or showing damage or spots from mildew?

  • Determine your new color scheme or theme for the room before painting or wallpaper goes up.
  • Give a fresh coat of paint on the walls! Wash the walls down first and check for mildew. Any light mildew will need sanding and bleaching. Then clean the entire surface to be painted with TSP solution. Although a bit shiner, you may want to consider a satin or even semi-gloss paint as these will make your walls easier to clean and more resistant to constant cleaning. Just keep in mind, the more glossy paint will show imperfections in the wall itself.
  • If you decide to wallpaper a bathroom, keep in mind the moisture content of the room. Also consider how often you may be cleaning certain walls near a sink or bathtub.
  • Consider combining a new coat of paint with a wallpapered trim!

Lighting - Again, how bright is the space? Is it too dark or too bright and harsh?

  • Replacing the light fixtures can help you add more soft light in your bathroom. Try to avoid glaring harsh lights as these can be very unappealing.
  • Consider two light switch options for the room: one to soft light for general use and the other to brighter light for applying makeup, etc.
  • Consider adding a solar tube or skylight for more natural lighting in the room. **You may want to consider hiring a contractor for this type of work!

Windows - If your bathroom has a window, consider if there are any updates needed to the window when coming up with your redesign plan.

  • If an older window, you might consider replacing the window with a newer one. Or you may want to add additional windows or change the style to bring in more natural light. **You may want to consider hiring a contractor for this type of work!
  • Does the window give enough privacy? You may want to consider updating blinds, curtains or frosting the window to provide more privacy to your bathroom.

Fan - If you have any problems with mildew or don't already have a fan, you may want to consider adding one to the room.

  • Many fans now include overhead lights and can add a more welcoming feature to the room than the loud eye-sores of past models.

Shower Curtain or Door - You can brighten your bathroom by changing your shower curtain or door.

  • Replacing an older shower curtain is a cheap way to help update the decor of your bathroom.
  • Installing a bath/shower door can help lighten the space of the room. This can also help make cleaning easier and cut down on mildew or damp spots if this has been a problem. Many times shower curtains will let condensed water sit or runoff the corners of your tub or shower. A well sealed bath/shower door can help.

Hardware - Changing out your old hardware can be one of the easiest updates to the bathroom.

  • Add a new towel rack or completely change the set to start a new color scheme with a brushed nickel, bronze etc.
  • You can add a spa feel to your bathroom by adding little upgrades like heated towel racks!

Faucet - Updating your sink faucets can help give the bathroom a facelift.

  • Sink faucets can be relatively easy to change out. If uncertain, take a class at a hardware store or hire a professional.
  • Changing the faucets in your bathtub can be a littler trickier. However, again a class or professional can help with this change.
  • If you have a showerhead, this can also be changed out to complete your new look and perhaps add a more spa like feel to the room.

Sink & Countertop - You may want to replace or refinish your sink.

  • If you are already replacing your sink cabinet you may replace the sink at the same time if you get an all-inclusive unit.
  • Consider adding another sink if you have the space. Many new vanities include a two sink option.
  • You may also consider changing the countertop if the sink itself is fine. There are many styles of laminate to choose from or you may change the template completely with a new cabinet.

Mirrors - A mirror is an essential item to every bathroom.

  • Consider updating your mirror if crackled or out of style.
  • How do you use your mirror? You may want to consider mirrors that hinge out to provide angles or depth when needed or one that offers different strengths of magnification.
  • Mirrors can also be decorative items! Mirrored sconces or tiles on the wall can help to give a dark corner light or a narrow space depth.

Refinishing & Liners - Refinishing or lining your tub can be a great way to make it look new once again.

  • You can refinish your own tub, but you will need a respirator, spray gun, sander, chemical cleaners and will need to also purchase an acrylic top coat. The actual refinishing product can be purchased as a kit. Keep in mind that there will be a 30-60 minute wait between about three coats of acrylic and a 24 hour set time. Needless to say, this will be a time consuming project that will take patience, clear ventilation, patience, time, and patience. **You may want to consider hiring a contractor for this type of work!
  • Another option is inserting a bathtub or shower liner. This is a task you can do by yourself with some careful planning and a few extra helping hands. There are also many dealers offering liners and installation for reasonable rates. **You may want to consider hiring a contractor for this type of work!

Tiling - Does your tiling need replacing? If you have the time and skill, this can be a great update to any bathroom.

  • Again, consider your timeline, budget and skill before taking on a task of this magnitude. Consider a deep clean. Giving your tile a good clean can help breathe new life into them. Some also find it beneficial to selectively replace specific tiles and re-grout lines rather than replacing the whole wall.
  • Consider this option if you are on a tight budget.
  • Make arrangements to be without your bathtub for a while if you plan to retile this area. Although the tiles and grout may set at specific times, you may need longer to work it out if taking it on as a do-it-yourself project.
  • If tiling/retiling a floor, consider how you are going to move the toilet and sink/sink cabinet or if you are going to tile around them.
  • Be patient with any tiling project, take it slow as this is something that should last a long time.

Vinyl Flooring - If tile flooring is not for you, you may want to consider replacing your existing vinyl flooring with an updated vinyl.

  • As with tile flooring, consider your timeline, budget and skill before taking on this task.
  • Consider how you are going to move the toilet, and sink/sink cabinet or if you are going to tile around them.
  • Again, consider taking a class at a local hardware store or hiring a professional if uncomfortable with this kind of work.

Part II: Major Remodel - This makeover includes major structural changes and updates. You may be more likely to need professional help. Also, this type of remodel may include obtaining specific building permits from your city or county.

Make a Plan - The fist step to any major remodel is to create a plan for the project.

  • Determine your budget and time. Planning ahead will prevent unforeseen expenses and help you obtain better estimates from professionals you may need to hire for the project.
  • You may need to get a building permit for some of your changes, especially if you are making major structural changes to the room.
  • Consider what the bathroom is lacking such as do you have enough functional space, storage space, lighting, etc.
  • Does the room have any items that need updating? This can anything from the plumbing to the sink fixtures. What do you envision for the space? Do you want a Zen retreat or a homey B&B feel to the room. Consider what you want the completed room to look like. Do you have anything in there that fits this idea now? Or will it be better to start from scratch?
  • How much experience do you have with remodeling. Are there some aspects of this remodel that you are confident you can complete on your own? Perhaps you don't want to install the sink but have no problem putting in the tile backsplash. Mixing contracted work with do-it-yourself work can be a great way to save money if you have the time.
  • You may want to consult with an interior designer for a major remodel project. They could bring up considerations for the space you may not have thought about.
  • What kind of professional help will you need? Will you need a general contractor, electrician or plumber? Often times even a general contractor may hire out certain tasks (i.e. electrical work) under their supervision. If you know what tasks will need to be done then you will have a better idea of who will need to be hired on to help.

Hire a Contractor - With a major remodel you will very likely need professional help.

  • Interview several contractors and get estimates from each. Ask questions and be bold enough to ask why estimate are different - i.e. if they are using different materials, this is good to know in advance!
  • Many contractors will help obtain the necessary permits for your project. Check and see if any you are interviewing will help with this process. Avoid any contractors who say this or that permit, "isn't really needed."
  • Check to see if the contractor will be sub-contracting certain aspects of your project such as plumbing, electrical, tiling, etc.
  • Find out what they expect from you in getting sub-contractors access to work site, etc. For even more information, please see our article How to Hire a Contractor: Working as a Team on Your Next Home Project.

Permits - Many overhaul projects that effect the structure of your home will need permits from the city or county.

  • If you are removing or adding any walls this may be affected by local or state building codes.
  • You may not be aware of all the aspects in your project that may need a permit. Check with your contractor or if you are doing it alone, check with your local government for guidance.

Cabinets and Storage - You may want to replace or add to your existing bathroom cabinets.

  • Adding cabinets can help you store essentials for the bathroom from towels to extra soaps and supplies. With a major remodel you may have the opportunity to include built-in wall cabinets/closets in your new bathroom. Otherwise, there are many styles of cabinets available. You can get stand alone cabinets or wall cabinets that fit above a sink or toilet that provide quite a bit of extra space.
  • You can also consider changing your sink cabinet. A new design can offer a updated look and add more storage space to your bathroom.

Walls - Do you have room to expand your space?

  • Taking down a wall to add space can do wonders for a small bathroom.
  • Think outside the box. Replace a dividing wall with glass blocks to allow more light throughout the bathroom. Insert small alcoves within the walls to add little retreats for mirrors, candles and other decorative items to make the space more inviting. Some redesigns are using tiles on the walls as a protective "wainscoting" design. Other designs include half walls to offer definition of space without enclosing it. The possibilities can be endless.

Lighting - How bright is the space? Is it too dark or too harsh?

  • Replacing the light fixtures can help you add more soft light in your bathroom. Try to avoid glaring harsh lights as these can be very unappealing.
  • Consider getting an electrician to add light switches. Add one for soft, every day light and another for brighter, utilitarian light for applying makeup, etc.
  • With the help of an electrician you can add recessed lighting, track lighting, or other design lighting updates.

Windows - If your bathroom has a window, consider if there are any updates needed to the window when planning your redesign.

  • If an older window, you might consider replacing the window with a newer one. You can add a special feature like stained or frosted glass. Or consider built in blinds for a combo of extra privacy and easy cleaning. You may also consider making the window larger or adding an additional window to the room.
  • Consider adding a solar tube or skylight for more natural lighting in the room.

Fan - If you have any problems with mildew or don't already have a fan, you may want to consider adding one in the room.

  • Many fans now include overhead lights and can add a more welcoming feature to the room than the loud eye-sores of past models.
  • Consider working with an electrician to get a more powerful fan with more options and better ability to clear moisture from the room.

Shower Door - You can brighten your bathroom by changing to a shower door.

  • Installing a bath/shower door can help lighten the space of the room. This can also help make cleaning easier and cut down on mildew or damp spots if this has been a problem. Many times shower curtains will let condensed water sit or runoff the corners of your tub or shower. A well sealed bath/shower door can help.
  • Another alternative to a shower door is using glass blocks or a tiled wall to separate the shower from the larger room. This adds a decorative feature and more light for the room overall.

Faucet - Updating your faucets can help give the bathroom a facelift.

  • Sink faucets can be relatively easy to change out.
  • Changing the faucets in your bathtub and the showerhead can help complete a new look for you bathroom.
  • If remodeling an older home, a major remodel may be a good time to consider reviewing the pipes and improving water pressure and usage. There are many water saving devices available now that can still offer a good amount of water pressure.

Sink & Countertop - You may want to replace or refinish your sink.

  • If you are already replacing your sink cabinet you may replace the sink at the same time if you get an all-inclusive unit.
  • Consider adding another sink if you have the space. Many new vanities include a two sink option.
  • You may also consider changing the countertop if the sink itself is fine. There are many styles of laminate to choose from or you may change the template completely with a new cabinet.

Refinishing & Liners - Refinishing or lining your tub can be a great way to make it look new once again.

  • Refinishing your tub is an alternative to replacing or lining it. This process will need at least a 24 hour set time. This should be considered if working with more than one professional as work will have to be suspended as the acrylic is applied and sets.
  • Another option is inserting a bathtub or shower liner. Many companies offer the liner and installation for a reasonable cost.

Tiling - Finish your spa retreat with professional tiling.

A major remodel is a great time to get the bathtub, shower, floor and even walls all done at once.

If you want to keep the old tiling, consider this a time to get damaged tiles replaced and grout redone.

New Big Items - A major remodel may also include getting a new bathtub, toilet, sink or custom made shower.

  • If you are doing a different style design you may want to consider changing some or all of your big items.
  • If you are updating an older home, this would be a great time to get a more efficient toilet or better fixtures to aid with water pressure.
  • This is your own spa, maybe it is time to replace that old bathtub with a jetted one!
  • A custom built shower can offer a neat new design and multiple shower spray option for a more spa-like experience.

Final Thoughts

Whether you are considering a small or large remodel, the short list above makes it obvious the possibilities are endless. In both cases, make certain to plan ahead and really consider how you want your new bathroom to function and feel. Have fun, get carried away, and then look at what you can turn into a reality. Get help from the professionals whether it be an interior designer or a general contractor. Or get in your hours at your local home improvement store's classes and put your patience and creativity to the test. Either way, the best part of a bathroom remodel is that once it is done, you can reap your rewards by enjoying your mini spa retreat everyday!

Cracks in the sidewalk

Our home inspector said that parts of our sidewalk are a potential trip hazard.

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Q. Our home inspector said that parts of our sidewalk are a potential trip hazard. We think that he is being too picky and splitting hairs. What do think about cracks in sidewalks?

A. Simple cracks in a concrete sidewalk are not necessarily a problem unless they become large enough to catch the heel or toe of a shoe or the tip of a cane. Cracks normally indicate movement in the sidewalk, and are fairly normal. Most sidewalks that are more than 20 years old will have some cracks. On the other hand, upheavals in sections of the sidewalk can be a liability. Concrete sidewalks typically will have expansion joints at regular intervals. These individual sections of concrete can rise or fall as much as three inches in some extreme cases. The most common reason for upheaval is tree roots. The opposite problem is caused by subsidence where the ground beneath the slab sinks. An upheaval of more than one inch can become a dangerous trip hazard, and a liability to you as the home owner. This type of trip hazard is particularly dangerous at night. In my practice, I always explain this to the client, and encourage them to make repairs.