After the Storm: Assessing Damage and Hiring a Roofing Contractor Home Repair Articles | May 31 Cheap Under Armour Curry 6 , 2012 When disaster strikes, homeowners must carefully inspect and document damage before hiring a roofing contractor. It's difficult to tell somebody what work they need to do without first knowing for yourself.
There's nothing quite like roughing it out through a storm, hurricane, or tornado. Once the danger has passed Cheap Under Armour Curry 5 , and your household's safety has been confirmed, it is time to assess the damage. The most important shield you have against the elements, your roof, should be the first area checked for damage once it is safe to venture outside.
Look around your neighborhood for signs of the storm. Broken shingles Cheap Under Armour Curry 4 , bricks, or other building materials on the lawn are obvious signs that your roof might be damaged. Check your car. If it sustained hail damage, then your home probably took a hit as well. If you have any trees growing close to your house, check to make sure if any downed branches broke through or punctured the structure. Also Cheap Under Armour Curry 3 , look out for leaves blocking the gutters. If water collects, this will cause leaks in the attic. If you've kept surrounding trees well trimmed then these problems should not be an issue. If there are tiny indentations and granules on the sidewalk, that is also a clear indicator of hail damage.
When inspecting the roof, first check the inside of the house by carefully entering your attic. Look for patches of sunlight entering through holes and feel around for any drafts. Next Cheap Under Armour Curry 2 , carefully inspect the external shell via a ladder. Look around for missing shingles or holes. If the roof seems structurally unsound, get off the ladder and await professional help such as a roofing contractor or a general contractor. Once you've pinpointed the damage, be sure to take quite a few pictures of it for insurance purposes. If necessary, put together a makeshift solution using boards or plastic tarps to keep the elements out while awaiting repairs.
Now that you understand the extent of your problems Cheap Under Armour Curry 1 , it's time to get on the phone with your insurance agent to get a claim filed. The sooner your claim is filed, the sooner an adjustor can assess the damage done. Also, call up your best local roofing contractor as soon as possible. If the storm was very bad and affected your whole neighborhood, you should expect to be put on a waiting list. Be wary of a contractor who is not booked up directly following a major storm! If your ceiling is leaking Cheap Under Armour Curry Shoes , let the roofing contractor know that you need emergency repairs. Water damage can have lasting and devastating effects on the foundation of your household.
Before the roofing contractor begins to work on your repairs, be sure to ascertain a ballpark cost for the job, an established time frame for completion of the job, and how any waste incurred from the repairs will be removed from site. Also be sure that both the roofer's company and workers are insured in case of incidents Cheap Curry 6 Shoes , and obtain a written statement outlining the job, the price, and any other stipulations concerning the repairs. Compare this written statement to your insurance adjuster's quote once you receive both, but do so privately. Article Tags: Roofing Contractor
The Discount Mortgage Loan Finance Articles | January 21 Cheap Curry 5 Shoes , 2008
Discount mortgages over the last few years have shown to be very popular in the UK for re-mortgages and property purchases as interest rates have generally been quite low and stable. Though past indications cannot guarantee future trends.
They work by having for a period of time the "discount period" a set percentage discounted from the standard variable rate or the bank base rate normally off their standard variable rate or bank base rate. So if the bank of England base rate rise or fall lenders will usually adjust their mortgage rate, however the agreed discount on the product will apply to the revised rate until the end of the incentivised period. Then the rate will revert to the lenders standard variable rate.
For the discount period early repayment charges usually apply these may apply for the duration of the discount period or they might apply for a period beyond this date. Some discount deals may have steps in them so perhaps for the first year the discount rate will be very attractive then reduce the level of discount each year until the end of the total discount period. Known as a stepped discount. Many lenders for remortgaging offer free legal costs and valuation though there is generally a lender's fee which could be charge up front or added to the home loan on completion.
Discount deals potentially may help you to reduce monthly mortgage payments. Discounted mortgage deals aim to reduce the monthly mortgage payments for a determined period (i.e. the discount period) thus helping clients with their monthly budget. Caution should be taken as rates with this product are not protected from going up.
Though caution should be taken if the borrow is stretched and could not afford a rate rise for example a first time buyer if they decided to move they may find the early repayment charges high and they may be tied into a deal with an uncompetitive interest rate for some time. There can also be a high jump in monthly payments when the discount period ends and reverts back to the lender's higher standard variable rate.
Article Tags: Standard Variable Rate, Discount Period, Standard Variable Cheap Curry 4 Shoes , Variable Rate, Base Rate
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