Loft Conversions

Loft conversions in the United Kingdom are very heavily regulated like most other types of building renovations. Permissions must be grated and regulation met before any work can commence on a loft conversion project. Whether or not you are granted these permissions, and whether you meet the necessary regulations depends very much on the condition and structural integrity of your existing property. The vast majority of lofts/attics can be converted into valuable living space, and when done so will often provide the homeowner with the most attractive and largest living area in your home. Of course the other major advantage of converting your loft is that it can significantly increase the value of your home.

There are no doubt some very ambitious individuals who will undertake the project of converting their loft space themselves. Good luck to them I say. Given the load you intend to place on the existing floor this is not a route I would advise, and having seen a good number of botched DIY jobs myself I would strongly recommend employing the services of an Architect and a builder. It is possible to save money in other areas however, such as by sourcing and buying the materials yourself, decorating the space yourself, or if you're a little more handy by applying the insulation and boarding yourself once the structural work has been completed by a professional.

In a few circumstances your property may not actually require planning permission. One of these instances is if the proposed loft conversion is the property's first extension and does not exceed 40 cubic metres on a terraced property and 50 cubic metres on others. These extenuating circumstances do not apply however, if your property is located in a conservation area. All flats require planning permission.

Once your extension plans have been approved and sign by you the homeowner, you will then have to submit them to your Local Authority for approval, which normally takes between two and three months to complete. Once you have received the approval from your local authority, the next step is to prepare Building and Fire Regulation Plans to submit to your Local Authority Building Control department. This submission will generally take around 6 weeks to complete.
Once approval has been granted you then need to serve Statutory Commencement Notice upon the Local Authority Building Control Department in accordance with the Regulation 14 of the Building Regulation 1985 (amended 1994).

As mentioned above one of the major benefits of, and motivations behind, many loft conversions is that they can significantly increase the value of your home. Should you decide to sell your property the prospective buyer's surveyor will check on the permissions for the conversion, and its compliance with the relevant regulations. It's therefore not worth cutting corners or taking chances. Do the job properly using professional builders/architects. This is the best piece of advice I can offer you. The additional cost of using professionals is offset by the peace of mind you will receive knowing that the job has been properly, to a high standard, and will stand up to the scrutiny of any surveyor.

http://www.jupiterblue.co.uk
Loft Hatches, Loft Ladders, Roof hatches

Home Electrical Books

Termites Can Ruin Your Home

There are three conditions that attract termites to an area:

Water is the first condition that attracts termites to an area. Termites generally cannot survive without a source of water present. Termites will always seek some source of moisture to survive whether it is in the form of a leaky faucet, sprinkler or rain.

Wood is the next thing that will attract termites. Termites will consume any material that contains cellulose. Since wood contains a great deal of cellulose, termites eat wood like no other. If a single piece of wood touches the ground, a colony of termites somewhere will know about it. Some subterranean termites will consume other materials such as vegetation, dung, and humus, but their primary source of food is wood.

The last thing that termites are attracted to is soil. Termites are subterranean, so they build their colonies in the ground. They love soil and will build elaborate tunnel systems, called galleries up to three feet below the surface. Termites will use soil to create mud tubes leading from their underground colonies to above ground food sources such as the wood in your home.

Being aware of the three conditions for termite survival can help you to keep destructive termites away from your home. Termites cost over $1 billion in damages to homes each year. They are one of the biggest contributors to home destruction. With the importation of the Formosan termite from East Asia, the amount of termite caused home damage continues to rise. A termite colony consists of anywhere from 250,000 to a million termites. A single termite queen can live between 30 and 50 years and can lay thousands of eggs per day. That means that a queen can repopulate her colony even after tremendous devastation. The best way to fight termites is to prevent them from ever touching your home.

So if you want to find more about pest control or even about New Jersey pest control or pest control Monmouth new jersey, please click these links.

Tips in Remodeling a Small Bathroom

Being among the top players world-wide in the financial, commercial, entertainment and cultural industries, New York City has become the most densely populated city in the country. With such reputation, the cost of housing soars leaving smaller living spaces a more popular option. Making a home out of these amply-spaced to smaller units is a challenge to many. This includes making important features of the home seem much cozier such as remodeling a small bathroom.

When remodeling a small bathroom, a complete focus on space fused with the right amount of creativity is key to the success of the project. Another important thing to ponder on is that quality does not come cheap. But it does not mean that you would have to always stick with the most expensive service or product, it only means that you should take careful considerations before letting go of your hard-earned cash to be able to give the most value to the money that you spend.

There are various ways to make less space appear much bigger. Enlisted are helpful tips in remodeling a small bathroom:

First off, unless you have significant skills and experience in plumbing, carpentry and electrical works, or the project is not a major one; you should seek the expertise of a competent NYC contractor to help you. Following this first tip in remodeling a small bathroom would save you a whole of time and money in the long run.

Instead of having a tub, maximize the space by having a shower instead. Rather than the traditional shower pan construction, a simple one-piece pan would serve as a much sleeker option as well as a leakproof solution. But if you still prefer a tub over a spacious shower, then go for the soaking bathtubs that are smaller but deeper designs.

In remodeling a small bathroom, choose a lighter and cooler hue for the walls and delicate patters for wallpapers or tiles. Light colors have an airy feel to them creating an illusion of more space. To create a better impact out of these designs, install fixtures offering heavy lighting. Another way to better illuminate the small bathroom is through skylight features. A bay window is a good choice as its alcove may also offer additional storage space.

Two elements have long since been known to give an illusion of more space. Reflection
and vertical objects and designs such as unframed mirrors and tall bathroom products that have shiny surfaces can be used in remodeling a small bathroom. You can have two mirrors installed opposite each other or facing the window. And when shopping, choose a tall but compact model of toilet and either a wall-mounted or sleek sink.

Important considerations when remodeling a small bathroom are the storage of toiletries and room for decorative items. Choose to have spaces cut out into the walls to serves as additional storage or display area rather than having free-standing cabinets or shelves installed into the walls. Lesser things protruding from the walls would help make the space seem larger.

Eugene Makeev has been in the home improvement industry for a while. His skills and expertise, which have been polished through time, are now used to help New York home owners avoid the common pitfalls in home improvements by matching their needs with the right, prescreened NYC contractor. To know more about remodeling a small bathroom, visit Contractors New York

Building Contractor Books

What to Look For in an Air Duct Cleaner

Air duct cleaning is a relatively new industry that has exploded as a $4 Billion a year industry in the United States alone, in the 21st century. Some people have embraced air duct cleaning as a beneficial service, while others have criticized the service and view the service as a waste of time and money. More than likely though, people who have their varying view points for and against the service are both correct on this issue in one way or another and in this article I will address why I think that both sides raise interesting and very good points that you as a consumer should consider. In this article I will address different air duct cleaning methods and explain what those methods are, I will explain credentials so that you can better understand who the organizations are and who they represent and last I will address the common scams that are out there so that you as a consumer can avoid being caught up into such scams to increase the possibilities of receiving a good service performed correctly, should you ever schedule an air duct cleaning service in the future with a local service provider.

The two most common air duct cleaning methods are the "contact cleaning" method and the "Power vacuum air wash" method in air duct cleaning. The contact cleaning method in air duct cleaning involves the use of shop vac style equipment to keep constant contact between the vacuum hose and duct work surface during the cleaning process. Generally speaking the companies that employ this form of cleaning charges less money for their services, because they know that they are limited in what dirt, dust and debris that they can actually pull out of the air ducts and are typically in your home to perform the service for 30 minutes to 1 hour. There is usually no benefit to an air duct cleaning service when this method of cleaning is performed, however it may be beneficial if the actual vent boots were full of construction debris or dog food or whatever and you did not feel like cleaning the vent boots and preferred to just get a cheap service provider out to do that work for you instead. Now, the power vacuum air wash method in air duct cleaning involves the use of expensive powerful equipment to allow a technician to deep clean the entire HVAC system. The vacuum hose is usually 8-12" in diameter and is installed in the main trunk line to put the entire air duct system under a deep and powerful vacuum.

No kidding, every vent in the house will have a powerful vacuum pulling hard off of every vent in the house for a perfect negative air containment, which disallows any cross contamination of dirt discharges in your home to occur during the cleaning process! The vacuum machines could be 220 volt HEPA rated negative air machines, gas powered or diesel powered machines to generate a powerful enough vacuum to perform the service properly. Compressed air tools are used to air wash all of the dirt, dust and debris to the power vacuum hose installed in the main duct, trunk line. When the power vacuum air wash form of air duct cleaning is performed correctly the service usually takes anywhere from 2-4 hours to perform the service in an average sized home. Reputable companies will clean all supply boots, adjoining supply branch lines, supply trunk line(s), supply plenum, return boots, return channels, return trunk line(s) and return plenum, virtually 100% of the entire HVAC system.

It is vital that the entire air duct system is cleaned, because if any debris and or contamination is left in the system, then that missed debris and or contamination will just recirculate again to recontaminate the air duct system as if nothing was even done, once the furnace is turned on again after the air duct cleaning is complete. A typical forced air ventilation is a circulatory system of constant air in and air out when a furnace is in operation. Companies that are licensed for HVAC will also thoroughly clean the furnace and evaporator coil (indoor coil that is often above the furnace).

The benefits can be tremendous with this method of cleaning, such as increased air flow, increased HVAC system efficiency, reduced dust in the home, reduction in unpleasant odors deriving from the air ducts and increased life expectancy of working HVAC parts such as surface igniters, blower motors, limit switches and capacitors that dirt, dust and debris destroys over time. A reputable company that pays their technicians well, maintains their tools & machinery and possesses all of the proper credentials such as ACCA membership status, EPA certified technicians to handle refrigeration and carries proper insurance(s) will charge anywhere from $425.00-$1000.00 per HVAC system for about half a days work to properly clean each HVAC system.

The price swing is also factored by different cost of living standards depending on where you live in the country and varying overhead costs that each company carries. Some one in Manhattan New York would probably be near the $1000.00 price per HVAC system cleaned, whereas someone in Austin Texas would be near the $425.00 per HVAC system cleaned. The cost of living is much higher in Manhattan New York than in Austin Texas, so logically air duct cleaning in Manhattan New York would cost more than in Austin Texas.

Credentials are very important! Beware of companies that have no credentials at all, because an in experienced service provider can cause a lot of expensive damage to your HVAC system, if they don't know what they are doing and you surely don't want to be stuck with an expensive repair bill as a result. The best credentials that a service provider can have is the ACCA membership status.

The Air Conditioning Contractors of America (ACCA) HVAC system cleaning standards is the only air duct cleaning standard accredited by the American National Standards Institute (ANSI). ANSI is a reputable international organization that creates rigid tough standards to improve products and services for the better good of the consumer to ensure that the product or service is safe and effective. If an organization lacks ANSI accreditation, then they lack validity to their product or service(s) in the HVAC, Heating, ventilation and air conditioning field.

A prime example of that would be NADCA, which stands for the National Air Duct Cleaning Association. NADCA has raised some good guidelines to follow in an air duct cleaning procedure, however they lack knowledge in having much HVAC technical knowledge to deliver the best procedures in cleaning your furnace or evaporator coil, which is at the heart of the entire air duct system. Very often NADCA member companies are not licensed for HVAC, which increases your risk when hiring them to clean and HVAC system. These vital working components needs to be cleaned as well, which means in my opinion NADCA will leave you in the dust pertaining to HVAC system cleaning. The safe approach to take is to shop around with ACCA member companies to ensure that your HVAC system is cleaned correctly by a licensed HVAC contractor or company rather than hiring an under trained carpet cleaner or air duct cleaner.

Air duct cleaning is a good service to have performed if it is done properly by an ACCA member company, however many companies have exploited the good service that many homeowners and building owners desire by delivering bait and switch tactics or blow and go air duct cleaning procedures that leaves the system contaminated after the service has been performed. 9 times out of 10 you should discredit ads that state air duct cleanings start at $59.00-$199.00 for up to 10 vent lines cleaned. Only two results will derive from these forms of advertising such as Company "A" arrived for $79.00 and in fact cleaned 10 vent lines with a shop vac type machine and left within 1 hour leaving your system contaminated or Company "B" arrived to clean 10 vent lines for $69.00 and their technician explained that the returns are very dirty too and they can be cleaned for $25.00 each.

Now your ticket has turned to $144.00 with 3 return lines cleaned. While the technician is still cleaning he realizes that your trunk lines are dirty too and up sells you on that to clean a supply trunk line for $100.00 and to clean a return trunk line for another $100.00, which now turns the ticket into $344.00. You're done with receiving the up selling, right? No, think again, because the technician explained to you that he had to cut out accesses into the ductwork to clean it right, he of coarse now has to sell you clean out doors to install so that all of your air doesn't escape out of the system, so he quotes you at $75.00 for each clean out door installed to make the ticket $494.00 from an additional $150.00 for two doors sold.

If the job was performed correctly that would be fine, however the guy is in your house with a shop vac type machine, which means he received $494.00 from you to leave your HVAC system contaminated. After he leaves once the air duct cleaning service has been performed, you realize that dust is blowing out of all of the vents when the furnace cycles, because he disturbed a lot of dust during the air duct cleaning, because shop vac style machinery are in effective in performing a thorough air duct cleaning service. You could have called a reputable company that is an ACCA member company utilizing the most powerful equipment in the industry to give you an "up front" price quote right in the same ball park for price as the bait and switch company eventually got out of you, to get the job done thoroughly and correctly. If it is too good to be true, that is because it is. Buyer beware, these bait and switch tactics have been going on for years and usually the companies that follow these price structures are the very companies leaving the majority of dirt, dust and debris in your ventilation system that they were paid good money by the customer to clean out.

When shopping around for a service provider that offers air duct cleaning as a service, make sure that they are an ACCA member company, which tells you that they are licensed for HVAC and check their record at the BBB. If they have a few complaints that is fine, so long as all of the complaints have been resolved. You know there is a huge difference with 5 complaints all quickly resolved and 112 complaints unresolved. These contractors and companies deal with the general public, which means they deal with all different walks of life of different personalities and characters on a daily basis. It is almost impossible if a company has done enough volume of work to keep a perfect record with the BBB. Usually the companies that are small and have not done too many jobs are the only companies that have the perfect score with the BBB. No less, the BBB is still a good reference though, to safe guard yourself from blatant scamming companies and it would be wise to reference companies there if you are unsure of the companies over all reputation.

The conclusion of this article is if a company is licensed for HVAC, uses the most powerful air duct cleaning machinery in the industry, performs air duct cleanings by the power vacuum air wash method and has a good reputation with the BBB and other reporting institutions, then air duct cleaning will more than likely be performed thoroughly and properly in most instances, so that you can realize positive results such as increased air flow coming out of vents, odor reductions deriving from the vents, increased HVAC system efficiency and increased furnace and air conditioning part life.

Author: Mike Meincke Managing Member of Lucky Duct, LLC. Lucky Duct, LLC is a full service licensed heating and air conditioning company that operates in Denver Colorado. Visit www.luckyduct.net to find more great information and facts on air duct cleaning. Enter the "Air Duct" page to find air duct cleaning related content.

Mike Meincke is the Managing Member of Lucky Duct, LLC. Lucky Duct, LLC is a licensed full service heating and air conditioning company that operates in the Denver metro market. Lucky Duct, LLC also provides commercial and residential air duct cleaning services using the most powerful equipment in the industry. Mike Meincke is personally licensed for HVAC as a licensed HVAC Supervisor, is EPA certified as a "Universal" card holder to legally handle refrigeration, has attended numerous manufacturing training courses with Rheem, Goodman and American Standard and has a decade of hands on experience in the HVAC field.

Shop Around and Save on Home Insurance

What do you like the most about your home - the bright, sun-filled kitchen, the shiny wood floors or the comfortable bedrooms?

Or is it the fact that your home probably makes up maybe the biggest part - of your total net worth?

Either way, you have to protect what you have, using homeowner's insurance.

Although there were reports a few years ago of higher prices and limited availability for homeowners insurance, the market has opened up again, according to J. Robert Hunter, insurance director for the Consumer Federation of America. Premiums are expected to rise by no more than the inflation rate this year, he said.

"The market remains a competitive one where homeowners' insurance shoppers can be selective," said Marshall McKnight, a spokesman for the state Department of Banking and Insurance.

Here are several ways to save on home insurance:

Shop around. While many homeowners believe that all insurance companies charge the same, that's an expensive mistake. Use a service such as ours to compare rate quotes from different companies if YOUR area. To get started, just use the form on the right.
"You can go from one company to another and pay twice as much," said Hunter.

And don't just call an agent and expect him to do the shopping for you, Hunter advised, because agents don't represent all companies and might not get you the best deal.

Insure for "replacement cost" rather than "actual cash value." After all, if your belongings are destroyed, do you want the insurance company to send you enough to buy a new couch - or do you want a $50 check for the actual value of your 11-year-old couch?

Make sure you are covered for at least 80 percent of the cost of replacing your home. If you're not, it could hurt you even if your home does not need to be completely replaced.

Let's say your home would cost $200,000 to replace and you're insured for only $100,000, half of the replacement cost. If you have a $10,000 loss, you would get only half of that amount, or $5,000.

Of course, knowing how much it would cost to replace your home is not always easy. For example, I know how much I paid for my home, and how much I could probably sell it for, but I don't have a clue how much it would cost to rebuild if it burned down.

The state Department of Banking and Insurance and the Insurance Council of New Jersey recommend that homeowners in this situation should consult their insurer, who will be able to estimate the cost of rebuilding based on the size and location of the home.

Think twice before calling your insurance company with small claims for minor home damage. There have been reports of homeowners facing much higher premiums after putting in only two claims. So if it's a loss you can handle, take care of it yourself.

And, in that vein, consider a higher deductible.

"If you're not going to file a small claim, it's no use paying a premium to be covered for an amount you wouldn't file for," Hunter said.

"Every dollar you give to an insurance company, on average you only get back 60 cents," Hunter said. The rest goes to the insurance company's profit and overhead. So if you can self-insure for smaller losses, you should.

About 20 years ago, Hunter raised |the deductibles on both his car and |home policies, and banked the money he saved on premiums in a special account. Over the years, he used that account to pay for about $2,000 to $3,000 in losses, mostly auto-related. He still has $4,000 - money that the insurance company |could have had.

"Nowadays, most insurance companies recommend a deductible of at least $500. If you can afford to raise your deductible to $1,000, you may save as much as 25 percent," according to the Insurance Information Institute, an industry group.

Make sure your home insurance policy includes enough liability insurance, in case someone is injured on your property.

Consider buying your home and auto insurance policies from the same insurer. Some companies will take 5 to 15 percent off your premium if you buy two or more policies from them.

You can get discounts if you install smoke detectors, deadbolt locks or burglar alarms.

Keep your credit history clean. Insurance companies are increasingly checking credit reports to set their rates.

Matt McWilliams is one of the co-founders of HometownQuotes.Com, an online insurance quotes web site. He is originally from Pinebluff, NC and attended Middle Tennessee State University. He is considered an expert in the field of online insurance shopping and finding new ways to help consumers save money on their insurance. For more information visit http://www.hometownquotes.com

Extreme Temperature Building

Budget Remodeling - It Can Be Done!

Even without hiring an actual home remodeling contractor to do remodeling, there are literally millions of ways that homeowners can successfully remodel their homes. There are hundreds of thousands of other homeowners like to do several home renovation projects on their own and if you like them, then it may be completely possible to accomplish. When it comes right down to it home remodeling does not have to be that costly at all, except for the materials that are used to actually make it happen.

On the contrary, though, if you or your spouse is interested in all with home projects and do-it-yourself projects then there are thousands of ways budget remodeling can be achieved: it just takes a little bit of creativity!

We all recognize that home remodeling contractors can be some of the most expensive people to deal with. If you are looking for interesting projects to do at home and don't care about the amount of time it takes to accomplish them then here are some suggestions that will not only make your home look beautiful, but will also add value to your home:

Expanding the Bathroom or Bedroom

One home remodeling project that many people carry out each year is the expansion of specific rooms in their homes. For example, you may want to make your Master Bedroom or Master Bathroom a bit bigger, and there are certainly cost-effective ways to get the job done. Even though a contractor may charge thousands of dollars just to expand one room, there are solutions to every problem and expanding a room does not have to be that hard.

A couple of the things that you want to know, though, are the basics of expanding rooms. For example, will you need fiberglass insulation after you knock down a wall? Will you need extra electrical wiring? These are a couple of the questions that can easily be researched if you know enough and are confident to do the job yourself.

Adding Pizzazz to the Bathroom

The bathroom is another place that people frequently find themselves wanting to remodel. For example, there may not be sufficient space in the bathroom for everything currently there. However, is it actually necessary to expand the whole room?

You may be able to get away with building a series of corner cabinets for the bathroom in order to have extra storage space. This is definitely a remodeling project that doesn't need to be left to home remodeling companies, and is certainly something that homeowners can accomplish themselves.

Re-doing Floors and Carpets

Another area that is normally remodeled is flooring and carpets. The flooring in the kitchen is some of the most general projects that are carried out during remodeling of houses. If you want to remodel the kitchen floor or any other floor in the house then this also can be done without a contractor. While contractors may charge a few thousand dollars to replace floors, how hard would it be to lay tile yourself or replace the carpet yourself?

All of these things mentioned are budget remodeling suggestions if you are still thinking of ways that you can remodel your house by yourself. Home contractors don't always need to be called and there is certainly a lot of money to be saved if they are not called.

Did you find those tips on budget remodeling useful? You can learn a lot more about budget remodeling by visiting http://home-remodeling.homeimprovementnewbie.com/.

The author of this article is Shin who is the webmaster of the site http://www.homeimprovementnewbie.com/ where he provides tips on home improvement.

Ceiling Repair Around Skylight

One-Close Construction Loans Provide the Best Mortgage For Building a Vacation Home

Many people investing in vacation properties decide to build a new home rather than purchase an existing home. Choices they make may range from using an architect to design a dream home to simply finding existing plans and choosing a builder. In all cases, the first decision is choosing the land or lot itself.

Once the location, plans, builder, and construction cost have been determined, the next question to answer is how to finance the construction. These choices range from cash to mortgage financing. In determining the best method of mortgage financing, a number of factors need to be taken into account.

Many banks offer construction loans, where the loan is set up so the builder can draw funds during the construction phase. These loans have costs associated with them, typically construction loan fees, inspections, processing, underwriting, appraisal, title, recording, and escrow closing fees. Interest during the construction phase is based on the drawn amount and either billed to the customer or taken from a prepaid reserve account.

When construction is complete, the construction loan needs to be paid off. This is typically accomplished with a traditional mortgage loan, or permanent loan. Once again, the customer incurs the loan fees and all other fees normal to any mortgage loan. The negative aspects of this type of construction-permanent financing are obvious: two closings double the closing costs, and interest rates may change during the course of construction.

The mortgage lenders providing the best financing for building offer one-close construction loans. These loans also allow the builder to make construction loan draws during construction, then automatically convert to the permanent loan on completion of construction. Besides the obvious cost savings of only one closing, the other primary benefit involves the interest rate on the long term loan: in many cases, the lender will lock in the rate at the time of the first closing. This means that the customer knows what their payment will be when complete, regardless of market fluctuations during that time.

There are other benefits created by one-close loans depending on the length of time the property is owned. Since many people purchase the land and build at a later time, their equity or appreciation during that time can work to their advantage, as the loan to value determination is based on appraised value, rather than cost.

For example: a customer purchased a lot for $200,000 that has doubled in value over time. They now wish to build a home with construction cost of $600,000. The appraisal comes in at $1,000,000. Since the lender will finance up to 80% of appraised value, there is $800,000 available. This will finance the construction, pay off any land loan, and include closing costs and construction interest in the loan, providing a true turn-key project with no out of pocket costs and payments starting when the home is complete!

Home builders also prefer this type of financing, because their own financial resources and credit lines are not needed. Since the customer is financing construction, the builder does not need to build in financing costs that would normally occur if they were building the same house for speculative sale.

Realtors who work directly with builders are also finding the benefits of one-close financing: Instead of just selling the land, and earning commission on the land portion, realtors can be instrumental in linking up the customer and the builder, selling the land and construction package and earning commission on the entire value.

The best advice for anyone deciding to finance the construction of a new home is to seek expertise in mortgage financing for their particular need. Companies advertising "we do everything" may not have the necessary lending relationships, just as banks offering two-step construction to permanent may not be competitive. In all cases, the customer will find that one-close construction loans save dollars and make sense.

James J. Johnson has over 30 years experience in financing purchase and construction of resort and high-end properties. As Director of Idaho Property Funding for Mountain Mortgage Centers, he can be reached at jj@resort-funding.com or 208-634-9770
website is http://www.resort-funding.com

Home Buying Problems