What Should Homeowners Know About Their Roof?- When selling your home you will be asked about the roof when you fill out the Sellers Disclosure Statement. Even though your roof is insured, when selling, the insurance company for the buyer will look at how many layers. It is against the law to install a roof over another roof. That means that you can't put one layer over another. We do not recommend using 3/8 inch plywood for your decking and also be careful about what types of clips are used. There are many in the roofing business that shouldn't be. There is no licensing for roofing. Anyone can be a roofer. Many can be dishonest and tell you one thing and do another. Make sure you get a good roofer with knowledge, experience, and good reputation. As a buyer or seller, consider the age of the roof. Many insurance companies won't insure a home with a roof over a certain number of years. With extremes in Tulsa, OK. weather, the life cycle of roofs will shorten.
Make sure your roof can breathe. Even if you have soffit vents, take a leaf blower and spray them from the underneath side. That will blow dirt and insulation out of them and allow your roof to breathe. This saves you money and lengthens the life of your roof.
Condominium Financing- Financing a condo is a little different. It can require a little more down-payment and the premium might be higher. Many condos aren't managed or maintained properly. Most association don't cover anything from the walls inside. Because of these things, mortgage companies have special requirements. Associations do usually hold a insurance policy to cover the exterior but there is no coverage for the interior. That is the requirement of the homeowner and will be required by the lender.
Disaster Recovery Planning- 1 out of 2 business that suffer a disaster and must close, don't re-open. Of those that do open back up, 50% go bankrupt. This is due to lack of planning for a disaster. The following steps will help you as a business owner to plan for a disaster. In addition to these steps, talk to your insurance agent for insurance to your business in a disaster as well as help your family should the disaster stop your income. Check out our website below for more information on disaster planning.
1. Risk Analysis
2. Strategic Planning
3. Put your Plan in Writing
4. Testing, Training and Maintenance
The Importance of Staging Your VacantTulsa Home for Sale- There is a big difference between a vacant property with no furniture and a home that is being lived in and has furniture and decor. When staging your home, at least complete 1 room. Don't just put a sofa in the living room and consider it done. That isn't going to work. Buyers respond differently with a staged home. Most have a problem visualizing the home after they move in. Remember buyers see what they see, not what can be!!! For home staging experts in the Tulsa, OK. Area, email Darryl at info@darrylbaskin.com.
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