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What You Should Know about Remodelling Insurance

Posted by admin
September 4th, 2019

What You Should Know about Remodelling Insurance

Remodelling a house is exciting. It can also be stressful and worrisome. Before you get started on a renovation, there a few key things that you should keep in mind. First you should come up with a plan that includes a timeline and a schedule. Detailed notes can help put the tasks into focus. Factoring in your budget is perhaps the most important thing as far as your remodelling planning goes. When you are figuring out your budget for a renovation, you need to include unknown costs and insurance fees. You may think you don’t need insurance, but you want to have to replace supplies, fix damages, or cover the cost of hospital visits should something go wrong. After you figure our insurances costs, you will be able to focus on the task at hand and move forward with your remodel.

Talk to your Insurance

Before you do anything, you should talk to your current insurance provider to see what they cover and what they will not. This is important, you need to know what you will need to find new insurance for. A lot of insurance companies are not interested in covering renovations, so you will likely need to shop around for specialized insurance. Once you have been honest with your insurer on what you will be renovating, you will be able to find what you need as far as insurance goes and start your renovations with peace of mind.

What if I Go Forward Without Insurance?

If you decide to risk a home renovation without the right insurance, you will be liable for all the damages and even hospital visits should an accident occur. In any home-building job, insurance is required so you may receive hefty fines if the authorities find out that you’re not insured. You probably shouldn’t start a home renovation without the right coverage, you are risking more than you have to.

Types of Insurance

What you really need for a home renovation is empty building or site insurance. Site insurance will cover renovations and empty building insurance will insure the property when it doesn’t have tenants. Conventional building insurance won’t be enough to cover your property if it is empty for more than 30 days according to the experts at MoneyPug, which is used as a platform to compare home insurance. The same goes for properties that are not habitable. Some insurers will extend empty building insurance, but this may only provide basic coverage for earthquakes, fires, and other disasters.

For the insurance you need when you’re starting a renovation, regular inspection is one of the things that empty building insurance depends on. It is dependent upon draining the water systems after being drained. The electricity and gas mains need to be isolated as well. Some companies require the waste to be cleared and the letterbox to be sealed. Others want extra security measures in certain areas.

When you take out site insurance, the physical elements of the project, which includes the structure, materials, and temporary work are covered by this type of policy. Accidental damage to other people and property is covered. People working on the renovation will be covered if they are injured on the job. Furthermore, loss and damage to equipment you own will also be included. Site policies also include personal possessions, accidents, and legal expenses, but the cost likely depends on the value of the property, where it is, the value the renovation will add, and the overall terms of insurance.

It doesn’t matter what you are changing to your house, you should look into the right insurance for what you are doing. Knowing ahead of time what insurance you need will help you determine the overall costs of your renovation. Once you understand what you are getting into, you will be able to go forward with peace of mind and the necessary knowledge to get the job done. Then, after all is said and done, you will have exercised caution and will be able to live in your dream house. So what are you waiting for? Get started today, you won’t regret it.

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10 ways to improve your property

Posted by admin
June 19th, 2019

Graphic of house on scales with money on other end

10 ways to improve your property

If you are thinking of selling your property or simply want to give it an update but wish to add value to your property also, the following 10 ways to improve your property is a good start. They are in no particular order of importance, cost or value adding potential.

As with all improvements you need to decide the reason behind them, if it is to add value to your house you should always research the local area to find out if doing a job will actually add value. If you just want to update your house for you then it is less of a consideration but be careful not to do things to devalue your property.

Garden – Do you have kerb appeal

Is your garden in need of some work, is the grass up to your knees or does it resemble a jungle? The first thing people see as they come to your property is your garden. Simply by keeping it neat and tidy will increase the kerb appeal. Simple things such as weeding the borders, cutting the grass and having well planned all year round plants is maybe all you need to do. If you wish to go a stage further you could use weed control membrane and coloured slate, some coloured pots and maybe even block pave the driveway, this is obviously more expensive but will improve the look and initial appearance of your home.

Environmentally friendly house

Is your property Environmentally friendly? Many people are looking to buy houses that are Environmentally friendly nowadays, for example short flush toilets, double glazed windows, water collection devices such water butts to recycle rain water or condensing boiler. All these things could not only benefit you, the home owner, but also the environment and are all good selling points.

New kitchen?

The kitchen for most homes is the hub of the house, it is where you make meals, maybe eat, and often meet other family members from the household passing through, it can be the organisational hub also with notes stuck on the fridge. A kitchen is also a great selling point of a property, does your kitchen look old and tired, is it 20 years old? There is nothing wrong with an old kitchen, they will often last for years it’s just the fashion and trends that change but the carcass or the kitchen maybe nearly as good as new.

Instead of ripping the entire kitchen out why not consider either having it painted or just replace the doors and worktops to give your kitchen a modern look and feel. There are lots of companies offering replacement doors and worktops online. And you can save yourself a small fortune at the same time.

Bathroom

Everyone likes a nice bathroom, a nice suite and well heated. So if your bathroom isn’t that welcoming you may consider doing it up, especially before selling. You don’t, unless you want to, need to install an entire new suite, replacing taps and getting rid of that old wooden toilet seat and replace it with a new one or a plastic one could be an idea.

Adding a few tiles could brighten up a bathroom and make it easy for mopping up splashes, especially around the bath or basin. Re-grouting your existing tiles could make the bathroom look cleaner and more appealing to potential buyers.

Another consideration is flooring, carpet may seem a good idea and feel nice on your feet in the morning but if your selling your house people may prefer a tiled floor or a vinyl flooring as it is more hygienic and easier to keep clean.

Flooring – carpets or hardwood flooring

Flooring is a large expense so you have to make to right decision, do you go for carpet or a laminate or hardwood floor? If you have cats or dogs a laminate or hardwood floor maybe a better choice than carpet. A dark carpet rather than a light coloured one would be best in a high traffic area, such as by a front or rear door. Hardwood and laminate floors are quick and easy to keep clean, simply brush them over with a broom.

The expense has to be a consideration also, especially if you are thinking of moving. Saving that worn out carpet will not help sell a house whereby a nice hardwood floor may do.

Storage

Storage is always a problem in most households, there is never enough space to keep everything we have nowadays. If you can build storage space it will certainly improve your properties look as all the clutter can be put away. For example, can you make a window seat with storage under the seat? Maybe you can build cupboards under the stairs, or build a toy box for the end of the kids bed.

Any space that can be utilised for storage will make your home run better and could add value to it also, as people always look for storage spaces when viewing a property.

Build

If you have the money you could always build, either an extension or convert the loft maybe, but you don’t have to go for a full on build, simply re-thinking a house and altering it may make the house work better and add value, for example adding an en-suit. A garden room or conservatory is another way of extending and would make a great play room for the kids, or a nice quiet place to relax in an evening.

You could also consider a garage conversion if you don’t use your garage for a car, but consider this carefully as it could affect the selling price later on.

Redecorate -Interior

It may seem obvious but redecorating is a relatively cheap way of improving your property, all houses need to be decorated from time to time as the décor gets tired and may suffer from the knocks and scratches of everyday life. Buying a tin of paint and painting a room can transfer how it looks, bringing it up to date by using a fashionable colour perhaps.

Adding wallpaper, even a feature wall can make a room more sophisticated and doesn’t have to cost the earth.

Redecorate – Exterior

The exterior of your house is just as important if not more so to maintain. Keeping the exterior paintwork such as fascia’s and soffits, doors and windows painted will keep the weather out and reduce the risk of them rotting.

Masonry also needs to be kept in good condition to stop damp from getting in.

Having a well maintained house gives a property great kerb appeal and could help sell a house.

Insulation

Cavity and solid wall

Sounds boring doesn’t it? But a well insulated house will have smaller energy bills than those houses with minimal or no insulation. Cavity walls and loft insulation can be done at any time and you may even be able to get a grant to help with the costs. If you haven’t got cavity walls you could line the walls with a thermal liner to reduce heat loss.

Upvc windows and doors with special coated glass will keep the cold out, look for the highest rated glass when you have them fitted. Also adding Upvc windows and doors is nowadays a great selling point as not only does it reduce the energy bills but also noise and or course there is no maintenance except cleaning them.

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Recent listed building exterior job summer 2014

Posted by admin
September 15th, 2014

Grade II listed building

Recent listed building exterior job summer 2014

As the summer draws to a close I thought I would post about a recent job I have completed. The job was a 17th century Grade II listed building property in my local area. I viewed the property in mid April 2014 with the intent to do the job late summer.

The property required some repair work to woodwork but was also in need of two new windows, a box sash window on the front elevation and a small window to the side elevation. These windows were made by a local joinery company and fitted by a local builder.

The building is timber framed that originally had weatherboard on the exterior but was rendered some year ago. The roof has a catslide style, this means one side is longer than the other.

Decorating the exterior

The rendered walls had algae growing on them so the first job was to treat this with a algae and anti fungicide wash, this was applied, left for a while, and then thoroughly washed and scrubbed off.

Once the walls were dry I could apply the masonry paint, two coats were applied to the walls of a Dulux smooth masonry paint in Magnolia. Once this was done it was time to do the windows.

There were nine windows in all to paint, the frames were painted in Sadolin Superdec Walnut, and the windows themselves in Sadolin Superdec Magnolia, the front door was also painted in the same Walnut and magnolia.

The guttering and downpipes were painted in a black gloss, the plinth was painted in a black bitumen to finish off the bottom of the property.

The customers were very happy and as you can see by the pictures below, there is a big difference between the before and after shots.

The before and after pictures

Grade II listed building side elevation

Grade II listed building frontelevation

Grade II listed building render


Grade II listed building side elevation

Grade II listed building side elevation

Grade II listed building side elevation


Grade II listed building side elevation

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