Modular Homes = a new construction that is cost efficient, eco friendly and can be built in a matter of days.
Many people forget about all aspects of building, including insurance. When you construct a modular, how do you insure it? Below is a useful article that identifies steps you can take to properly insure your new modular home.
Author: John Ben Insurance Options for Modular Homes
Modular homes are prefabricated structures that are built in factories and assembled at a site. These are cheaper to construct than traditional site built homes and can be customized as per specifications detailed by homeowners. Though these are built by a home builder in climate controlled factories, there are many risks associated with prefab homes, like bad weather or damage while being transported to installation site. Therefore, IT is important that homeowners should opt for insurance while buying such homes.
Many homeowners are under the wrong impression that modular homes are insured differently from site built variants. Contrary to popular belief, insurance agencies treat these structures exactly the same as traditional homes. Therefore, they insure these under the same plans, provided that the unit adheres to the HUD code. Nowadays, even a home builder can recommend an insurance company that renders all-encompassing accident covers to clients.
One of the most important insurance policies that owners should opt for is trip collision insurance. Under this, the company covers the cost of all damages suffered by the home as it is being transferred from the factory of the home builder to the installation site.
Upon installation, it is essential that buyers should get insurance cover against adverse weather conditions for their modular houses. This is vital, as windstorms, hailstorms, lightning, snow and incessant rains are known for damaging even the sturdiest of homes. Owners can also opt for insurance against fire, smoke, frozen plumbing, theft, explosion and vandalism to safeguard their homes. It must be noted that floods and earthquakes are not covered under the insurance policies of most service providers. It is a well known fact that home repairs make a sizable dent on a homeowner’s pocket. Therefore, insuring prefab homes against unprecedented repairs is a wise idea for all modular home buyers. This entails that damages which occur while repairing lighting fixtures, cabling or plumbing network will be paid for by insurance agencies. Usually, service providers offer insurance cover for the home, but add additional charges are levied for sheds and garages.
Before buying prefab houses from a home builder, people must give a thought to the reimbursement offered by the insurance company. Some of the important factors that decide the amount paid by the service provider to the homeowner are deductible levels and the neighborhood. Frequency of claims, continuous insurance coverage, quality of structure built by home builder and insurance credit as per credit history are other relevant factors that decide insurance returns on prefab homes.
To view the entire link to this article, click here: www.prfire.com
To improve performance of existing windows, consider storm windows, window films, and exterior roller shades before buying replacement windows.
Below are four ways to help improve window energy efficiency:
1. Replacement windows– full window replacement, insert windows (the old sashes come out and a whole new window inserts into your old window frame), and sash replacement (primarily for double-hung windows, this option requires jamb liners into which new sashes are installed).
2. Low-e storm windows- airtight storm windows with low-e coatings can rival the performance of just about any window replacement. And now you can buy low-e storms with high solar heat gain for colder climates and low solar heat gain for warmer ones.
3. Window films can be temporary or permanent– There are two primary types of window films: more permanent, surface-applied films and the stretch-plastic that you install temporarily to interior window trim.
4. Exterior roller shades keep the sun out– If keeping the heat out is your main concern, the most effective window treatment options are exterior; you keep the sun out before it gets in
For more information or a link to this article by Peter Yost, please click on the link: www.GreenBuildingAdvisor.com
The Iron/Occasions ITB presented by Kohler offers homeowners a complete island solution with the combination sink and countertop! The island features a seamless, integrated trough and a containment rim for enhanced cleanability and a beautiful appearance. The Iron/Occasions Island offers flexible installation options and can be mounted on common island cabinetry or placed on the optional stainless steel base for a modern feel.
The island is guaranteed not to chip, crack or burn. Two cutting boards are included with the island. These paper-based fiber composite cutting boards are low-profile, dishwasher-safe, and scratch and stain resistant. Also provided is a drain cover to give that modern look!
Visit www.kohler.com to pick out your island!
A centerpiece for your outdoor occassion, the outdoor campfyre adds style and heat to your beautiful nights outside. RH Peterson, Co. created an outdoor campfyre with a variety of selections. The options are endless in choosing realistic designer logs and branches, lava granules and coals, fyre gems or fyre glass.
The 70,000-Btu stainless-steel burner system features a flame-sensor safety-control system with electronic ignition and remote-control capabilities.
For more information about this product, visit www.rhpeterson.com
Don’t you hate carrying over a pot of water from your sink to the stove? JACLO Industries introduced a new product, JACLO pot fillers. These fillers swing out from over the stove, allowing access to all burners.
The fillers are easily stores pushed up against the wall in one motion. Depending on the type of pot filler, you can add features such as a positive shut-off at the front handle, so you don’t have to reach over the hot stove to turn it off!
To find your perfect pot filler, visit www.jaclo.com
Product of the Day: Ply Gem Stone
Ply Gem Stone is authentically recreated, easy to install, and is affordable. It is molded from real stone but is a lighter weight. There are over 100 stone & brick style and color choices to fit your home’s style and compliment traditional siding!
On Ply Gem Stone’s website you can use their Stone Selector to visualize selected colors and stones on your own home!
Need another reason to check out this product? This product is green approved to meet the National Green Building Standard!
To find out more about this product and begin researching adding stone to your home, visit www.plygemstone.com