Services

Inspection vs. Appraisal

Do I need a house inspection when my bank is having the house appraised?

Yes! A house appraisal is an independent evaluation of the current market value of a house or property. In general, the purpose of an appraisal is to set the current value of a house so that a lender may determine how much it can loan to the buyer. The appraiser looks at similar properties in the area and the prices at which they were sold to set the value of the house.

A house inspector conducts a thorough evaluation of the houses major systems and structural integrity. Whereas the appraiser is typically working for the bank, the house inspector is working for you. The house inspector identifies items that need replacement or repair prior to closing, which can save you thousands of dollars.

U.S. Department Of Housing And Urban Development (HUD) requires buyers sign a Consumer Notice advising them to get a house inspection in addition to a house appraisal before purchasing a house with a FHA mortgage. Additionally, HUD now allows homebuyers to include the costs of appraisal and inspection in their FHA mortgage.

Roofing Issues

Of all the problems you can encounter around the house, roofing problems are by far the sneakiest. Leaks can develop unnoticed for years causing rot, mold, warping and other expensive damage.

Experts recommend that you go into your attic or crawlspace at least once a year after a rainstorm to check for leaks and water damage. Special attention should be paid to areas where you have flashing (the metal or plastic weather stripping that will be around chimneys, pipes, vents, roof planes and eves) because this is typically the most likely area to develop leaks. It is also recommended that you visit the surface of your roof yearly – during good weather – to look for any loose, missing, eroded, warped or otherwise damaged shingles and to check the overall condition of your roof.

You should also clean rain gutters and downspouts of leaves and other debris regularly, preferably in the fall once the trees are bare. While doing this, check for mineral deposits which could indicate the erosion of asphalt shingles.

Many people would prefer not to inspect their roofs themselves. Roofs can be pitched at very steep angles and pose quite a challenge to those leery of heights. Inspecting the roof from an attic or crawlspace full of spiders and other creepy inhabitants may not be too attractive either. Another issue is most people are unsure of what to look for. Leaks can be hard to track – water travels downward and the damage can be far from the actual leak. Because of this, hiring an expert to inspect the roof for you is something you should consider.

We offer full service, unbiased roof inspections and will provide you with a detailed report of our findings complete with recommended maintenance and repair suggestions. Please contact us for quotes.

Radon Gas 

There are cracks in the foundation. Nothing structural. Nothing that’s going to threaten the stability of the home, but they’re there. Nooks, crannies and holes through which seeps an invisible threat. Colorless, odorless and undetectable by your average human, it is none the less the second leading cause of lung cancer in the United States.

Radon gas - even the name sounds ominous, evoking images of radiation and nuclear devastation is created when uranium in the soil decays. The gas then seeps through any access point into a home. Common entry points are cracks in the foundation, poorly sealed pipes, drainage or any other loose point. Once in the home, the gas can collect in certain areas especially basements and other low-lying, closed areas and build up over time to dangerous levels. The Environmental Protection Agency of the US Government has set a threshold of 4 pico curies per liter as the safe level. As humans are exposed to the gas over a period of years, it can have a significant and detrimental effect.

How widespread is the problem? Radon has been found in homes in all 50 states. Certain areas are more susceptible than others (http://www.epa.gov/radon/zonemap.html), but no location is immune. Concentrations of radon-causing materials in the soil can be either natural or man-made. Homes built near historic mining operations may be at higher risk. The only way to tell for sure is to have a home tested.

Testing for radon comes in two forms: active and passive. Active devises constantly measure the levels of radon in a portion of the home and display those results. Passive devices collect samples over a period of time and then are taken away and analyzed. Either method can help you determine your level of risk. Do-it-yourself kits are available from a number of outlets, normally with passive devices. Over a period of days, the device is left in the lowest level of the home which is normally occupied. This eliminates crawl spaces under the house, but includes finished or unfinished basements. Then the results are analyzed by a professional. The other option is to engage a qualified professional to conduct the tests properly. The EPA web site (http://www.epa.gov/radon/manufact.htm) provides information on finding an appropriate resources and testing devices.

If high concentrations of radon are found in your home, you have several options. Since radon is only a problem when it is concentrated in high volume, improving the ventilation in an area is often sufficient to solve the problem. In other cases, it may be necessary to limit the amount of radon getting into the home by sealing or otherwise obstructing the access points. Once again, a professional should be engaged to ensure that the radon is effectively blocked. Typical radon mitigation systems can cost between $800 and $2500, according to the EPA.

If you're buying or selling a home, radon can be a significant issue. Buyers should be aware of the radon risk in their area and determine whether a radon test is desirable. When in doubt, the EPA always recommends testing. The cost of the test can be built into the house price. If test results already exist, make sure they are recent or that the home has not been significantly renovated since the test was performed. If in doubt, get a new test done. If you’re selling a home, having a recent radon test is a great idea. By being proactive, you can assure potential buyers that there is no risk and avoid the issue from the start.

So whether you have an old home or a new one, live in an old mining town or in the middle of the Great Plains, radon is a reality. But it is a reality that we can live with. Proper testing and mitigation, can eliminate radon as a health threat. For more information, visit the EPA web site on radon at http://www.epa.gov/radon.