Big events and holidays can often mean big spending. A little pre-planning can help to ease and avoid financial pain. To the left are some worksheets that may be used when planning holiday or big event spending. In the meantime, here are some other tips for not overspending:

Set a Limit - Before any spending spree begins, make sure you know your limit. Set your cap a bit below as last minute expenses may arise. Did you account for mailing the gift? Gift wrap? The unexpected can creep on you before you know it! Also, take a look at how much you have spent in the past. Was it too much? What expenses surprised you? Asking questions like these will help you plan for the holidays and events to come.

Make a Gift List - Instead of hoping for something to catch your eye, keep a list of gift ideas. This way you will know what you are looking for and be able to better preplan the budget. This will also prevent buyers remorse - sometimes that gift that seemed like a great idea when you were in the store may not be so great when you sit down to gift wrap it.

Pay Cash - Credit cards are easy to use but not all of us are good at paying them off as soon as the bill comes. Taking cash helps you stick to your budget. Another alternative is the prepaid credit cards that you load with a limited amount in advance. Many also find these pre-paid credit cards a nice alternative to use for online purchases for extra credit protection.

Shop Early or Late - Depending on how far in advance you like, plan to shop either in advance of the holiday season or post-holiday season with the next year in mind. This will allow you to stick to a budget and not get caught up in last minute buys. It will also relieve a lot of the stress that comes with shopping during the busiest shopping days of the year!

Allow Time for Shipped Gifts - Plan ahead if you are shipping gifts to friends and relatives far away. Waiting until the last minute will mean more expensive postage to get gifts to the door on time.

Take Time to 'Comparison Shop' - Some of us get our list together and then just want to get it over and done with. Be patient, compare store prices and options before you go out to buy. This will help stretch that budget further.

Be Creative - Have fun with your gift ideas. Consider homemade or crafted gifts; however, don't forget the time involved making these items! Or make your own gift baskets - know a lot of chocolate lovers? Instead of buying a pre-made gift set - make your own basket of local chocolates or goodies.

A little groundhog has told us to expect another six weeks of winter! Already a tough season, many of us experienced firsthand or saw news coverage of winter storms bringing cities and counties to a virtual standstill. Whether you live in a winter weather state or are just visiting, snow and other winter weather can drastically effect your ability to get around and keep to your plans. Learning some basic driving safety measures and coping tips can help alleviate some of the aggravation. Also, although varying by state, understanding winter related laws or ways laws are interpreted to include winter conditions is vital to enjoying a safe winter. Below is some safety information we hope you find useful and keeps you safe and warm this winter.

Winter Driving Safety & Tips

Winter Inspection: Prepare you car ahead of time for winter road conditions. Check the levels of antifreeze, oil and wiper fluid. Examine your windshield wipers for wear and replace them if necessary.

Got Wheels? Review your tire tread. If you get snow tires or studs, get your appointment scheduled before the tire stores are inundated. If you are in a state where you may use chains or cables, inspect these when you pull them out of storage. Take time to review how to put them on before the snow comes.

Journey Prep: Before driving out into a winter wonderland, make sure you are prepared. Clear you car of any snow and ice so you can see clearly - this includes any snow around your headlights and break lights. How much gas is in the tank? If you are getting low, plan your route to make this your first stop. Stop and consider your physical condition, are you awake and alert?

WEK: Don't be weak - have an Winter Emergency Kit! Some items to include in your kit are:

• First Aid Kit T
• Travel Tool Kit
• Blanket(s)
• Gloves, Hat, Scarf, Sweatshirt, etc.
• Jumper Cables
• Flashlight and Spare Batteries
• Road Flares
• Matches
• Sand and/or Salt
• Ice Scraper and Snow Brush
• Small Shovel
• Water
• Energy Bars or Other High Calorie Foods (Nonperishable)
• Cell Phone and Charger

Dress for Success: As we hop from one heated building to the next, we don't often consider how we are dressed for the winter weather. Adjust your wardrobe for unexpected winter weather. If you insist on traveling in the car in flip flops because the are comfy, make sure you pack thick socks and hiking boots in the back seat in case your car does break down. Dress in layers and have spare gloves, a hat, and a scarf in the car.

Know before you go! Check for road condition updates and possible closures. Before driving in winter weather make certain to check the local forecast. Some of the key weather words are:

S-L-O-W: Everything slows down: accelerate slower, brake slowly, turn slowly, and travel at slower speeds. Enter the time warp willingly and keep your patience and wits about you. Trying to rush through anything during poor winter weather is the number one reason people slide off roads or skid into other cars.

Personal Bubble: Allow those around you plenty of space. Do not crowd other cars and increase the car lengths between you and the next car.

It's Ice Ice Baby! If there is ice rain the best option is not to be on the road period. But there are other patches of ice and black ice that may pop up when you consider the roads drivable again. Keep in mind that ice forms quickest on bridges and overpasses. Also, as the temperatures begin to rise the thawing ice will be much slicker as it melts. If you see the ice ahead of time keep your speed slow. DO NOT hit the breaks! If you suddenly can't hear the road, often the case if you hit black ice, continue forward and take your foot off the accelerator. DO NOT hit the breaks!

Look Up! Many times the winter weather makes us concentrate on the road in front of us so much that we forget to look ahead. During this weather is exactly when you should be looking up and ahead; look farther then you may normally. This will give you more time to react to possible sliding cars or hazards in front of you.

Keep it on Main Street: Plan your routes on main roads. These will be traveled more and are the first to be cleared and sanded.

Share the Road: Give plows and sanders plenty of space. Three car lengths is the standard suggestion. Be patient, many will get over to let traffic pass. Always pass with extreme caution and never pass them on the right as that is where all the sludge is going!

Double Your Time: As a general rule, double your travel time for all your commutes and usual destinations.

Tell Your Peeps: Let others know of your travel plans - especially for long distances or during a weather event. Let either family or friends know where your are going and the route you expect to take.

No Cruising: As you shouldn't in heavy rain, do not use cruise control on winter roads. If you begin to slide you may not be able to get out of cruise control quickly. Also, depending on the slide/skid, tapping the break may be the last thing you should do!

Find Your Pack: Have a commute group for severe weather. You can alternate drivers as you battle the extra stress and fatigue of driving in bad weather. Encourage it in your community and this can help keep more cars off the road.

Think Outside Your Car: Consider other modes of transportation altogether. If available, consider the bus or train. Get really inventive - do you like to cross country ski? Just stay on the sidewalk!

Flex Time: Check to see if you employer will let you change your hours or work from home. Wait until the plows have had a chance to move through the neighborhood and go in late. Or plug in the computer and work in your PJs and fuzzy slippers.

The Great Melt: Still be cautious after the snow begins to melt away. Puddles can easily be hiding monster potholes that grew under the ice during the storm. Not only jarring these can do some real damage to your car. Besides potholes, be careful of hydroplaning as well. As the water melts it may be caught between mounds of slush leaving the perfect amount of water to send your tires for a little ride.

If the Worst Happens: "If a blizzard traps you in your car, pull off the road, set hazard lights to flashing, and hang a distress flag from the radio aerial or window. Remain in your vehicle; rescuers are most likely to find you there. Conserve fuel, but run the engine and heater about ten minutes each hour to keep warm, cracking a downwind window slightly to prevent carbon monoxide poisoning. Exercise to maintain body heat but don't overexert. Huddle with other passengers and use your coat for a blanket. In extreme cold use road maps, seat covers, floor mats, newspapers or extra clothing for covering--anything to provide additional insulation and warmth. Turn on the inside dome light so rescue teams can see you at night, but be careful not to run the battery down. In remote areas, spread a large cloth over the snow to attract the attention of rescue planes. Do not set out on foot unless you see a building close by where you know you can take shelter. Once the blizzard is over, you may need to leave the car and proceed on foot. Follow the road if possible. If you need to walk across open country, use distant points as landmarks to help maintain your sense of direction." (Tips provided by FEMA)

Legal Concerns

The Car Snowball: When your car is covered with snow it makes for safer driving if you clear all the snow off - but are you required to legally? Technically, in most states, there is not a "snow on the car" law. Instead, other laws may be interpreted to include snow. Be safe and get your car uncovered completely so you can clearly see around you and don't inadvertently cause hazards.

• In many states you can be cited if your windshield, rear window and windows are obstructed so you cannot see the road. This is often interpreted to include snow, ice and fog that disrupt the drivers view.
• How about the snow on your roof or hood that you left there? In many states you will not be cited for this alone, however, if this snow flies off and damages another car (i.e. smacks into and cracks the windshield of the car behind you) then you are liable for any damages. Some states are clever and cite snow falling from your car as littering! 
• While you are at it, make sure to clear any snow from your headlights and break lights. This not only helps you light your path, but no doing so may be a citation waiting to happen in some states.

Snow tires, studs, and chains, oh my!

NOW TIRES: Standard in many snowy states usually there are not penalties for having these tires on past a certain date. Check with your local tire stores as they will often store your summer tires during the winter season and vice versa. STUDDED TIRES: States that allow these tires for winter travel often have a set timeline when they may be used (i.e. In Alaska they may be on by September 15th and are due off by May 1st - most states in the lower 48 will have a shorter time allotment). This information can be found at your state Department of Transportation website (see list to the right) CHAINS: Especially if traveling in mountainous states, learn if chains are often required, make sure you have them and learn how to put them on before you go. Some flat states also allow chains under certain conditions. Check with your state Department of Transportation for specific requirements or limitations. The following YouTube video illustrates how to put on cable style chains. It is sponsored by the Oregon Department of Transportation (http://www.youtube.com/watch?v=_8RVbDuyOcY):

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

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

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

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

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

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

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

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

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

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

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

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

During the Flood

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

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

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

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

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

After the Flood

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

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

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

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

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

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

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

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

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

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

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

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

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

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

After the Flood: Business Recovery – Working with SBA

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

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

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

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

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

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

More Information

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

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

Additional pointers from Homecheck:

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

Some Ways to Help Our Neighbors

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

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

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

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

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

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

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

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

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

Sources for this article which include even more detailed information:

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

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

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

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

Historical landmarks throughout the country provide all citizens with a physical, present experience of our history. Through these landmarks you can not only observe but in many cases feel the original work and walk the spaces of the past. Historical homes help us remember important persons as we can view intimately how they lived; we get to see the most sacred of spaces, their internal sanctum, their home. Where did they read at night for inspiration, where did they write that novel, where did they meet the important guests and characters in their lives? All of these things we can glimpse through seeing history preserved in rock and mortar. Historical homes also allow us to visualize and experience architecture, culture, events and community history. They help tell the story of how our town and communities came to be and developed. This brief article will summarize how one protects a historical home. This will include how to register the home with the state and federal government. Also, we will look at incentives and resources aiding the owners in the task of preserving these properties. Additional links to state resources, historical homes for sale, historical home supplies and construction and spotlights of a few famous historical homes are also included. Even if you do not own a historical home, we welcome you to take a look into how these bits of our history are protected, preserved and continue to participate in and educate our communities.

Part I: Listing a Property as Historical

The National Historic Preservation Act of 1966 (amended in 1992) provides guidelines for federal, state and local governments to work with non-profit organizations and the public to preserve our historical places. The preservation is handled through the National Park Service which administers the National Register for Historic Places. Historical places can be buildings, structures, sites and objects that speak for American history, architecture/engineering, and culture. This can be as varied as a historic home to an archaeological site. A few places that are considered to represent the nation on a whole may also be registered in the National Historic Landmarks program; however, this membership is harder to obtain (there are only 2,500 of these sites nationally). Our concentration will be on the large listing (79,000 sites and growing) of the National Register. 
So how does one determine if a site is historical? The National Register lists the following reasons for registering and protecting historical property:

The quality of significance in American history, architecture, archeology, engineering, and culture is present in districts, sites, buildings, structures, and objects that possess integrity of location, design, setting, materials, workmanship, feeling, and association, and:
A. That are associated with events that have made a significant contribution to the broad patterns of our history; or
B. That are associated with the lives of persons significant in our past; or
C. That embody the distinctive characteristics of a type, period, or method of construction, or that represent the work of a master, or that possess high artistic values, or that represent a significant and distinguishable entity whose components may lack individual distinction; or
D. That have yielded or may be likely to yield, information important in prehistory or history.

These four basic guidelines can encompass quite a bit of history. However, there are some limitations as well. Properties must be over 50 years old; to get a younger property registered an owner must prove "exceptional importance" such as might be recognized immediately for its reflection of an extraordinary political event or architectural innovation. Other limitations may include cemeteries, historical figures birthplaces and gravestones, religious structures, moved or reconstructed structures and commemorative structures. As with the 50 year rule there are exceptions for these limitations. In conclusion, if an individual or group feel a property meets the right criteria and should be registered they will need to nominate the property for review.

Any person or group may nominate properties for the National Register. Nominations, depending on the properties significance and location, are nominated through theState Historical Preservation Officer (SHPO), the Federal Preservation Officer (FPO)or the Tribal Preservation Officer (TPO). In most instances nominators will start with the SHPO for their state. The officer will then recommend the nominated property be reviewed by the state review board which consists of historians, architects, archaeologists and other professionals. The board then makes the recommendation to approve or disapprove the registration back to the SHPO. During the time the property is being reviewed, the public is notified the property may be registered. This may include the property owner, who may not have nominated the property themselves. If the owner at that time does not wish the property to be registered they can reject the proposal. The property will not appear on the national register, however, the nomination may be forwarded to the National Park Service only as a determination of eligibility in case a future owner would wish to have the property registered. Although the process varies from state to state, there is usually a minimum of 90 days to process. Once a recommendation is made to the National Park Service, the nominators will know the decision within 45 days. Once a property is registered the owner may expect some changes.

Owners of registered historical places may find both benefits and restrictions from state and federal programs. Surprisingly, on the federal level, once a home is registered owners may choose to change very little about their property:

Under Federal law, owners of private property listed in the National Register are free to maintain, manage, or dispose of their property as they choose provided that there is no Federal involvement. Owners have no obligation to open their properties to the public, to restore them or even to maintain them, if they choose not to do so.

However, state and local preservation laws may be more restrictive of what property owners may do once a the property is registered (the SHPO will have further details about the restrictions in your state). Some properties will obtain Federal historic preservation grant funding or investment tax credits for rehabilitation. Participation in these Federal programs may include more restrictions. As for changes to a structure or site, drastic alterations or physically moving a property when not absolutely necessary may effect the property's status. If, for example, the remodeling of the structure is enough to destroy and remove its historical significance, the property may be removed from the registry. Finally, a property may be affected by recommendation of the Advisory Council on Historical Preservation's recommendations at the federal level. However, inclusively, federal, state and local governments want to work with historical property owners to entice them to preserve our history. Property owners should contact the SHPO for more specific answers about local and federal benefits and restrictions.

Registering a home on the National Register for Historical Places is a relatively straight forward process. Contacting SHPO (or FPO or TPO) is the first step in reviewing what changes to expect and what forms need to be completed. With a little patience and research a home can be registered and protected as a part of our history. Now that it is registered, let us examine what resources are available for the renovation and upkeep of these places.

Part II: Resources for Historical Properties

The restoration of historical homes can be both overwhelming and expensive. Obtaining expert advise from contractors, architects, and historians (to name a few) can be invaluable to the homeowner. Research may be necessary to understand how the home looked, was furnished and functioned in the past. Also, it may be necessary to update older systems of plumbing, wiring, and replace lead-based paint (again, to name only a few). To begin the renovation process the home owner will first consider where the funding will come from, what projects need to be done, and finally, what the ultimate function of the historical home will be. There are many grants and sources of funds to help ease the impact of these improvement costs.

The funds available to owners of historical properties vary both nationally and locally. Nationally the most common is the Federal Historic Preservation Tax Incentive which entitles those qualified a 20% tax break. However, to obtain the credit the property does have to be used commercially for at least 5 years; usually as a rental or an apartment, in some cases use as an office may be sufficient. Local grants, loans and state tax incentives are not always available. To find what locally based programs there are contact your local government agencies such as the Historic Development Commission, Department of Planning and Economic Development, Housing and Redevelopment, and State Historic Preservation Office. When they are available the funds may come with certain restrictions or requirements. For example, some funds are only available to non-profit organizations or a grant may be offered that requires owners to share property with the public through tours or other educational outreach programs. Finally, involving family and community in the restoration project can help tremendously. Receiving help from the community may again mean opening up your home to educational programs or tours. However, when owning a historical home, sharing the history is part of the fun! So you have some money in your pocket; now you must decide what you want to restore first.

There may be many renovations needed for your historical home ranging from wiring to lead-paint removal. So overwhelming are the renovations at times that there is the tendency to over renovate homes. The National Trust for Historic Preservation has this top ten of Do's and Don'ts:

• Make every effort to use the building for its original purpose.
• Do not destroy distinctive original features.
• Recognize all buildings as products of their own time.
• Recognize and respect changes that have taken place over time.
• Treat sensitively distinctive stylistic features or examples of skilled craft work.
• Repair rather than replace worn architectural features when possible. When replacement is necessary, new material should match the old in design, composition, and color.
• Clean facades using the gentlest methods possible. Avoid sandblasting and other damaging methods.
• Protect and preserve affected archeological resources.
• Compatible contemporary alterations are acceptable if they do not destroy significant historical or architectural fabric. Build new additions so they can be removed without impairing the underlying structure.

Once you have clarified the tasks that need to be done, hiring a contractor, plumber, architect or electrician (to name a few) will be an important step in the renovation of your historical home. Make sure to take time to interview and speak with several professionals to find one with the most experience and knowledge about historical homes. Again, the National Trust for Historic Preservation has compiled good short summaries about choosing professionals. When making any renovations to the historic home it is important to keep in mind the purpose of the house. The functions of a historical home can be varried. For some home owners they simply want to renovate and enjoy the historical building as their home. When making improvements, owners will be more concerned about updating creature comforts and creating an esthetic environment for their family. On the other hand, some will choose to live in the historic home but also dedicate rooms or floors as public museums. When making renovations for these homes a balance should be kept between updating the living space that will be used while keeping museum spaces closer to the feel and accuracy of the time they represent. Brand new faucets upstairs in the family bath are great but a stainless steel countertop in a 19th century room may look a bit out of place. Finally, others will live in the historic house but also rent out rooms for guests and small conferences. Historic homes can make an ideal bed and breakfast. This may create additional renovation challenges such as access ability and practical updates for the comfort of guests (i.e. adding and updating a bathroom or two). However, owners will want to keep in mind the historic atmosphere of the home. Visitors are drawn to historical B&Bs because of the sense of walking into the past. Keeping antiques relevant to the time or using period correct wall treatments (i.e. wallpaper patterns) are just a few ways to help keep the historic feel of the home. If creating a bed and breakfast out of a historical home is the goal, then reading about the B&B business will be helpful. Whatever the function of the historical home, the project should remain fun and rewarding.

The restoration of a historic homes can be expensive and daunting. However, it is also very rewarding, a wonderful chance for connecting to the past and community (and can be a great home too!). Whether your historic building will be a home, museum, B&B or all the above, having a game plan before starting renovations is a great idea. Make sure the plan protects the hisotry of the home so that the character and craftsmenship of the home is not lost in the renovation. Enlisting professionals and the community will help. In the end it really can be very rewarding!

Conclusion

A lot can be said for the structures a society builds. When looking at buildings from the past one can get a sense of style, comfort and culture from previous generations. A family and/or a community may learn more about where they came from. To preserve historical homes, individuals or communities need to take the time to submit the home to the National Register for Historical Places. Once this is done the home may still be used for varying purposes from a living space to a museum. In some cases funding is available to help in the daunting task of renovation. In the end historical homes are a tough investment that with a bit of research can turn in to a rewarding home and much more.

Resources by State 
Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | District of Columbia Florida | Georgia | Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Maine | Maryland Massachusetts | Michigan | Minnesota | Mississippi | Missouri | Montana | Nebraska | Nevada | New Hampshire New Jersey | New Mexico | New York | North Carolina | North Dakota | Ohio | Oklahoma | Oregon Pennsylvania | Rhode Island | South Carolina | South Dakota | Tennessee | Texas | Utah | Vermont | Virginia Washington | West Virginia | Wisconsin | Wyoming

Alabama

State Historic Preservation Officer: Elizabeth Brown AL Historical Commission 468 South Perry Street Montgomery, Alabama 36130-0900 (334) 242-3184 Alabama Register Coordinator: Dorothy Walker - dwalker@preserveala.org National Register Coordinator: Christy Anderson - canderson@preserveala.org www.preserveala.org

Alaska

State Historic Preservation Officer: Judith E. Bittner - judyb@dnr.state.ak.us Department of Natural Resources Division of Parks and Outdoor Recreation 550 W 7th Avenue, Suite 1310 Anchorage, Alaska 99501-3565 (907) 269-8721 www.dnr.state.ak.us/parks/oha/index.htm

Arizona

State Historic Preservation Officer: James W. Garrison - jgarrison@pr.state.az.us Office of Historic Preservation Arizona State Parks 1300 W. Washington Phoenix, Arizona 85007 (602) 542-4174 National Register Coordinator: Kathryn Leonard www.pr.state.az.us/partnerships/shpo/shpo.html

Arkansas

State Historic Preservation Officer: Cathie Matthews - cathiem@arkansasheritage.org Department of Arkansas Heritage 323 Center Street, Suite 1500 Little Rock, Arkansas 72201 (501) 324-9162 National Register Coordinator: Ralph Wilcox - ralph@arkansasheritage.org www.arkansaspreservation.org

California

State Historic Preservation Officer: Milford Wayne Donaldson - mwdonaldson@parks.ca.gov Office of Historic Preservation Department of Parks and Recreation P.O. Box 942896 Sacramento, California 94296-0001 (916) 653-9125 http://ohp.parks.ca.gov/

Colorado

tate Historic Preservation Officer: Georgianna Contiguglia Colorado History Museum 1300 Broadway Denver, Colorado 80203-2137 (303) 866-3395 Information: oahp@chs.state.co.us www.coloradohistory-oahp.org

Connecticut

State Historic Preservation Officer: John W. Shannahan Connecticut Historical Commission 59 South Prospect Street Hartford, Connecticut 06106 (860) 566-3005 Information: cthist@neca.com www.cultureandtourism.org (This website is being revised; check out the CT Trust for more information at www.cttrust.org)

Delaware

State Historic Preservation Officer: Timothy A. Slavin Division of Historical and Cultural Affairs 21 The Green, Suite B Dover, Delaware 19901 (302) 739-5313 www.state.de.us/shpo/default.shtml

District of Columbia

State Historic Preservation Officer: Lisa Burcham DC Office of Planning, Historic Pres. Division 801 North Capitol Street, N.E. 3rd Floor Washington, D.C. 20002 (202) 442-8850 http://planning.dc.gov/

Florida

Actg. State Historic Preservation Officer: Frederick Gaske - fgaske@mail.dos.state.fl.us Division of Historical Resources R.A. Gray Building 500 S. Bronough Street Tallahassee, Florida 32399-0250 (850) 245-6300 www.flheritage.com

Georgia

tate Historic Preservation Officer: Ray Luce - ray_luce@dnr.state.ga.us Department of Natural Resources 156 Trinity Avenue, SW Suite 101 Atlanta, Georgia 30303-3600 (404) 651-5061 http://hpd.dnr.state.ga.us/

Hawaii

State Historic Preservation Officer: Peter T. Young Department of Land and Natural Resources 601 Kamokila Boulevard Room 555 Kapolei, Hawaii 96707 808-587-0401 www.hawaii.gov/dlnr

Idaho

State Historic Preservation Officer: Steve Guerber - steve.guerber@ishs.idaho.gov State Historic Preservation Office 210 Main Street Boise, Idaho 83702-7264 (208) 334-3890 www.idahohistory.net

Illinois

State Historic Preservation Officer: William L. Wheeler - Ted_Lild@ilpa.state.il.us Illinois Historic Preservation Agency Preservation Services Division One Old State Capitol Plaza Springfield, Illinois 62701-1512 (217) 785-9045 www.state.il.us/HPA/

Indiana

State Historic Preservation Officer: Jon Charles Smith- jsmith@dnr.in.gov Department of Natural Resources 402 W. Washington Street, Rm W274 Indianapolis, Indiana 46204 (317) 232-4020 Information: dhpa@dnr.state.in.us www.state.in.us/dnr/historic/

Iowa

Actg. State Historic Preservation Officer: Anita Walker - anita.walker@dca.state.ia.us State Historical Society of Iowa 600 East Locust Street Des Moines, Iowa 50319-0290 (515) 281-8741 www.iowahistory.org

Kansas

State Historic Preservation Officer: Jennie Chinn - jchinn@kshs.org Kansas State Historical Society Cultural Resources Division 6425 Southwest 6th Avenue Topeka, Kansas 66615-1099 (785) 272-8681 Information: histsoc@acc.wuacc.edu www.kshs.org

Kentucky

State Historic Preservation Officer: David Morgan - davidl.morgan@ky.gov Kentucky Heritage Council 300 Washington Street Frankfort, Kentucky 40601 (502) 564-7005 www.state.ky.us/agencies/khc/khchome.htm

Louisiana

Division of Historic Preservation Office of Cultural Development P.O. Box 44247 Baton Rouge, LA 70804 (225) 342-8160 National Register Coordinator: Donna Fricker National Register Section (1st time inquiries): Patricia Duncan www.louisianahp.org

Maine

Director: Earle G. Shettleworth, Jr. - Earle.Shettleworth@Maine.gov 55 Capitol Street, State House Station 65 Augusta, Maine 04333-0065 (207) 287-2132 / Fax (207) 287-2335 www.state.me.us/mhpc/

Maryland

State Historic Preservation Officer: J. Rodney Little - RLittle@mdp.state.md.us Division of Historical and Cultural Programs 100 Community Place Crownsville, Maryland 21032-2023 (410) 514-7600 or 1-800-756-0119 www.marylandhistoricaltrust.net

Massachusetts

Secretary of the Commonwealth Massachusetts Historical Commission 220 Morrissey Boulevard Boston, MA 02125-3314 (617) 727-8470 www.sec.state.ma.us/mhc/mhcidx.htm

Michigan

State Historic Preservation Officer: Brian D. Conway - conwaybd@michigan.gov State Historic Preservation Office P.O. Box 30740 702 West Kalamazoo St. Lansing, Michigan 48909-8240 (517) 373-1630 www.michigan.gov/hal/

Minnesota

Department Head and Deputy State Historic Preservation Officer: Britta L. Bloomberg - britta.bloomberg@mnhs.org Historic Preservation, Field Services and Grants Department Minnesota Historical Society 345 W. Kellogg Blvd. St. Paul, MN 55102-1906 (651) 296-5434 www.mnhs.org/shpo/

Mississippi

Mississippi Department of Archives and History 200 North Street Jackson, MS 39201 (601) 576-6850 Historic Preservation Division: msshpo@mdah.state.ms.us www.mdah.state.ms.us/index.html

Missouri

Deputy State Historic Preservation Officer: Mark Miles - mark.miles@dnr.mo.gov Department of Natural Resources P. O. Box 176 Jefferson City, MO 65102 (573) 751-7858 www.dnr.state.mo.us/shpo/index.html

Montana

State Historic Preservation Officer: Mark Baumler, Ph. D. - mbaumler@mt.gov The Montana Historical Society 225 N. Roberts P.O. Box 201201 Helena, MT 59620-120 (406) 444-7715 www.his.state.mt.us

Nebraska

State Historic Preservation Officer: Lawrence J. Sommer

Nebraska

State Historical Society 1500 R Street P.O. Box 82554 Lincoln, Nebraska 68501 (402) 471-4746 Information: nshs@nebraskahistory.org www.nebraskahistory.org/histpres/

Nevada

tate Historic Preservation Officer: Ronald M. James - rmjames@clan.lib.nv.us Department of Cultural Affairs 100 North Stewart Street Carson City, Nevada 89701-4285 (775) 684-3440 http://dmla.clan.lib.nv.us/docs/shpo/

New Hampshire

State Historic Preservation Officer: James M. McConaha - James.Mcconaha@dcr.nh.gov Division of Historical Resources P.O. Box 2043 Concord, New Hampshire 03302-2043 (603) 271-6435 www.nh.gov/nhdhr/

New Jersey

State Historic Preservation Officer NJ Department Parks & Forestry P.O. Box 304 Trenton, New Jersey 08625-0404 (609) 292-2885 www.state.nj.us/dep/hpo/

New Mexico

State Historic Preservation Officer: Katherine Slick - katherine.slick@state.nm.us Office of Cultural Affairs Villa Rivera Building, 3rd Floor 228 E. Palace Avenue Santa Fe, New Mexico 87503 (505) 827-6320 www.nmhistoricpreservation.org

New York

State Historic Preservation Officer Office of Parks, Recreation and Historic Pres. Empire State Plaza Agency Building 1, 20th Floor Albany, New York 12238 (518) 474-0443 http://nysparks.state.ny.us/shpo/

North Carolina

State Historic Preservation Officer: Jeffrey J. Crow - jeff.crow@ncmail.net Department of Cultural Resources Division of Archives and History 4617 Mail Service Center Raleigh, North Carolina 27699-4617 (919) 733-7305 www.hpo.dcr.state.nc.us

North Dakota

State Historic Preservation Officer: Fern E. Swenson State Historical Society of North Dakota ND Heritage Center 612 East Boulevard Avenue Bismarck, North Dakota 58505-0830 (701) 328-2666 www.state.nd.us/hist/

Ohio

State Historic Preservation Officer: Rachel Tooker - rtooker@ohiohistory.org Ohio Historic Preservation Office Ohio Historical Society 567 E. Hudson Street Columbus, Ohio 43211-1030 (614) 298-2000 www.ohiohistory.org/resource/histpres/

Oklahoma

State Historic Preservation Officer: Melvena Heisch - mheisch@ok-history.mus.ok.us Oklahoma Historical Society Wiley Post Historical Building 2100 N. Lincoln Boulevard Oklahoma City, Oklahoma 73105 (405) 521-2491 www.ok-history.mus.ok.us

Oregon

Deputy State Historic Preservation Officer: Roger Roper Heritage Programs Division Oregon Parks and Recreation Department 725 Summer Street, Suite C Salem, Oregon 97301 (503) 986-0677 http://www.oregonheritage.org

Pennsylvania

State Historic Preservation Officer: Barbara Franco Bureau for Historic Preservation Commonwealth Keystone Building, 2nd floor 400 North Street Harrisburg, Pennsylvania 17120-0093 (717) 787-2891 www.phmc.state.pa.us

Rhode Island

State Historic Preservation Officer: Edward Sanderson - esanderson@preservation.ri.gov Hist. Preservation and Heritage Commission Old State House 150 Benefit Street Providence, Rhode Island 02903 (401) 222-2678 www.preservation.ri.gov

South Carolina

State Historic Preservation Officer: Mary W. Edmonds - edmonds@scdah.state.sc.us Department of Archives and History 8301 Parklane Road Columbia, South Carolina 29223-4905 (803) 896-6168 www.state.sc.us/scdah/histrcpl.htm

South Dakota

State Historic Preservation Officer: Jay D. Vogt - jay.vogt@.state.sd.us South Dakota State Historical Society 900 Governors Drive Pierre, South Dakota 57501-2217 (605) 773-3458 www.sdhistory.org

Tennessee

State Historic Preservation Officer: Herbert Harper - Herbert.Harper@state.tn.us Department of Environment and Conservation 2941 Lebanon Road Nashville, Tennessee 37243-0442 (615) 532-0109 www.tennessee.gov/environment/hist/

Texas

State Historic Preservation Officer: Lawerence Oaks - l.oaks@thc.state.tx.us Texas Historical Commission P.O. Box 12276 Capitol Station Austin, Texas 78711-2276 (512) 463-6100 www.thc.state.tx.us

Utah

State Historic Preservation Officer: Wilson G. Martin - wmartin@utah.gov Utah State Historical Society 300 Rio Grande Salt Lake City, Utah 84101 (801) 533-3500 http://history.utah.gov

Vermont

State Historic Preservation Officer: Jane Lendway - jane.lendway@state.vt.us Agency of Commerce & Community Dev. VT Division for Hist. Preservation National Life Bldg., Drawer 20 Montpelier, Vermont 05620-0501 (802) 828-3056 www.historicvermont.org

Virginia

State Historic Preservation Officer: Ann Andrus - ann.andrus@dhr.virginia.gov Department of Historic Resources 2801 Kensington Avenue Richmond, Virginia 23221 (804) 367-2323 www.dhr.virginia.gov

Washington

State Historic Preservation Officer: Allyson Brooks - Allyson.Brooks@dahp.wa.gov Office of Archeology & Historic Preservation 1063 S Capitol Way Suite 106 P.O. Box 48343 Olympia, Washington 98504-8343 360-585-3066 www.oahp.wa.gov

West Virginia

State Historic Preservation Officer: Susan Pierce - susan.pierce@wvculture.org Division of Culture and History 1900 Kanawha Boulevard E. Capitol Complex Charleston, West Virginia 25305 (304) 558-0220 www.wvculture.org/shpo/shpoindex.aspx

Wisconsin

State Historic Preservation Officer: Michael E Stevens Wisconsin State Historical Society 816 State Street Madison, Wisconsin 53706-1482 (608) 264-6500 www.wisconsinhistory.org

Wyoming

State Historic Preservation Officer: Sara Needles - sneedl@state.wy.us Wyoming State Historic Preservation Office Dept. of State Parks & Cultural Resources 2301 Central Avenue, 3rd floor Cheyenne, Wyoming 82002 (307) 777-7697 http://wyoshpo.state.wy.us/

You have a great idea of what you want to do but you just don't have the skills to implement it. Whether remodeling the kitchen, a spare room or adding on, some projects are better handled by professional contractors. However, make sure you do not get into an agreement with a contractor on impulse. Instead, picking a contractor should be a selective process that is well researched and prepared. This is not only a financial investment; this person (and their team) will be in your home and working with you on a project that may take days or, more likely, weeks to finish. A sound partnership is important. Below are some suggestions for planning out your partnership with a contractor. Also included are a checklist guide and contract example forms from our partner Lawchek®. All are helpful suggestions and tools before hiring any contractor.

Part I: Overview

The following points may help you in the process of hiring and working with a professional contractor.

Plan out your project.

Whether a full kitchen remodel or a new back patio, make sure to plan out your project in advance. You should know what materials you would like to use and what the end project will look like. If you are uncertain about various options, then consult an interior designer, landscape architect or architect. They can help take the ideas you have imagined and tell you how they can logically work. They can also help you create detailed plans of the project and a list of materials for its completion. Many times they will continue to work with you as the project is being completed as well. Having this type of plan in place before hiring a contractor is essential to ensure clear communication. If you start a project unsure of the final outcome you may cause delays and extra expense if you keep changing your mind. To have a large project planned in advance will help you to remain focused.

Determine the kind of contractor you need.

Will a general contractor be able to complete the whole project or will you need cabinet installer, plumber, electrician, etc.? Preplanning your project should help you answer some of these questions. You can be ready to interview contractors knowing that they either need experience in or will need to sub-contract certain aspects of your job. If they cannot do part of the project, will they expect you to hire a specialist (i.e. electrician) or do they have a partnership with one already established? Consider if they have previous experience with your type of project. Ask if they familiar with the architecture and age-specific concerns of your type of home. How have they met the challenges in the past?

Research any permits that may be necessary. With a plan from your architect or landscape architect in place you will now have an idea of how much you will be changing your home. You may ask these professionals as you work out your plan if the project will need building permits. You may also ask this to your contractor as well. However, keep in mind that although some contractors will handle the building permit process themselves as part of their contract, others may leave it up to the home owner. Some argue that only the contractor should handle building permits as this ensures they follow all codes. If you get the permit and the contractor does not follow the codes you may have a harder time seeking corrections by the contractor afterwards. As a first step, it will be very helpful to know whether you need a permit before even contacting a contractor. This is also key to avoiding any fraud. If you already know that your project requires a building permit but your contractor tells you not to worry about it, you have clear warning that this contractor may not follow local and state building codes, get someone else!

Consider the professionalism of your contractor.

This is the first basic step when looking at different contractors. Check and see how long they have been in business, if they are easy to talk to and if they are able to meet with your timetable expectations. Determine if all of their contact information is current. Also, look for a contractor that is easy to reach; if you are playing phone tag to obtain a quote it is a pretty good indication of what it will be like trying to contact them once your project is started! Find out if they are a member of any trade associations and stay current in their training. As an extra precaution, you may also want to research with the county if they have been named in any past law suits. Contact the Better Business Bureau, Attorney Generals Office, and local consumer protection agency to check on any past complaints.

Verify insurance and licence information.

Insurance: Always make sure the contractor is properly insured. You should receive a certificate of insurance from the insurance agency listing you as the co-insured. It should be original and not a photocopy. The types of insurance you are looking for: General/Personal Liability which will protect your property; Workman's Compensation which will cover the contractor(s) if they are injured while working on your property; and Automobile which will protect you against any claims if they damage another vehicle/object while on your property. All these will protect you from having your homeowner's insurance responsible for any mishaps or accidents that may happen. License: Not all contractors need a license in every state. Also, the cost of a project can sometimes determine if a contractor needs a license or not. In most states the more expensive the project, the more likely they need a license. A good online reference to find out about license requirements in your state may be found at Contractor's License Reference Site. If your state does require a license, make sure it is current.

Ask for references and call them! 

Ask potential contractors for references. Do not do any further business with contractors that refuse to supply references. The references should span both recent and older projects that are all similar to yours. If you are getting a kitchen remodel it doesn't make a lot of sense to talk to someone who had a new deck built. Once you have the contact information, do the most important step - call them! You may even see if they are willing to let you see the project first hand with the contractor or if they have photographs of its progress; your contractor may also have photographs available. Below are some sample questions to ask references:

• Are you pleased with the project result? When talking to references for older projects ask them how the craftsmanship has handled everyday wear and tear.
• Did the contractor stay on or close to schedule?
• Did the contractor stay on budget?
• Did the contractor follow the written contract? In hindsight, is there anything you would add to the contract?
• Was the contractor easy to talk to or reach when you had questions or concerns? Did the contractor stay on site to supervise his/her team?
• Did you get along with the contractor's team? The sub-contractors they used?
• Where you happy with how the contractor and his/her team treated your home and property? Any messes, etc.?
• If there were any corrections, was the contractor willing to make changes or did you have to place a formal request or hire someone else?
• Would you use this contractor again and/or recommend him to someone else?

Review estimates for differences and find out why.

Once you have three or more estimates begin to look at the differences. Why are some contractors lower or higher than others? Ask them to explain their estimate. For example, is an estimate lower because of different materials used and does this translate to difference in quality? Does one contractor have a larger team or expect to hire more sub-contractors? Is a contractor "saving you money" by cutting corners on safety, local regulations, etc.?

Create the contract.

Finally, the written contract you create with your contractor is extremely important. So much so that we have listed factors that should be considered for the contract in a separate section below. To review that section now, click here.

Part II: Checklist

The partnership with your contractor can be very rewarding experience if you make sure to plan ahead. With the items mentioned above in mind, we have compiled an easy to use checklist that will help you when reviewing various contractors for your job. We have listed the items below but you may also print out a PDF checklist by clicking here.

Hiring a Contractor Checklist:

• Where did I find the contractor? (Phonebook, Online, Friend/Family, Other)
• The contractor is licensed (if required) and registered as a business in this state.
• Contractor has all necessary insurance to complete the job safely. Including: Worker's Compensation, General/Personal Liability and Automotive.
• I researched any complaints with the Better Business Bureau, Attorney General’s Office and other local consumer protections agencies.
• This contractor does not have too many jobs and can fit my project within my time schedule.
• I obtained at least 3 references (from each contractor).
• I have called every reference and asked thorough questions.
• I reviewed at least one project site from the reference list in person.
• I have a detailed bid from this contractor. Including: describes all parts of project to be completed, estimated material cost, estimated labor cost, estimated time needed for completion.
• I understand everything in the bid and what that project will entail. I have asked for clarification on anything I do not understand.
• I understand the pricing.
• The contractor clearly lists the types of materials he expects to use.
• The contractor offers warranties on materials and craftsmanship.
• This contractor will obtain all necessary building permits.
• This contractor has provided a sample written contract of a previous project. I understand the wording of the contract and can easily see how to adopt a similar one for my project.
• This contractor is easy to talk to and has been easy to get a hold of for follow up questions.

Part III:

The Contract The written contract between you and your contractor should be taken very seriously as this will be the roadmap that both parties will use to ensure that everyone is kept on task and happy. The following items are highly suggested to be included into the contract. You may add and remove items as they pertain to your particular project or situation.

1. The contract should specify exactly what is expected to be done. Besides the project, any clean up, where materials will be unloaded, etc., should also be included.
2. Specify the dates for commencing and ending the project. It is also a good idea to detail what is expected if delays occur due to weather, material delays, etc.
3. Detail the materials to be used for the project and their cost; this includes brand names and other identification to make certain there is no confusion. Not recommended, but at the very least, detail an allowance specifically for materials with strict parameters.
4. The contract should detail the contractor's insurance clarifying that coverage is expected through his/her carrier.
5. It should be clear who is responsible for obtaining permits and what permits are required for completion of the job. Ideally permits will be obtained by the contractor.
6. Method of payment and payment schedule should be clear. Never pay for the entire job in advance! Depending on your state there may be a limit to your initial down payment. Usually it is enough to cover any special material costs and initial start of the project. There is usually an agreement to pay by interval as different stages of the project are reached. Again, detail this in the contract. Once written, make certain you both understand the payment terms before either of you sign.
7. Any warranties provided by the contractor should be detailed in the contract. Identify if they are full or limited warranties and describe exactly what they will and will not cover. If warranties include manufactures, make sure all of their contact information is included in the contract as well.
8. Finally, a method for dispute resolution should be included in your contract. This should detail how each party should be notified of any grievances. The best means would be mediation or arbitration as this can save you both money. However, if a problem does arise make certain every notice of a problem(s) is done in writing so you have record of your attempts at solving the problem.

As a general rule, be as detailed about the project and all expectations as possible. We have included some sample contracts from our partner site Lawchek®. These are only samples and should be reviewed and changed to fit individual project needs.

• Subcontractor Performance Agreement for Residential Construction
• Deadline Extension Amendment

This reference should answer basic questions. The questions recited on these pages are the more commonly asked questions of attorneys when a client first makes contact for the purpose of a better understanding of real estate legal matters. This is not a substitute for legal advice. It is never recommended that an individual undertake his or her own representation in such matters as real estate law, even though most states do permit such activity. Any individual who is serious about proper real estate transactions would want to have capable legal assistance. An attorney must be consulted. "This work is protected under the copyright laws of the United States. No reproduction, use, or disclosure of this work shall be permitted without the prior express written authorization of the copyright owner. Copyright © 2006 byLAWCHEK, LTD."