3 Things You Need to Check Before Buying a New House

Buying a house is a beautiful and exciting moment in everyone’s life. It is usually a big step and a very important event. You’ve found a place that looks perfect, you love the neighborhood, the price is acceptable, but it’s important to keep your feet back on the ground for a couple of more details. In all that euphoria, make sure not to forget a few basic, yet crucial things when it comes to acquiring a new property.


It’s easy to get carried away in all the excitement, so if you’re planning to start looking for a house, first check out these obligatory steps and keep them in mind, before you make the final decision. Even better, if it’s the first time you’re buying a house, and you simple don’t have much experience or time for it, you can always hire a reliable inspection company. Either way, these are the details you need to have before making the final step.

Start from the Bottom

Out sight, out of mind – so it’s often easy to forget about the basement. Still, it is literally in the foundation of the house, and therefore it’s really important to make sure it’s in a good condition. The thing that can cause the biggest problems is the potential basement moisture, so that’s the factors to pay attention to.

If you hire home inspectors like https://theinspectorscompany.com/,  they will definitely check this one for you, but you can still see for yourself as well. Pay attention to the smell of dampness and the potential wetness of the walls. But if there is no such visible trace, pay attention to things like dehumidifiers, silica or buck which serve to absorb the dampness from the air and can thus point out to the possible problem.

Check the Drains and Plumbing

Make sure to turn on all the faucets. It may not be such a big expense and bother, but still, why not have all the facts and potential expenses on the table. You can also taste the water and make sure the pipes are okay and don’t throw some unwanted extras into your glass. It’s also good to know in advance if you’ll need to do something about them, get water filters and things like that.

Furthermore, don’t be lazy and flush all the toilets in the house. All these might seem like small, irrelevant items, but if more than of them don’t function, they can turn into a serious expense which can bring the purchase in question, and possibly lower the price. Finally, check the drains as well, as this has been known to cause problems as well. There may be a blockage in some point between the sewer line and the house, which is difficult to spot.

Check the Electrical Panel

Again, don’t be lazy to check this one as well, either personally, via inspecting company or both. The electrical panel should be neat and clean with no signs of amess. Any loose wires, or worse, the ones that just seem to hang free, not connected to anything, can be a signal that something is seriously wrong.

It could actually mean you can even expect to find live wiresinside the walls, which can definitely be a serious problem. Electricity is not something to play with, it can be really dangerous and cause significant damage, and thus expenses, if not functioning properly, so make sure to double check on this one.

These inspections may seem like an unnecessary expense, but when you think that they can potentially save you a lot of money on unexpected repairs, they start making sense.

Air Conditioning Repair – A few things to consider

vgtuThere is no more annoying situation than knowing that the temperature at home is increasing and almost nothing that can be done to fix the issue. It is now time to call a skillful and qualified service of air conditioning repair Carrollton TX to perform the repair.

When you find some issues arise in your AC system, an inspection performed by skilled technicians is really needed. They can find out the specific cause and suggest some solutions to fix the problem. The costs of ac repair may possibly be much less than you think. A well-timed repair will often add life expectancy to your ac unit and regain the level of efficiency which you expect. Disregarding the issue or letting it to continue operating may lead to a more costly repair and even need the replacement of the unit and this is the worst thing that you don’t want.

Another advantage of well-timed ac repair is that it can help keep perfect air quality in your home or office. A machine which is broken or fail to operate may reduce air quality and easily result in health issues if remained unresolved.

The best thing you can get from your HVAC service is a regular maintenance. By scheduling consistent maintenance for the ac unit, potential issues can be repaired before they get worst and undoubtedly help you save both time and cost sooner or later. Don’t hesitate to contact the experts of HVAC repair Carrollton TX especially when you notice some minor or major issues on your AC unit.

Also It must be noted that not all damaged air conditioning system can be repaired and for this reason, the unit must be replaced. No homeowner wants this situation, knowing the options to repair your ac unit immediately will avoid the worst issues that will lead to unit replacement.

Commercial Roofing and Residential Roofers Differences

As you know that residential space refers to your family home but other also argue that it includes townhomes, condos, or even any living space in which people live. However, commercial space is the term for entertainment facilities, office building, restaurants, industrial facilities, hospitals, shopping malls, or any building in which business is located. As you have seen, there are a wide variety of roofs that can cover such buildings and a numerous differences related to residential and also commercial roofs.


If you are trying to find a professional roofer, you will see a trend that some contractors complete both commercial and residential roofing projects. You will also find certain roofers that only focus on one or even the other. There are also a few differences between residential and commercial roofing that must be kept in mind.

The Roofing Materials

The roofing materials used for commercial buildings are different than you might choose for a residential construction. Home roofs are commonly built from tile or shingles which might be constructed from slate, wood, asphalt, and tile. Also, home roofs are typically designed with some aesthetic ideas, so the style and color of materials can also be one factor in residential roofing.

bhy09 The roofs for commercial building are usually designed with more practical aspects – durability and life expectancy, cost of maintenance, and cost of installation. You will also find various other commercial roofing materials such as modified bitumen. Some smaller commercial places will use asphalt shingles or even metal roofs, large buildings tend to use PVC roofing, TPO, metal and tile roofing. You can even find roofing materials designed for both residential and commercial buildings, though they are usually constructed in a different way and particular attention must be given to weight the structures. You should hire a roofer that has working experience in installing such roofing materials. Choose only a roofing contractor which has a team of expert that can properly install commercial roofing.

Roofing Design

While most home roofs are sloped in design, commercial buildings might be flat or low sloped. Flattop roofs carry their own problems with water damage and you need a commercial contractor who is knowledgeable about such issues. Commercial roofs need frequent and special attention to keep in good shape.


The Cost

By reason of the size and material costs, Roofs for commercial building are usually more expensive as compared to conventional residential roofs. Roofing costs will be much higher by reason of the specific material or even installation difficulty of the commercial roofing. I highly recommend hiring only commercial roofer rather than hiring residential roofers who mostly don’t even know the complexity of commercial roofs installation.


As you have read previously, there are many aspects to think about in commercial and residential roofing so I highly recommend to contact Lionheart Contracting . This is a reliable commercial roofing company in Kansas with many years of experiences in installing and maintaining the roofs of your commercial building. Ensure that you consult with them about the services they offer along with a quote.

Company Info

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Address :
3101 Gillham Plaza
Kansas City

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Investing property in Mumbai

Nowadays, you will find massive residential and also commercial constructions in the phase of development in Mumbai. This means that there might be huge profit in the Mumbai property market. Numerous multinational firms and banking institutions are situated in Mumbai and more has the intention to be here to make investments.


Mumbai has the prospect for individuals from each class of the modern society to put money into property industry. As a middle class you may invest in some apartments in Mumbai after which it is possible to make money by renting them. when you are planning to invest in Mumbai property market I highly recommend to purchase property or home in Navi Mumbai or even in some other suburb of Mumbai (like Parel, Worli and Bandra etc ) as the price of the here are quite cheaper . Market participants are aiming for Navi Mumbai since the prices are continually increasing. It is a new area near the harbor. Navi as well as other suburbs are perfect areas for you if you would like to invest residential home in Mumbai.

As investing property in Mumbai is a great concern, you will have all guarantees of receiving a great investment return in the near future. Indian authorities have put some great steps in this regard. Many businesses have planned to invest in India. They already have invested a huge number of square feet for commercial buildings in Mumbai and this marketplace demand is higher than average.

If you are planning to invest properties in Mumbai, the most important thing you can do is to retain the services of any real estate agents. If you need to find them fast you can also find many real estate agents that offer online services. Doing business with the real estate agents will help you in finding out the best deal in tight time.

Homeowners Insurance Claims: How to Increase your Chances to Win When Your Claim is Denied

So, you have filed a home insurance claim and the homeowners insurance company has denied it. You are not alone. After hurricanes Harvey and Irma, around 300,000 claims were filed for wind damage, and another 150,000 claims for flood damage. This means that half a million homeowners are going to negotiate with their homeowners insurance companies to get the flood damage cleaned up and get their properties either rebuilt or repaired in the coming months or even years.

hj667Unfortunately, not all of these people will have the chance to fulfil this dream. In fact, one in every 5 home insurance claims is turned down every year.  So, what do you do if you know you have a case; yet, your claim has been denied? Below are 8 tips to turn things around for you and not only keep the claim active but also try to reverse the decision.

1. Don’t Take their NO for Granted – It is Not Always Final
Most claimants give up when their claim is denied. However, of the less than 1% that query and decide to fight back, more than half get positive results and eventually have their claim accepted. So, don’t give up just yet. Chances are you can still get what is rightfully yours.
First, make sure your claim is 100% legitimate so you can proceed to taking further steps with confidence. About 10% of claims are unjustly denied so you can certainly query your claim. Most likely, you will get, at least, a better settlement.

2. Don’t Take Their Word For It – Get Everything in Writing
If your claim was denied, it is your right to know the exact reasons for the rejection. Therefore, ask for a review of your case and make sure you get a comprehensive explanation of the reasons for denying the claim in writing. Don’t be surprised if your insurer is not willing to provide you with their rejection in writing. A vast majority of them don’t fancy the idea, even though, in some states, it is a legal requirement. So, check your state’s laws and have the insurer write everything down. That way, you can move forward with Step #3 described right below.

3. Check Your Policy
So, you have the homeowners insurance company’s decision in writing. Time to check the reason for denial against your policy. If there is something (anything) that doesn’t make sense or add up, you can query your findings in writing. Don’t forget to refer to quotes from the policy if and where necessary to support the validity of your claim. In most cases, the insurer will reconsider your case.

4. Don’t Accept Claims Filing or Process Mistakes
When you file a claim, there is a process to follow. Some insurers look for the smallest mistakes on your behalf (usually in the filling process) to deny a claim. For example, your claim may be rejected because you have missed the window of time the insurer gives you to file a claim or because you didn’t fill in a form correctly.
In most jurisdictions, if your claim is otherwise valid, the insurance company cannot refuse to pay you. The only way they can build a case around your error is in the case your mistake has prevented the company from investigating adequately or has harmed the company. Before you do anything else, first check your state’s regulations about claims and responding to them.

5. Call the State Insurance Department
Calling the authorities about what your rights are is your best shot to have your claim re-evaluated, and potentially reverse the negative decision.  The State Insurance Department, as well as the Department of Insurance, are the legal authorities that govern insurance in the USA.

6. Hire an Agent
Although it may sound a bit strange, hiring an agent to represent you in the claim could give you the results you wish for. Insurance companies use agents all the time so that they don’t need to deal with every client personally. Likewise, you can do the same.

Know that such agents charge a fee of around 10% of your claim (they may increase your claim for you so that it covers their fee) and are usually called Professional Loss Consultants. They are experienced professionals that know how to deal with both claims and insurers. However, do check who will pay the fee if you win and what the fee will be because many agents make a no win no fee arrangement with their clients that doesn’t specify these two points and you may end up giving all the money from the winning claim to pay the agent’s charges.

7. Bring a Lawyer or Attorney In
Have this as a last resort option because, although insurance companies do take notice when a client hires a lawyer for their case, it could take too much time before both parties reach an agreement. Plus, it may weigh down on your wallet. This is because when you bring in a lawyer, all communications between the insurance company and the agent (if you have hired one) can only be done through the lawyer, which can be both costly and time-demanding.

Your attorney may in turn hire an insurance expert witness, a person knowledgeable regarding both insurance and the law who can help you fight for your legal rights.

8. Don’t Give Up
Don’t let time fly, after you have stated that you wish to have your claim reconsidered. Instead, call the company every couple of weeks and seek a suitable response. If you don’t get the reply you wanted, politely ask for the person’s manager or supervisor. Remember to log all calls with every detail (i.e. time and date of call, names of people you spoke with, etc.), follow up with a letter (keep copies of these letters) explaining the issue you have with the conversation that took place between you and the employee, and ask for a written response within a fortnight. If you still don’t get a response, call again.

Every letter you send should be by certified mail with return receipt so you are fully covered.
It may be worth it to ask your agent for advice. They may either assist you or direct you to the most appropriate person you should contact for the tips mentioned above.

Although nothing (and nobody) can guarantee that you will get your claim paid, you can certainly give it a try. Follow these tips, or any of them, and you could successfully win your insurance claim and get your home renovations paid for. After all, 50% of that 1% that insists on asking to have a denied claim revised wins!