Home MaintenanceHome Upgrades February 5, 2025

Shower Valve Replacement for Homeowners: DIY or Pro?

Shower Valve Replacement for Homeowners: DIY or Pro?

By: HouseLogic

Published: January 4, 2024

A new shower valve can turn on the benefits you want. Find out the best way to get it done.

 

We’ve all been there: You turn the shower handle, expecting a cascade of water, and instead, you’re greeted with a lackluster dribble. It’s like your shower decided to take a leisurely stroll instead of giving you the wake-up call you desperately needed. That’s where your shower valve comes in.

Your shower valve is an essential component of your shower system and is often used daily, so it can quickly become compromised over time. Replacing your shower valve can go a long way toward regulating water flow and maintaining water pressure and consistent temperature.

Let’s look at a few considerations for shower valve replacement, including expenses, timelines, and preparation:

When to Replace Your Shower Valve

If your shower resembles a lazy river at a water park on a scorching day, it might be time to say goodbye.

In older homes, replacing fixtures like shower valves can significantly improve functionality and efficiency, allowing you to save water and reduce utility bills. Plus, it could mean you experience more consistent water flow when you shower.

It may be time to replace your shower valve if you’re experiencing:

  • Leaking
  • Loose valve
  • Inconsistent water temperatures
  • Low water pressure
  • Valve caked in limescale
  • Valve corrosion
  • A dated look

Preparing to Replace Your Shower Valve

You’ll need to prepare appropriately to replace your shower valve successfully. This phase involves shutting off the water supply, removing the existing valve, and inspecting the surrounding area for signs of damage or corrosion. Additionally, you may need to adjust the existing plumbing to accommodate the new valve.

Selecting the Right Valve

Before you start your shower valve replacement, you’ll need to determine the type and size of valve you need.

Identify the type of valve currently installed in your shower. (Review the list of common valve types below.) This is important because each valve type may use different hardware or plumbing features and require different replacement processes.

Next, measure the valve. Start by removing the cover plate and finding the valve body. (A flashlight could help improve visibility, and taking a photo may prove useful for later reference.) Measure the center-to- center distance between the hot- and cold-water ports on the valve. Check for additional features, such as a diverter for a showerhead or tub spout, to help determine which replacement valve you need.

Types of Shower Valves

If it’s time to replace your shower valve, review this list of common types of shower valves to help identify the existing one and a possible replacement.

  1. Single-Handle Shower Valve: Has a single lever or knob that controls the water temperature and flow rate. It tends to be simple and easy to use.
  2. Dual-Handle Shower Valve: Has separate knobs or levers for controlling hot and cold water. This allows for precise temperature adjustments.
  3. Thermostatic Shower Valve: Designed to maintain a consistent water temperature. After you’ve set the desired temperature, the valve automatically adjusts the mix of hot and cold water to keep it steady, even if someone else uses water in the house.
  4. Pressure-Balancing Shower Valve: Designed to maintain consistent water pressure, avoiding sudden temperature fluctuations when someone else in the house uses water as a safety feature to prevent scalding.
  5. Volume Control Shower Valve: Allows you to control the flow rate of water without changing the temperature. These valves are often used with thermostatic or pressure-balancing valves to fine-tune the shower experience.
  6. Diverter Valve: Redirects water between different showerheads or outlets. For example, it can switch between a handheld showerhead and an overhead rain shower.
  7. Manual Shower Valve: Requires manual temperature and flow adjustment, often found in older or budget-friendly installations.
  8. Exposed Shower Valve: Installed on the surface of the wall, and the plumbing is visible. They are easier to install and access for maintenance.
  9. Concealed Shower Valve: Installed within the wall, hiding the plumbing for a sleek and minimalist look. They require more effort to install but offer a cleaner aesthetic.

Step by Step: How to Replace a Shower Valve

Now that you’ve measured and identified the type of valve you need, here are the steps to replace a shower valve. This outline of the replacement process can help you anticipate what to expect during the project. For specific details, consult a professional.

  1. Turn off the water supply: As mentioned earlier, the first and most crucial step is to turn off the water supply to your entire house.
  2. Remove the old valve: Here’s where the action begins. Remove the handle and any trim covering the valve. Next, disconnect the water supply pipes from the valve. Prepare for some water to drain from the pipes by having a bucket or towels handy.
  3. Prepare the new valve: Before you install the new valve, make sure it’s compatible with your plumbing system and the handles and trim you want. Follow the manufacturer’s instructions for any necessary preparations.
  4. Install the new valve: Attach the new valve so that it aligns with the water supply pipes.
  5. Reconnect the water supply: Reconnect the water supply pipes to the new valve. After everything is in place, turn the water back on and test your shower. Proceed with caution and check for leaks or drips before marking the task complete.

Shower Valve Replacement Project Timeline

The timeline for a shower valve replacement can vary depending on factors such as the complexity of the installation, the condition of the existing plumbing, and unforeseen complications during the process.

On average, you can complete a standard shower valve replacement in an hour and a half to three hours, according to HomeGuide. However, this doesn’t include drying and curing, which could take a few days. Plus, if you have a broken shower valve, the project might require a little more time upfront to assess the damage.

More-complex installations or situations requiring extensive plumbing system adjustments may extend the project timeline.

Materials and Labor Costs

Budgeting is crucial to any home improvement project, including shower valve replacement.

Materials

Although additional tools may be necessary, valve replacement often requires:

  • Adjustable wrench
  • Pipe cutter
  • Soldering kit (if using copper pipes)
  • PEX crimping tool (if using PEX pipes)
  • Thread seal tape
  • Pipe wrench
  • Bucket and rags
  • Plumbing flux and brush for soldering
  • New shower valve compatible with your plumbing system
  • Replacement pipes (if necessary)
  • Fittings
  • Solder or PEX connectors
  • Repair sleeve or coupling for unexpected pipe damage
  • Safety gear (like gloves and safety glasses)

The price range for these materials can vary widely depending on brand, material quality, and specific features. For a standard shower valve replacement, you could expect to pay $200 to $280 for the valve. High-end or specialized valves with advanced features may cost $500 or more. Pipes and fittings can cost $20 to $100, depending on the materials used (for example, copper, PVC, or PEX).

Labor

Labor can account for a significant portion of the project’s overall expense and vary depending on the job’s complexity, local labor rates, and the plumber’s experience level.

On average, homeowners can expect to pay $375 to $450 for labor to replace a shower valve, including time for planning, buying materials, preparation setup, and post-project cleanup. However, complex installations or situations requiring additional plumbing system adjustments may increase labor costs. A good practice is to obtain multiple quotes from reputable plumbers to support a fair and competitive price.

Preparation costs are also a factor. Check with your plumber about whether they bill for prep tasks like turning off the water, dismantling the old valve, and assessing the condition of the existing plumbing. You’ll also want to get estimates for potential drywall repair in case the replacement calls for some wall adjustments where the new fixtures are installed and in surrounding areas.

DIY vs. Hiring a Pro for Shower Valve Replacement

For experienced DIYers with plumbing experience, it may be possible to swap out existing shower valves. However, there are exceptions. For example, an older shower valve could be more complex, so replacement may best be left to professionals.

Professional Shower Valve Replacement

Hiring a professional for this task could cost $100 to $300 for the valve replacement, not considering prep, cleanup, and more challenging replacements requiring drywall repairs. So, you’ll need to consider whether your project budget allows for the support of a certified plumber or if your skills will enable you to DIY.

DIY Shower Valve Replacement

You may be able to replace the entire shower valve yourself. Still, hiring a professional plumber is generally recommended; a broad range of tools and materials are required for the job. In addition, particularly with older plumbing systems, you’ll need to understand how those systems integrate with newer systems so that you create tight seals that don’t leak.

If you attempt the job yourself, make sure you have the proper supplies.

When Can You Use Your Shower Again?

A critical question is when you can expect to use your shower again, especially if it’s the only one in the house. In most cases, you can take a shower after the replacement is completed and the materials are dry. This includes the fitting and curing of materials, which may take varying amounts of time depending on the materials used — anywhere from a few hours toa few days.

Follow any specific instructions your plumber provides about the curing time of the materials used and when it’s safe to resume regular use of the shower.

Elevate Your Shower Experience with a Valve Replacement

Whether you choose the DIY route or hire a professional plumber, you’re invesing in your home’s comfort and functionality. No more cringing at the sound of a dripping faucet or bracing yourself for an icy or scalding surprise in the shower. In the world of home ownership, this change may be for the better.

So, savor the feeling of that warm, steady stream of water and pat yourself on the back for a job well done.

Home MaintenanceUncategorized February 2, 2025

How To Remove Paint (from Almost Anything)

How To Remove Paint (from Almost Anything)

By: HouseLogic

Now you’ll be ready to have a paint-removing party for every nook and cranny in your home.

 

Paint removal can be tricky, particularly in older homes, on ornate fixtures with many layers built up over the years, or in hard-to-reach spaces. Despite the potential challenges, a fresh coat of paint could make you happier, according to the National Association of REALTORS® 2022 Remodeling Impact Report Whether the project involved repainting just one room or the entire home interior, homeowners reported a joy score of 10 out of 10.

Regardless of the type of paint, where it has been applied, or the materials the paint is applied to, there’s usually a way to get good results. Learn more about paint removal, ways to simplify the process, and situations when it’s best to call in the pros.

When to Remove Paint

If you’re looking for a perfect finish in your home, removing paint before you reapply a new layer will usually produce the best results. To remove paint from surfaces with chipped, peeling, bubbling, or water-damaged paint, you’ll need to clean them. Chipped and peeling paint often means the paint is old. However, bubbling or water-damaged paint may result from dampness. Removing water-damaged paint should be your first step in investigating whether you’ll need to deal with a more severe problem, like mold or a leak.

Removing paint isn’t always the best option. For example, you can often repaint a well-maintained plaster wall without removing existing paint. However, if paint needs to be removed, you should understand the surface and the type of paint in question so you can take the most effective approach.

Lead Paint Removal

You’ll need to be especially careful if you’re removing lead-based paint, which is toxic when inhaled. Today, lead paint is banned in the U.S. because of its high toxicity. However, some items may contain lead paint, particularly in older houses built before 1940 and as late as 1978. An easy-to-use lead paint testing kit can help you identify lead paint in your home.

Since exposure to lead paint poses serious health risks, removing it can be tricky for an amateur. It’s best to hire a professional for the job.

Cost of Removing Paint

Since there are many different types of paints, substrates, and materials, paint removal costs can vary dramatically. However, expect to pay $5 to $11 per square foot for paint removal. For example, a 125-square-foot room may cost $489 to $1,183 in labor, $125 to $142 in materials, and $10 to $14 for waste removal.

How to Remove Paint

Most paint removal techniques are simple when you’re dealing with small surface areas. In some cases, such as when dealing with chemical paint removal or large areas of paint removal, it’s best to turn to a professional.

Additionally, remember that you’ll encounter many different types of paint depending on the substrate or item the paint is adhered to. Learning about these different types will help you decide the best removal method.

Let’s look at how to remove paint from some common household materials.

How to Remove Paint from Walls

Most walls are finished with plaster, and paint is added on top. If the plaster is in poor condition, you may want to replace it and avoid the paint removal process entirely. If the plaster is in good shape, but the paint is peeling, you can use a heat gun and scraper to remove the paint. You can remove any stubborn areas with an electric sander or chemical removers.

How to Remove Paint from Wood

Latex paint is the most popular choice for wood. An electric sander is often the best way to remove any paint from a wooden surface. You’ll probably first need to sand off any varnish used to protect the finish. Once you’re through with this step, you’ll start seeing the original wood grain creep through.

In addition, you might try chemical paint removers. Take care when using these products to prevent damage to the wood and harm to yourself. Wearing personal protective equipment (PPE), safety goggles, and a mask is essential. Heavy work gloves help too.

How to Remove Paint from Concrete

Removing paint from concrete can be tricky because the surface is rarely uniform. An effective approach is to use a power washer, particularly if the paint is already flaking away from the surface. The power washer can create enough pressure to blast away the paint, and you can loosen any particularly stubborn areas with a wire brush or chemical paint removers.

How to Remove Paint from Brick

Painting brick is a problematic practice that could damage your home. However, if you have painted brick and want to restore it to its former glory, prepare to spend some time and effort. Power washing is the way to go. Sandblasting is also an option, but if you use these methods, you’ll likely need to repoint the mortar and possibly replace badly damaged bricks.

How to Remove Paint from Metal

Removing paint from metal can be difficult. Many paints applied to metal items are designed to be highly durable, because the items are often in exterior settings. The items may be powder coated, with a thick finish that resists chipping, scratching, fading, and other damage.

Removing this type of metal paint will require a metal paint remover or chemical bath, something that only a professional should do. These commercial paint strippers may contain caustics, acids, or solvents and require specialist equipment and PPE to remove the paint safely.

Other types of metal paint found on fences or garage doors, or in different areas of the home can usually be removed with a combination of chemical removers, heat guns, and sanding. Depending on the material, you may be able to work with a paint stripper designed for household use from a home improvement store.

Removing Paint: Other Household Materials

Here are some additional paint removal projects you may need to deal with.

Removing Paint from Carpet

Generally, when removing paint from a carpet, you can use natural paint removers, like household soaps and other chemical-free products. However, a more advanced paint remover method may be necessary depending on the age of the stain and the type of paint. For example, water-based or latex paints are easier to remove from carpet, but acrylic and oil paint spills may require more work.

Whether you’ve recently painted a room in your house or you’re trying to breathe fresh life into an old carpet, removing paint stains is sometimes possible. Importantly, if the paint is still wet, remove it right away; old paint drips may be harder to remove.

  • Water-based paints: Mop up the stain with warm water and soap.
  • Oil or plastic-based paints: Work with stains while wet, scrape up any dried paint, and use gentle solvents for anything remaining.
  • Acrylic paint: If the stain is old, scrape off any dried paint off. Then, scrub the stain with mild detergent and water and blot with a clean cloth to absorb the color and solution. For a fresh paint stain, blot the excess paint, and then scrub with a mild detergent solution.

With oil or acrylic paint stains, you may be tempted to reach for paint stain removers and solvents such as hydrogen peroxide or acetone. These chemicals can bleach or damage the carpet material. Consider a patch test on a discreet corner of the carpet before applying any chemical cleaning agents directly to your carpet.

Removing Paint from a Fireplace

If you have a painted fireplace, you can remove the paint, but it can be a challenging process. Much like removing paint from brick, removing paint from a fireplace can damage the brick itself. Usually, it’s best to hire a professional so that they can also repair any damage.

Tips for Effective Household Paint Removal

Removing existing paint is often necessary to prepare your home for a fresh coat of paint. But this seemingly simple task may require considerable know-how. Before embarking on a project, consider these tips.

  • Consider the surface, the type of paint, and the skill level needed to effectively strip paint for a project.
  • Don’t hesitate to contact a professional for tricky surfaces like brick.
  • When DIYing, use the proper safety equipment and follow safety best practices.
  • Remember that solvents and paint strippers can impact the surface you’re working on. Seek advice from a professional regarding which paint strippers will be most effective for your project.

Whether tackling minor touch-ups or significant remodeling projects for upcoming resale, the proper techniques and tools can help you remove unwanted paint and create the foundation for a fresh paint job and a whole new look.

Home Upgrades February 1, 2025

How to Add Value and Beauty to Your Front Yard Landscape

How to Add Value and Beauty to Your Front Yard Landscape

By: Melissa Dittmann Tracey

These 12 front yard landscaping ideas can elevate your home’s curb appeal and value, plus your enjoyment.

 

If you’re like most homeowners, you’re squeezing more out of your outdoor space but overlooking a key area: the front yard. We’ve packed our backyards with outdoor kitchens, play and lounging areas, firepits, and gardens. In the process, we’ve unintentionally missed out on front yard landscaping improvements. Both the numbers and the experts support the value of upgrading your front yard landscaping.

For starters, those improvements can add curb appeal and value to your home. More than half of homeowners — 57% — believe that beautiful landscaping and exteriors can increase a home’s resale value by at least $20,000, and 16% say the increase can be more than $50,000, according to a 2023 survey by Thumbtack and Nextdoor.

An outdoor landscape upgrade provides an estimated return of 100% wheoutdoorn you sell, according to the National Association of REALTORS® 2023 outdoor “Remodeling Impact Report.” The survey defined an upgrade as adding a natural flagstone walkway, two stone planters, several flowering shrubs, a deciduous tree, and mulch.

“The front yard creates the first impression of your home,” says Janet Loughrey, a contributor to “Garden Design” and a garden photographer. “There are many ways to repurpose a front yard into a beautiful and functional space for relaxing, entertaining, or recreation.”

12 Ways to Upgrade Your Front Yard Landscaping

Here are ideas to inspire a new and improved view of your front yard:

#1 Spotlight the Front Porch

Potential home buyers rank the front porch as one of the top home features they want in their next home, according to a 2024 survey from the National Association of Home Builders. Showcase it as a place to relax or connect with neighbors by providing seating areas, such as Adirondack chairs, a bistro set, a lounger, or a porch swing, Loughrey suggests.

Embellish the porch with flowery hanging baskets and use potted flowers in bursts of color next to the front door to “guide people’s eyes to the core of the home and in providing a welcoming look,” says Jackie Mosher, co-founder of Dzinly, a Royal Oak, Mich.-based company that helps homeowners and real estate professionals digitally design exteriors.

#2 Play Up Pathways With ‘Entangled Design’

An on-trend front yard idea is to channel “entangled design” with grass in-between pavers. “Whether driven by aesthetic requests or as a byproduct of maintaining onsite drainage, we’re seeing increased interest” in this, according to the “2024 U.S. Houzz Home Design Predictions” report from the home remodeling site Houzz. The design offers a more natural look that softens up pathways by breaking up large expanses of a hardscape.

#3 Move the Firepit to the Front

Firepits aren’t just for the backyard. Homeowners are moving them to the front. Carve out an area that can be surrounded by a group of low shrubs or a stone wall feature. “Anytime you add height around a space of at least 24 inches tall, it provides a sense of containment and natural coziness,” Mosher says.

#4 Light Up Walkways

Add lighting along walkways for safety and nighttime ambience. Accent both sides of the porch, for instance with boxed lanterns in a black or antique bronze, Mosher suggests. Use spotlights pointed up at the house to highlight the architecture and up-lights on your favorite plants or trees. (Tip: Use solar-powered spotlights to bypass extra wiring costs.) Also, hang an oversized hanging pendant or chandelier above the front door. Pick a fixture about one-third or one-fourth the size of the front door, including the trim, Mosher recommends.

#5 Decorate Window Boxes

Dress up your home’s colors and architecture year-round with boxes filled with seasonal flowers, fitted along the bottom ledge of outside windows. Use three different types of flowers: greenery, a taller plant in the center, and a colorful accent flower, Mosher says. Not every window needs a flower box. Maybe it’s just the large picture window or the windows on a second story, she notes.

#6 Consider Waterwise Landscapes

With water shortages growing, particularly in drier climates, more homeowners are ditching all-grass lawns. “We’ve seen many homeowners incorporate a mix of paving stones and artificial turf to create a clean, polished look that’s modern and easy to maintain,” says Aaron Brundage, landscaping expert and director of operations at System Pavers in Syracuse, N.Y.

There has been an uptick in xeriscaping, which is designed to reduce or eliminate water needs — for example, by using rocks, gravel, and native plants, reports The Plan Collection, a home and floor plan company. They are also seeing more wildscaping, which focuses on native landscaping that creates a habitat for bees, birds, and small animals.

#7 Add a Get-Together Space

No front porch? No problem. You can still create a porch feel. Pave a stone courtyard to accommodate patio furniture and for entertaining, Brundage says. “A walkway with a small pergola creates an instantly inviting feel that will make guests feel welcome.”

#8 Balance Privacy and Curb Appeal

With a front yard, “there’s a desire for privacy, yet an opposing desire to allow some of the home’s architectural elements to remain visible from the street,” says Jeremy Martin, CEO at Willow Gates Landscaping in Mohnton, Pa. Decide on any areas you want to shield. To block car traffic, consider placing trees in the corner of the front yard. “This allows the home to remain visible, but the viewing window is so short that passersby really can’t observe many details,” he says. “If the primary need is privacy from foot traffic, a more continuous hedge may be needed. A fence may work, but in the front yard is often limited to three feet or four feet high by local codes and ordinances.”

#9 Get Creative With Front Yard Garden Ideas

Don’t just tuck everything into a front yard flower bed. Use vertical planters, especially for a vegetable or herb garden. Lush greenery can comprise a living wall, dressing up an otherwise ordinary wall and adding privacy. Metal trellises and arbors can add height to a landscape. Consider a trellis or arbor covered with plant climbers like roses, clematis, or fragrant honeysuckle, for a welcoming front entrance, Loughrey says.

Spruce up a front yard garden by adding seating areas, like a bench. “These seating areas add dimension to a home and provide a charming look,” Mosher says.

#10 Incorporate Rocks (but Not Too Many)

River rocks or crushed gravel are lower maintenance alternatives to mulch. However, they’re pricier to install, don’t enrich the soil, and create a “hard” surface look, Martin says. Avoid using too much river rock and consider using plants with soft, flowing foliage, he adds. Also, boulders nestled within a landscape can “complement the home. “Boulders also work well to ease grade issues without using a block retaining wall.”

#11 Weave in Water Features

“Adding a water feature can boost curb appeal while bringing an upscale feel to front yard get-togethers,” says Brundage. “Water fountains also are great for blocking background noise, such as traffic or noisy neighbors.” You could install a large, two-tier fountain with cascading water as a focal point or incorporate a cast stone fountain as a small landscape accent. But think about added maintenance and electrical costs (the change could add $20 to $150 a month to household bills, according to Angi estimates. For low-cost options, consider solar-powered outdoor water fountains.

#12 Choose Plantings With Multiseason Appeal

“Choose plant varieties that have multiseasonal attributes such as colored leaves, flowers, berries, bark, and fall color,” Loughrey suggests. “Use evergreens and plants that bloom at different times for year-round color.”

Martin’s picks for trees: dogwoods, redbuds, and crab apples for their colorful blossoms. He also likes magnolias, such as the stellata (which tends to form as a large shrub rather than a tree, reaching about 15 feet tall); saucer magnolias (with vibrant colorful, spring blossoms); and the sweetbay magnolia, with fragrant, white flowers in the summer and large, red fruit in the fall.

Evergreens add greenery and privacy. Beware white pines and Norway spruce, though. They can reach up to 50 feet and overwhelm a yard, Martin says. Choose more-compact varieties, like the Vanderwolf pine (about 20 feet tall); the Red Beauty (about six feet wide and 10 feet tall); the Dragon Lady (about 12 feet wide and 20 feet tall); and the Nellie Stevens and Thuja Green Giant (both up to 15 feet wide and 25 feet tall).

6 Front Yard Landscaping Mistakes to Avoid

We all want to avoid having to undo any landscaping missteps or living with an unhappy choice. Here are common mistakes and tips to steer clear of them:

  1. Overpacked design: “Too many features or sculptures can make a space feel chaotic,” says Joe Raboine, vice president of design at Oldcastle APG in Atlanta. Choose your focal area (for example, the front porch, the garden, or the firepit), and build your front yard around it.
  2. Too close to home: Avoid placing tall shrubs or trees near the home, Martin says. “This can lead to issues with walkways heaving, blocking light to windows, and leaves ending up in roof gutters.”
  3. Blocking views: Avoid tall continuous plantings across the entire front property boundary, Martin says. “While this may offer a private front yard, it often detracts from the home’s appearance. When it’s time to sell your home, you don’t want prospective home buyers to think they’re entering an overgrown jungle that will cost thousands of dollars to control.”
  4. Off-scale: “When adding plants, seating, water features, and accessories, keep them in scale,” Loughrey says. “A small bistro table and chairs are more in scale with a front yard than a large patio set, which is more suited for the back yard.”
  5. Too much of the same thing: Avoid solid hedges of a single plant. “If one plant in the hedge dies, it can be very tough to get a matching plant that’s a similar size,” Martin says. “A mixed hedge will be more forgiving and flexible in the long term.”
  6. Beware the rules: Check if your neighborhood’s homeowner’s association or city has any rules for lawns, structures, or other features that can be viewed from the street. A landscapes is costly to install; you don’t want to have to rip it out.

If you really want to use every inch of your home’s outdoor space, give your front yard some extra love and attention. Your efforts will pay you back immediately with more beauty to look at and experience and prepare you for more curb appeal and returns when it’s time to sell.

Finance January 31, 2025

How to Avoid Capital Gains Tax on a Home Sale

How to Avoid Capital Gains Tax on a Home Sale

By: Jeffrey Steele

Published: March 1, 2024

When your home value goes through the roof, you may end up owing capital gains tax when you sell. Here are tips to limit tax liability.

 

Most homeowners hope for a substantial increase in home value – and these days many are achieving it when they sell their primary home. But that appreciation can come with a thorny issue: capital gains tax owed when they file their tax returns after selling. If you’re in that situation or anticipating it, you can take advantage of a number of strategies to pay lower capital gains tax on real estate.

Understanding the Capital Gains Problem

Many homeowners who purchased their homes long ago have seen huge gains in the value of their residences. When they ultimately sell their houses, the gain may extend beyond the federal tax law’s maximum exclusion amounts on capital gains of $250,000 for single filers and $500,000 for married couples. That can leave the sellers on the hook for a large capital gains tax on the sale.

“The problem is that in 1997, when the maximum exclusion levels were added to the tax code, they were not indexed to inflation,” says Evan Liddiard, CPA, director of federal tax policy for the National Association of REALTORS®. So, the limits we see today are still the same as they were in 1997, when these were big numbers and virtually no one went over them. Today, because of inflation, gains of much more than $250,000 or $500,000 are not uncommon, so many people go over, especially in higher-priced markets.”

Take the Tests to See if You Qualify for Exclusion

To qualify for the exclusion, you must satisfy tests that you’ve lived in your house for at least two of the last five years and have owned it for at least two of the last five years, says Jack McGuff IV, owner of McGuff Financial, based in Pearland, Texas. If you don’t meet these requirements and haven’t yet sold your home, you might consider delaying a home sale until you’ve satisfied the necessary use and ownership tests, he adds.

If you rented out your primary residence for a period before a sale, however, you may lose a portion or all of the exclusion, McGuff continues. That’s because the property would be considered a rental property for tax purposes.

How Cost Basis Factors into Capital Gains Tax

You can think of cost basis in real estate as the total cost of buying the property. Consider it as a baseline, says Quicken Loans: When you sell the property, the cost basis is subtracted from the net sales price to determine capital gains tax liability. That’s why you should document the cost basis of your home over time.

To calculate the cost basis of their homes, owners typically start with the purchase price. The cost basis rarely stays the same over time, and once it’s changed, it becomes the adjusted basis. Several factors can increase or decrease the adjusted basis, says McGuff.

Increases in adjusted basis can result from:

  • The cost of additions and improvements to the house
  • Money spent to restore the property after damages or loss
  • Legal fees incurred in relation to the property

Decreases in adjusted basis can result from:

  • Receipt of insurance payments due to a casualty loss or theft
  • Tax credits for home energy improvements
  • Depreciation from renting out all or a portion of the home

If you sold your primary home last year, there’s little you can do to avoid capital gains tax liability when you file taxes this April, Liddiard says. “If [a homeowner] sold their house and had a gain over the exclusion amount, they’re going to pay taxes. If they have some potential capital losses pending, these might offset the gains if they took the losses in the same year. But most people are not walking around with huge unrealized capital losses.”

Capital Gains Tax Strategies for Those Planning to Sell in 2025

If you’re planning to sell your home in 2025 and believe you may have a large enough gain to trigger a capital gains liability, you can consider these three strategies:

Tax Loss Harvesting

This involves the sale of securities at a loss to offset capital gains taxes owed on profits, says Paul Miller, CPA, founder of Miller & Company, an accounting firm based in Queens, N.Y. “Of course, any harvested losses from previous years that have not been offset by gains will be applied against the current year gain,” McGuff says. “This highlights the importance of regular tax-loss harvesting in your after-tax nonretirement investment accounts throughout the year.”

Contribution to a Traditional IRA

Another option would be to contribute to a traditional IRA to reduce taxable income, subject to contribution limits and deductibility phaseouts, says McGuff. “If an individual is part of a high-deductible health care plan, making a contribution into their health savings account would also reduce taxable income.”

Donation to a Qualified Charitable Organization

Charitably inclined individuals might consider donating cash or appreciated property to a qualified charitable organization, potentially providing a tax deduction to help offset that tax year’s taxable income. Deductibility depends on the type of charity and is also subject to a percentage of the taxpayer’s adjusted gross income. “Any unused charitable contributions can be carried forward for five years,” McGuff says. “Unfortunately, many taxpayers are forced to bite the bullet if they have not utilized any of these strategies in a timely fashion.”

Consider Tax Changes for 2025 Tax Year

If you’re planning to sell your home, consider tax changes initiated for tax year 2025, McGuff says. For example, the Qualified Charitable Distribution cap has been indexed for inflation and now stands at $108,000. This change permits owners of IRAs who are 70 and a half or older to transfer up to $108,000 in 2025 from their IRAs directly to a qualified charity and avoid income tax on those amounts. “These amounts will count toward the required minimum distribution for the respective tax year,” McGuff says.

In addition, the elective deferral limit for 401(k), 403(b), 457(b), and Roth 401(k) plans now stands at $23,500, with a catch-up contribution of $7,500 permitted for those 50 and older. IRA contribution limits remain at $7,000 for 2025 with a $1,000 catch-up contribution for those 50 and older. Deductible contribution limits to health savings accounts have also increased from $4,150 to $4,300 for singles, and from $8,300 to $8,550 for families. HSA holders 55 and older can contribute an extra $1,000 to their HSAs.

Also in 2025, the IRS increased the standard deduction by $800, to $30,000, for married couples filing jointly, plus $1,600 for each spouse 65 and older. The standard deduction is now $15,400 for single filers and $17,000 for singles 65 and older, McGuff says.

Liddiard explains that NAR and other stakeholders are supporting raising the maximum capital gains exclusion levels by backing the More Homes on the Market Act, which is expected to be re-introduced in the House early this year. The bill would double the tax exclusion on the gain from sale of a principal residence and require future annual inflation adjustments to the amount. “It’s an uphill battle to get that passed, because the problem is not as serious in all parts of the country,” he says.

For now, if you’ve experienced a significant increase in the value of your primary home and plan on selling, develop a capital gains strategy as soon as possible before selling your home. And be sure to track changes in your adjusted cost basis. Depending on the amount involved, you might also consider hiring a tax advisor.

Finance January 30, 2025

6 Tips for Maximizing ADU or Rental Property Tax Deductions

6 Tips for Maximizing ADU or Rental Property Tax Deductions

By: Jeffrey Steele

Published: April 10, 2024

Find out whether rental property tax deductions are worth your effort.

 

Some homeowners have generated income by creating rental space in their homes or adding an accessory dwelling unit — a smaller independent living space on their home’s lot. Their motive? Benefits like offsetting their mortgage or maintenance costs or accommodating a multigenerational living arrangement. If you’re curious about the idea, you’ll want to weigh the considerations for rental property tax deductions.

Rental Property Tax Deductions Require Separate Spaces

Whether you’re thinking about renting out a portion of your home or building and renting out an ADU, you must have a full division between your space and your tenant’s to claim rental property tax deductions, according to Evan Liddiard, CPA, director of federal tax policy at the National Association of REALTORS®. If the tenant uses the rented space exclusively, you can allocate the expenses — including depreciation, utilities, and property taxes — between the rental and nonrental areas in the house.

Here’s how it works. “You can’t spend time in the same space as your tenant and call it a rental unit,” Liddiard explains. “In other words, if someone moves into a room in your house and shares your kitchen, you have a roommate or a guest as opposed to a tenant. On the other hand, if the tenant moves into your basement, where there is a kitchen and bathroom, and you leave them alone and they leave you alone, you can apportion your home between the rental and nonrental portions. That is important for tax purposes: The rental unit must be used exclusively by the renter and not by the owner.”

An Airbnb Produces Short-Term Rental Income

What about something that might require less commitment, like an Airbnb? The tax considerations for long-term rental of space in a home and Airbnb rental are different, says Shri Ganeshram, founder and CEO of San Francisco-based Awning, which helps customers buy and manage short-term and long-term rentals. “Long-term rental income is subject to federal and state taxes, while Airbnb rental income is considered short-term rental income and may be subject to state and local taxes,” he says. In choosing which way to go, “the homeowner should be aware of the tax implications of both types of rental income.”’

Get Tax Help for Owner-Occupied Rental Property

Experts recommend homeowners assess the financial pros and cons from a tax perspective before moving ahead with an owner-occupied rental.

“It wouldn’t be a bad idea to consult a lawyer, and it would certainly be smart to consult a tax adviser, so you know how to treat any income and expenses on your tax return,” Liddiard says. The only possible exception would be if the potential landlord “really knows their way around taxes,” he adds.

For instance, if a homeowner wanted to enclose a stairway to forge a division between their home and the rental property, they should seek the guidance of a tax adviser, Liddiard says. They could hire a lawyer to consult about risks and aspects of the lease agreement and the tax adviser about how to treat income and expenses on tax returns.

Rental Property Depreciation Deduction for Wear and Tear

Homeowners who want to rent parts of their homes often wonder whether they can get tax relief to offset wear and tear on the rented portion. “That’s where the depreciation deduction would come in,” Liddiard says. You start with the cost of the house, not counting the land, allocate that cost between the rental portion and the nonrental portion, and you can depreciate the rental portion over 27 and a half years.”

Liddiard offers a hypothetical example: A homeowner might have paid $250,000 for a house, with the land portion worth $50,000. Because land isn’t depreciable, $200,000 is considered the depreciable “basis” before the allocation between the homeowner’s portion and the renter’s portion.

Assuming the basement is the rental unit, and it comprises half of the home’s total square footage, $100,000 is allocated for the rental. That $100,000 would be divided by 27.5 years. That’s the amount deductible as depreciation on the rental property if it had been rented or offered for rent for the full year from Jan. 1 through Dec. 31.

Be Aware of Capital Gains

“The catch is, when you sell the house, the amount you’ve taken in depreciation will lower your basis and increase your gain,” Liddiard says. “You will have to pay taxes on that gain when and if you sell the property. This is because the cost basis of your home has gone down with that depreciation over time. As a result, you have more profit, and that portion of profit allocated to the rental unit will be taxed.”

Keep Detailed Records of Rental Income and Expenses

If you pursue an owner-occupied rental, you’ll need to keep exact and detailed records of all rental income and expenses. That will help you accurately report your rental income on your tax returns and support any deductions you take for expenses.

Those records may include rental agreements, receipts for expenses, a log of the number of days the space was rented, and a record of all rental payments received, says Nathan Clare, founder of Buying Jax Homes in Jacksonville, Fla. “Additionally, the homeowner should keep track of any improvements made to the rental space, as these may be deductible,” he adds. Proper recordkeeping will help the homeowner comply with tax laws and can support their tax filings if audited by the IRS, Clare explains.

Rental income, whether from renting out part of your home or an ADU, can help you manage mortgage and maintenance costs. A good first step is understanding the tax requirements and consulting experts as needed so that you’ll make the right decisions.

This article provides general information about tax laws and consequences, but shouldn’t be relied upon as tax or legal advice applicable to particular transactions or circumstances. Consult a tax professional for such advice.

Home Maintenance January 29, 2025

Septic Tank Pumping 101: A Comprehensive Guide for Homeowners

Septic Tank Pumping 101: A Comprehensive Guide for Homeowners

By: HouseLogic

Published: June 3, 2024

Who knew pumping the tank every few years could be one of the trademarks of home ownership?

Septic tank pumping is a crucial maintenance task for your home and can keep you from dealing with stinky smells and toilet troubles. Understanding the basics of septic tank care is key to maintaining a functional and efficient system. This guide provides an overview of septic tank pumping, including what you need to know from the costs and procedures and how often to have your tank pumped, so your system will stay in tip-top shape.

How Does Septic Tank Pumping Work?

Think of your septic tank as a hardworking, underground hero that quietly manages your home’s waste day in and day out. Septic tank pumping involves removing the accumulated sludge from the bottom of the tank using a vacuum truck. Glamorous, right?

This process helps prevent system backups, unpleasant smells, and potential groundwater contamination. A professional technician will locate and uncover your tank’s access lids. Using a heavy-duty hose, they will vacuum out the contents of your tank. This includes all the solids that have settled at the bottom, the lighter scum floating at the top, and the liquid in between. The waste is then transported to a treatment facility, where it’s processed and disposed of properly. It’s a dirty job, but it’s necessary to keep your household running smoothly.

How Often Should I Pump My Septic Tank?

It’s typically recommended to pump your septic tank every three to five years, although the exact frequency depends on the size of your tank and household usage. If you have a big family or household, you might need to pump more frequently, since more people means more… well, contributions to the tank. Plus, consider usage patterns. Are you a laundry-loving home, and your dishwasher is running a marathon every week? Heavy water usage can mean more frequent pumping. If any of your sinks have a garbage disposal installed, that can also determine pumping frequency.

Septic System Maintenance Schedule

In general, it’s a good idea to consider the following timelines in septic system maintenance:

Septic System Maintenance Schedule
Septic Tank Inspection Every one to three years
Septic Tank Pumping Every three to five years
Septic Tank Replacement Every 30 to 50 years

These are just guidelines; your septic system is as unique as your home, so keep an eye on it and adjust as needed. Remember, when in doubt, calling in the pros can save you from a stinky situation.

Signs It’s Time to Pump Your Septic Tank

Outside of your regularly scheduled septic maintenance, your septic system might tell you it needs a little help. A few signs indicate the tank needs to be pumped. Here’s a quick rundown of the SOS signals your tank might send:

  • Soggy lawn: Puddles in your yard when it hasn’t rained? Your septic tank might be crying overflow.
  • Gurgling pipes: The soundtrack of gurgling pipes isn’t the next hit single; it’s a sign your septic system is off-key.
  • Slow drains: If your sinks and showers are taking their sweet time to empty, your tank might be whispering for help.
  • Unpleasant odors: Catch a whiff of something foul in the yard? That’s not just nature’s perfume; it could be a septic flare signal.

Ignoring these signs could lead to a full-blown septic backup. So, keep an eye (and nose) out for them and maintain a good pumping schedule.

The Price Tag: Cost of Pumping a Septic Tank

The cost to have your septic tank pumped isn’t as scary as you might think. On average, homeowners can expect to shell out $300 to $600 for regular maintenance septic pumping, though prices can sometimes be as low as $200 for a small tank (750 gallons) and as high as $700 for a larger tank (1,750 gallons.)

Aside from tank size, prices vary based on factors like location, and accessibility, so get a quote from a local service provider for accurate pricing.

Investing in routine pumping is a smart move for your wallet and your home’s health. While the initial cost of preventive maintenance might make you wince, it beats the to repair or replace your septic system.

A Happy Septic System: Best Practices to Maintain a Healthy Septic System

Ready to keep your septic system well cared for? Follow these tips and avoid pitfalls to keep your household running smoothly.

5 Tips to Keep Your Septic System in Good Shape

Here are several best practices to keep your septic system functional.

  • Conserve water: It isn’t just good for the planet; it’s a boon for your septic system, too. Less water means less strain, so fix leaky faucets and opt for water-efficient fixtures.
  • Spread out laundry day: Doing all of your washing at once could overload your septic system. If you spread out your laundry into smaller loads throughout the week, you can avoid flooding.
  • Schedule regular inspections: Septic professionals are essential to assessing tank conditions and identifying issues before they become major problems.
  • Skip the garbage disposal: While garbage disposals can make kitchen clean up easier, they wreak havoc on your septic tank, adding up to 50% more solid matter. If you have a garbage disposal, use it sparingly at most to avoid creating clogs.
  • Maintain the drain field: Keep your septic system thriving with drain field maintenance. The drain field is the part of the septic system where soil filters and cleans liquid waste to prevent pollution. Compacting the soil, using fertilizers, and saturating the drain field with water all reduce its efficacy. Marking the drain field can help you avoid missteps like driving over it, fertilizing the soil, or irrigating nearby. By paying attention, you may extend the lifespan of your system and prevent costly repairs down the road.

Common Pitfalls: What to Avoid for a Healthy Septic System

Now, let’s flesh out what not to flush if you have a septic system.

  • Non-biodegradable items. Think wipes, diapers, and the dreaded plastic. Avoid sending these items down the toilet at all costs. Keep coffee grounds, cat litter, and feminine hygiene products out of the drains, too.
  • Grease and oils. They’re slick, but not in a good way. These can accumulate in their solid forms and narrow the lining of the pipes, slowing the flow of wastewater.
  • Harsh chemicals. Bleach and heavy cleaners can wreak havoc on the microbial balance that keeps your septic system healthy. Follow your local guidelines for disposing of harsh chemicals to avoid issues.

Keeping Your Septic System Trouble-Free

A homeowner’s journey through the world of septic tanks doesn’t have to be murky.

With the insights and tips we’ve plunged into, you’re equipped to navigate the costs, procedures, and scheduling of septic tank pumping with confidence. Remember, regular pumping and maintenance can help your system stay in good working order. So, keep an eye out for those telltale signs, and lean into professional help so your septic tank will give you years of trouble-free service.

Home Maintenance January 28, 2025

Are Seamless Gutters Worth It?

Are Seamless Gutters Worth It?

By: HouseLogic

Published: May 24, 2024

The right rain gutters can protect your home and add curb appeal. Seamless and painless!

Traditional seamed gutters can spring leaks if they’re not resealed often enough. Seamless gutters are an effective and low-maintenance alternative that can solve your drainage problems while adding to your home’s curb appeal. They are the one-and-done drainage solution many homeowners are looking for.

Seamless gutters are manufactured from a single piece of metal. They only require seams at the corners and downspouts, and they don’t need to be resealed on an ongoing basis. Compare them to the types of gutters constructed of mass-manufactured precut sections that are assembled to form a drainage system for your house. The joints between sections are fixed with gutter sealant to prevent leaks and may need to be resealed periodically.

If you’re considering a gutter upgrade, you might explore seamless gutters, including the prices, installation, and benefits.

Types of Seamless Gutters

Gutters contribute to the curb appeal of your home, so choose a design that fits the overall aesthetic and type of home you have.

K-Style Gutters

With flat bottoms and backs, K-style gutters have an attractive, decorative front that resembles crown molding. This versatile style suits most homes.

Half-Round Gutters

Half-round gutters have a timeless look that’s ideal for older traditional or historic homes.

Fascia Gutters

Love your home’s minimalist look? Preserve those clean lines with a fascia gutter. This option is hidden behind a fascia board, so they’re largely unseen.

Box Gutters

Seamless box gutters have a clean and simple look that’s likely to appeal to contemporary homeowners. They also make a great functional choice because they’re durable and effective. But be prepared to unclog box gutters, since the design tends to create a catch-all for leaves, debris, and other scraps.

Choosing Seamless Gutters MateriaI

Unlike regular precut gutters, seamless gutters must be custom cut to fit your home. When having seamless gutters installed, you’ll first need to choose the appropriate materials.

  • Aluminum is lightweight and corrosion resistant.
  • Steel offers strength and durability.
  • Copper may be the best choice for someone seeking a distinctive look.
  • Vinyl is an economical option.

Installers will take measurements, craft the gutters, and attach them using hidden hangers, the spike and ferrule method, or hanging brackets.

How Much Do Seamless Gutters Cost?

You’ll pay more upfront for seamless gutters than conventional ones. However, since you’ll have less maintenance and gutter-cleaning upkeep you may save money in the long run. Here are some of the costs associated with a seamless gutter installation.

  • Materials: Vinyl is the best choice if you’re on a budget, because vinyl gutters can cost as little as $6 per linear foot according to pricing data from Fixr. Looking for more longevity and durability? Aluminum and galvanized steel gutters cost around $13 per linear foot. Luxury materials like copper cost around $33 per linear foot.
  • Labor: Since the gutters are custom created for your home, the design and style will impact labor costs. A tricky roof shape may mean more complex work and higher labor rates. Based on cost estimates from Fixr, the average labor cost to install seamless gutters is $600 to $1,050.

A large home, elaborate design, or difficult-to-work-with material may drive up the cost of your project. If you need to remove the existing gutters and dispose of the old materials, the cost can be $2 to $4 per linear foot and you’ll need to factor the cost into the project.

The Pros and Cons of Seamless Gutters

Are seamless gutters better than conventional ones? Let’s review the differences between standard gutters and seamless gutters before you decide.

Seamless Gutter Pros

  • Fewer leaks: No seams mean your gutters are less likely to drip or leak. This prevents water from pooling around your home and protects its foundation.
  • Less maintenance: Seamless gutters don’t need fresh gutter sealant every few years. They’re also less likely to have clogs and blockages even with irregular cleaning.
  • Longer life: Seamless gutters can last for years, even decades, longer than conventional gutters. Well-crafted copper gutters can have a lifespan of over 40 years, though less expensive materials like vinyl may not last as long.

Seamless Gutter Cons

  • More upfront costs: Like any other bespoke product, seamless gutters are more expensive than the mass-manufactured traditional option. Even cheaper materials are more expensive than most conventional gutters.
  • Repairs can be expensive: While cracks in regular gutters can be fixed by replacing a small section of the gutter, seamless gutter repairs aren’t as simple. You’ll have to replace an entire length of gutter, which can be pricey.
  • You’ll need professional support: Seamless gutters require precision, expertise, and professional equipment. While many people can DIY conventional gutters, seamless gutters should be left to the professionals.

Are Seamless Gutters Right for You?

The features of your home and your personal preferences will play an important role in whether seamless gutters are the right drainage option for you. Consider these factors:

  • Your budget: Can you afford to take on an expensive gutter upgrade? Are the materials you need affordable or on the expensive side? It can help to get quotes from a few contractors in your area to see what’s realistic for you.
  • The purpose of the upgrade: Most people choose seamless gutters for their longevity. They’re a great investment if you’re planning on living in your home for the long haul. Even if you intend to sell, installing seamless gutters may boost your home’s value by improving curb appeal and functionality. Consider seeking insight from a trusted real estate agent about return on investment and value of the project.
  • The weather in your area: If you live in a city or state that doesn’t get much rain, investing in seamless gutters may not be worth it. On the flip side, if you think you might have a drainage problem, seamless gutters can be a game changer.

Seamless gutters can be an elegant and functional addition to homes, but they may come at a higher-than-average price point. Consider your needs and budget as part of your decision.

Home Maintenance January 28, 2025

What do Septic Inspections Involve?

What do Septic Inspections Involve?

By: HouseLogic

Published: August 1, 2024

Keep up with your septic inspections – because nobody wants a septic surprise.

A septic system provides long-term, effective treatment of household wastewater. But if not maintained, it can fail and require expensive fixes and cause health risks. So, while they’re not the most glamorous part of homeownership, septic tank inspections can help keep your septic system running smoothly and protect your home. Plus, it can help minimize pollution.

Whether you’re a new homeowner trying to figure out if you need a septic inspection, scheduling your first one, or looking to review options for maintenance inspection, this guide will equip you with the basics to keep your septic system in top condition.

What is a Septic Inspection?

Like a wellness checkup, a septic inspection is a thorough examination of a septic system. This includes assessing the condition of the tank, pipes, and drainage field to certify proper function and compliance with health regulations. These inspections aren’t just a formality; they can help to avoid costly repairs down the line and to determine if it’s time to repair or replace your septic system.

What to Expect from a Septic Tank Inspection

Knowing how to prepare for and what to expect during a septic system inspection can help you check that the process matches your expectations.

Septic Tank Inspections: A Step-by-Step Guide

Initially, the inspector will review the history of your septic system, including any maintenance records you have. This provides a baseline for evaluating the current state of your system.

The inspector will follow these steps:

  1. Initial assessment: The septic inspector will review the septic system’s history and maintenance records.
  2. System location and access: Next, the inspector will locate and uncover access points to the septic tank.
  3. Tank examination: Along with checking the tank for leaks, corrosion, and levels of scum and sludge, the inspector will check if the tank needs to be pumped.
  4. Pipe and mechanism inspection: Next, the inspector will check the pipes and mechanisms for damage or blockages. They’ll also assess the condition of the septic tank effluent filter if your system has one.
  5. Drain field evaluation: Lastly, your inspector will evaluate the drain field’s absorption capability and look for signs of failure (such as standing water or improper drainage)
  6. Optional dye test: The inspector may conduct a dye test to detect leaks or system failures.

After the physical inspection, the inspector will discuss the findings with you. They’ll point out any immediate concerns or potential future issues.

Who Inspects Septic Tanks, and How Do I Prepare?

Typically, you’ll want to contact a licensed septic inspector or a professional septic service company to schedule an inspection. You can research septic inspectors online or find a list of professionals recommended by state authorities. Consider getting recommendations from local friends, family or neighbors for contractors who work with septic systems. Make sure to check an inspector’s credentials to see if they are certified and compliant with regulations. Membership in professional organizations such as NACHI, ASHI, or NAHI, is a good sign too.

Before the inspector arrives, you can do several things to support a smooth and efficient septic inspection process. Start by locating your septic system’s design records; these documents provide valuable information about the layout and size of your system.

If you’re planning to purchase a home, you may assume a septic inspection is part of your standard home inspection, but this isn’t always the case. Most home inspectors aren’t going to check if the septic system of your prospective home is running properly. You may need to pay extra for a simple visual inspection.

Aspiring homeowners are better off bringing in a septic inspector who’s properly qualified to check if the septic system is operating as it should.

Follow This Pre-inspection Checklist

Here’s a quick checklist to guide you:

  1. Locate and provide septic system design records.
  2. List any signs of system issues (for example, slow draining, odors).
  3. Clear the area around the septic tank and drain field.
  4. Refrain from pumping out the tank right before the inspection, as this can mask issues.

These steps will help you get an accurate assessment of your septic system’s health.

How Much Does a Typical Septic Inspection Cost?

The cost of a septic inspection can vary widely. Pricing depends on a few factors, including the type of system you have, how comprehensive you want the inspection to be, how accessible the tank is, and whether the system requires additional testing and urgency.

A septic system inspection costs an average $550, according to “Forbes.” A basic inspection may run $100 to $450. However, the factors previously mentioned can quickly drive up the total septic inspection cost.

A visual inspection differs greatly from a comprehensive inspection. A home inspector or homeowner can do a visual inspection of what’s above ground by looking for soggy ground or sniffing for bad odors (think raw sewage or excrement). But a comprehensive inspection goes underground and requires a licensed plumber, preferably licensed and certified in septic systems, says Charlie Bellefontaine, inspector at Chicagoland Home Inspectors.

“These specialists have to remove the septic tank’s concrete cap, which is usually buried in the dirt,” Bellefontaine says. They view the chambers to check the depth of the sludge, the scum, and the effluent, which is liquid waste or sewage discharge. Then they can do repairs or replacement, because they’re also installers, he adds.

Type of Inspection

Septic inspectors offer different levels of inspection. At the lower end of the price range are routine inspections that cover the basics while at the steeper end you get a more comprehensive inspection, sometimes using a camera.

  • Routine inspection: A simple inspection that usually involves a dye test for leaks and a visual inspection. You’ll likely pay between $200 and $250.
  • Basic inspection: This may include a dye test for leaks, simple system tests, a visual inspection, and measuring the scum and sludge layer. A basic inspection may cost you around $250 to $400.
  • Detailed inspection: Along with all the inclusions outlined in the basic inspection, a detailed inspection also includes a wastewater flow test, an audit of tank size, soil testing and pumping tests. Expect to pay between $400 and $700.
  • Camera inspection: In some instances, the inspector may not be able to easily identify the source of a problem. They may recommend using a camera to better understand what the system issues are. This could cost an additional $900.

Accessibility

If tanks and components are buried deep, requiring excavation equipment to access, or located in challenging terrain like marshes, slopes, or woodlands, specialized equipment and labor will be required. These tougher access jobs can drive up the cost of your inspection.

Additional Testing

Some owners want extra testing like dye tracing, pump/control verification, flow rates, or effluent sampling for contaminants. These add-on tests may make the inspection more comprehensive, but they come at a price. The fees can tack on $100 to more than $200 to the cost of a basic visual inspection.

Emergency Visits

Calling an inspector outside of business hours for a failed system or other suspected issues could generate higher weekend, night, or rush charges of $200 to 300 and up. You can minimize your risk of emergency septic problems and save the extra cash by scheduling regular, ongoing inspections. We’ll talk about how frequently below.

Septic Inspection FAQs

Let’s dive into the most common questions about septic inspections.

How Often Do I Need a Septic Inspection?

The Environmental Protection Agency recommends having your home septic system inspected every one to three years, depending on usage and local regulations. Check with your municipal health administration for specifics. If you have a complex septic system or a system with mechanical components, you may need more frequent inspections. Either way, consistent inspections help identify potential issues before they become major problems, potentially saving you from high-priced fixes and inconveniences.

How Long Does a Septic Inspection Take?

A septic inspection can vary based on factors like the size and complexity of your system. Generally, you can expect the process to take one to three hours. If the inspector finds issues, they may need extra time for troubleshooting and identifying the cause, but the time to keep your system running smoothly is well spent.

What are the Consequences of Not Inspecting My Septic Tank?

Neglecting septic tank inspections can lead to system failures, added expenses, health hazards, and environmental contamination from untreated sewage leaks. By catching leaks or failures early, inspections protect the surrounding soil and groundwater from contamination and you and your neighbors from potentially stinky or dangerous situations.

Can I Perform a Septic Inspection Myself?

Homeowners can do visual inspections. Giving your system a once-over from time to time is a good habit. But hiring a professional for a full inspection is advisable because of the technical knowledge and expertise, as well as safety concerns.

The Importance of Septic System Inspections

Septic tank inspections are a crucial aspect of maintaining a healthy home and environment.

Understanding what’s involved in an inspection, who performs it, how much it costs, and how often to schedule it can help you keep your septic system functioning properly. By keeping up with septic tank inspections, you’re not just staying ahead of the game; you’re keeping your home’s waste system in tip-top shape, giving you one less thing to worry about.

Home Maintenance January 27, 2025

Septic Tank Pumping 101: A Comprehensive Guide for Homeowners

Septic Tank Pumping 101: A Comprehensive Guide for Homeowners

By: HouseLogic

Published: June 3, 2024

Who knew pumping the tank every few years could be one of the trademarks of home ownership?

Septic tank pumping is a crucial maintenance task for your home and can keep you from dealing with stinky smells and toilet troubles. Understanding the basics of septic tank care is key to maintaining a functional and efficient system. This guide provides an overview of septic tank pumping, including what you need to know from the costs and procedures and how often to have your tank pumped, so your system will stay in tip-top shape.

How Does Septic Tank Pumping Work?

Think of your septic tank as a hardworking, underground hero that quietly manages your home’s waste day in and day out. Septic tank pumping involves removing the accumulated sludge from the bottom of the tank using a vacuum truck. Glamorous, right?

This process helps prevent system backups, unpleasant smells, and potential groundwater contamination. A professional technician will locate and uncover your tank’s access lids. Using a heavy-duty hose, they will vacuum out the contents of your tank. This includes all the solids that have settled at the bottom, the lighter scum floating at the top, and the liquid in between. The waste is then transported to a treatment facility, where it’s processed and disposed of properly. It’s a dirty job, but it’s necessary to keep your household running smoothly.

How Often Should I Pump My Septic Tank?

It’s typically recommended to pump your septic tank every three to five years, although the exact frequency depends on the size of your tank and household usage. If you have a big family or household, you might need to pump more frequently, since more people means more… well, contributions to the tank. Plus, consider usage patterns. Are you a laundry-loving home, and your dishwasher is running a marathon every week? Heavy water usage can mean more frequent pumping. If any of your sinks have a garbage disposal installed, that can also determine pumping frequency.

Septic System Maintenance Schedule

In general, it’s a good idea to consider the following timelines in septic system maintenance:

Septic System Maintenance Schedule
Septic Tank Inspection Every one to three years
Septic Tank Pumping Every three to five years
Septic Tank Replacement Every 30 to 50 years

These are just guidelines; your septic system is as unique as your home, so keep an eye on it and adjust as needed. Remember, when in doubt, calling in the pros can save you from a stinky situation.

Signs It’s Time to Pump Your Septic Tank

Outside of your regularly scheduled septic maintenance, your septic system might tell you it needs a little help. A few signs indicate the tank needs to be pumped. Here’s a quick rundown of the SOS signals your tank might send:

  • Soggy lawn: Puddles in your yard when it hasn’t rained? Your septic tank might be crying overflow.
  • Gurgling pipes: The soundtrack of gurgling pipes isn’t the next hit single; it’s a sign your septic system is off-key.
  • Slow drains: If your sinks and showers are taking their sweet time to empty, your tank might be whispering for help.
  • Unpleasant odors: Catch a whiff of something foul in the yard? That’s not just nature’s perfume; it could be a septic flare signal.

Ignoring these signs could lead to a full-blown septic backup. So, keep an eye (and nose) out for them and maintain a good pumping schedule.

The Price Tag: Cost of Pumping a Septic Tank

The cost to have your septic tank pumped isn’t as scary as you might think. On average, homeowners can expect to shell out $300 to $600 for regular maintenance septic pumping, though prices can sometimes be as low as $200 for a small tank (750 gallons) and as high as $700 for a larger tank (1,750 gallons.)

Aside from tank size, prices vary based on factors like location, and accessibility, so get a quote from a local service provider for accurate pricing.

Investing in routine pumping is a smart move for your wallet and your home’s health. While the initial cost of preventive maintenance might make you wince, it beats the to repair or replace your septic system.

A Happy Septic System: Best Practices to Maintain a Healthy Septic System

Ready to keep your septic system well cared for? Follow these tips and avoid pitfalls to keep your household running smoothly.

5 Tips to Keep Your Septic System in Good Shape

Here are several best practices to keep your septic system functional.

  • Conserve water: It isn’t just good for the planet; it’s a boon for your septic system, too. Less water means less strain, so fix leaky faucets and opt for water-efficient fixtures.
  • Spread out laundry day: Doing all of your washing at once could overload your septic system. If you spread out your laundry into smaller loads throughout the week, you can avoid flooding.
  • Schedule regular inspections: Septic professionals are essential to assessing tank conditions and identifying issues before they become major problems.
  • Skip the garbage disposal: While garbage disposals can make kitchen clean up easier, they wreak havoc on your septic tank, adding up to 50% more solid matter. If you have a garbage disposal, use it sparingly at most to avoid creating clogs.
  • Maintain the drain field: Keep your septic system thriving with drain field maintenance. The drain field is the part of the septic system where soil filters and cleans liquid waste to prevent pollution. Compacting the soil, using fertilizers, and saturating the drain field with water all reduce its efficacy. Marking the drain field can help you avoid missteps like driving over it, fertilizing the soil, or irrigating nearby. By paying attention, you may extend the lifespan of your system and prevent costly repairs down the road.

Common Pitfalls: What to Avoid for a Healthy Septic System

Now, let’s flesh out what not to flush if you have a septic system.

  • Non-biodegradable items. Think wipes, diapers, and the dreaded plastic. Avoid sending these items down the toilet at all costs. Keep coffee grounds, cat litter, and feminine hygiene products out of the drains, too.
  • Grease and oils. They’re slick, but not in a good way. These can accumulate in their solid forms and narrow the lining of the pipes, slowing the flow of wastewater.
  • Harsh chemicals. Bleach and heavy cleaners can wreak havoc on the microbial balance that keeps your septic system healthy. Follow your local guidelines for disposing of harsh chemicals to avoid issues.

Keeping Your Septic System Trouble-Free

A homeowner’s journey through the world of septic tanks doesn’t have to be murky.

With the insights and tips we’ve plunged into, you’re equipped to navigate the costs, procedures, and scheduling of septic tank pumping with confidence. Remember, regular pumping and maintenance can help your system stay in good working order. So, keep an eye out for those telltale signs, and lean into professional help so your septic tank will give you years of trouble-free service.

Home Maintenance January 26, 2025

How to Hire a Contractor — and Avoid a Home Remodeling Nightmare

How to Hire a Contractor — and Avoid a Home Remodeling Nightmare

By: Melissa Dittmann Tracey

Published: August 2, 2024

Learn from a homeowner’s experience and remodeling pros about what to do, and not do, in hiring a contractor.

Jody Costello was eager to begin a two-story addition to her 1940s home, including a new owner’s suite and an upper deck with a view of the San Diego skyline and waterfront. She gathered bids from four remodeling contractors, chose the middle-priced bid from a company that radio ads called the “No. 1 remodeling firm in San Diego” with “guaranteed customer satisfaction.” She thought she had done everything right.

But then came the shoddy work, water leaks, and mold. On top of that were regular failed inspections, mismeasured doors and windows, hard-to-reach contractors, a carbon monoxide gas leak that sent Costello to the ER, and home renovation costs that inched higher than her $150,000 budget.

Everything went wrong that could go wrong, she recalls. “ I remember standing in the hallway looking at the mess. A doctor had just ordered me to stay away from my home because of the mold, and I was thinking, ‘This is crazy.’”

Ultimately, Costello took her contractor to court to recoup some of the $240,000 in accumulated bills. She ended up with a settlement (for an amount she can’t disclose), but she was left with an unfinished project for years.

Costello learned a tough lesson: Hiring the wrong home remodeling contractor can cost you dearly. Now, as the creator of the “Contractors from Hell” website, Costello fields messages from desperate homeowners who’ve had similar experiences. She helps educate them about better protecting themselves.

“The foundation for a successful outcome is vetting to ensure you hire an ethical, competent contractor.” But many people trust a referral or online review, she adds. “You will pay the price if you don’t take the time to know fully who you’re working with.”

How to Find a Home Remodeling Contractor

Referrals — from neighbors, friends, or others —are a common source when looking for a remodeling contractor. Real estate professionals also recommend contractors and may offer extra assurance from their well-vetted network.

Before you hire a contractor, schedule three to five in-person interviews, gather bids, and thoroughly check the background of any you’re considering. “Google the contractor’s name and their business,” she says. “See what turns up and if they have any complaints or lawsuits” filed against them.

Check online reviews on Yelp, Angi, NextDoor, and elsewhere, but don’t base your decision only on those, cautions Josh Rudin, owner of ASAP Restoration in Tempe, Ariz. “Review sites are not all made equally, and not all reviewers are actually customers,” he says. “Some review sites let anyone post reviews about the company.”

Instead, Rudin recommends focusing on Better Business Bureau reviews and ratings. “Companies pay to be a part of the BBB, and when the customer complains about services rendered, the BBB has to do an actual investigation of the situation,” he says. “If the company has a bad BBB rating, this means they likely have failed to satisfy real customers who had real experiences.”

You can also find out whether a contractor you’re considering has been certified by an industry organizations. For example, certification by the National Association of the Remodeling Industry recognizes highly experienced remodeling professionals who are capable of planning and managing complex remodeling projects. NARI offers a consumer search tool at its site to find remodelers in your area who’ve also agreed to abide by NARI’s code of ethics for professionalism.

Questions to Ask a Remodeling Contractor

Erin Hybart, a real estate pro in Baton Rouge, La., helps investors flip houses. “Finding a good contractor is by far the hardest part,” she says. Hybart suggests that you explore these areas and ask the following questions to vet remodeling contractors:

 

Download as a PDF

Experience

  • How many properties have you remodeled/flipped?
  • How long have you renovated homes?
  • How did you learn this trade?
  • What do you specialize in?
  • What makes you different from other renovation professionals?

Licensing, Insurance, and Bonding

  • What type of license do you hold?
  • How much insurance do you carry, and what does it cover?
  • Does your insurance cover anyone you hire as a subcontractor?
  • Are you bonded?

Project Costs

  • How detailed are your quotes?
  • Can you share a quote from a project you recently worked on so I can see how detailed it is?
  • Does your quote include materials and labor?
  • If your quote includes materials, do I have a say about the material selection?

Work History

  • Do you have pictures of projects?
  • Do you have at least three references?
  • Have you ever had a project go over money and time budget? If so, tell me about it.
  • Have you ever had an unhappy client, and how did you deal with it?

The Scope of the Project

  • Is there anything you can’t do regarding the project I’m proposing?
  • Do you subcontract anything to others?
  • Who do you hire as subcontractors?
  • How do you ensure the quality of your subcontractors’ work?
  • Do you pull permits?
  • How are you paid?
  • What percentage do you put into the project for possible incidentals?
  • Why do you think I should hire you for this job?

Why Remodeling Contractors Should Be Licensed, Bonded, and Insured

Being licensed, bonded, and insured can lend credibility to contractors and offer protection to homeowners, but these credentials come with some limitations, according to Rudin.

  • Licensed: The company has registered their business operations with the state contractor’s registrar. But states offer different type of licenses. “Some licenses allow a contractor to do one kind of work, but not another,” Rudin says. “It’s important to know the differences between these levels of licensure and what your specific project requires.” Each state has different requirements and rules, with some even limiting contractor licenses by the cost of the project. You may want to view contractor licensing rules in your state.
  • Bonded: This means they have a surety bond, so if your home is damaged, the bond will cover the loss. “This is important because if the company isn’t bonded and an accident occurs, you’ll be on the line for the cost of repairs,” Rudin explains.
  • Insured: The company is protected against various risks and liabilities, such as if a worker has an accident on the job site or if they caused some sort of professional mistake.

8 Red Flags to Look for in a Remodeling Contractor

When you’re interviewing, background checking, or starting a relationship with a remodeling contractor, be leery of these eight red flags:

  1. Vague contracts: A written contract should spell out the scope of the work, materials, payment schedule, change orders, etc. “If a contractor gives you a contract that is only one or two pages, that’s a red flag,” Costello warns.
  2. Lack of consumer protections: A contract should protect you, the homeowner, as well as the contractor. Offer a contract addendum if needed. Costello recommends a clause that allows you to fire a contractor for shoddy work or for failing to show up at the jobsite for a specified time. Also, she recommends the contract calls for a change order to be signed by both parties for any added fees. That will help avoid surprise invoices.
  3. Large down payments: The contract should outline a payment schedule based on work milestones, such as when framing is completed or rough plumbing or electricity is installed. Costello’s red flag: having to pay $30,000 before work even started. “Every state is different, but in California, all that is required is 10% or $1,000, whichever is less,” she says. “Negotiate that upfront cost if your state requires a lot more, because if you give away too much money right off the bat, they could drag their feet or use your money for another project.”
  4. Refusal to pull permits: Many remodeling projects — like for fireplaces, outdoor kitchens, and room additions — require a permit from the city or county to ensure they’ll be completed up to code. Most remodeling contractors will file these on your behalf, but be cautious of those who don’t; it may be a sign they’re unlicensed, Costello says. She advises having the contractor pull any permits because “whoever obtains and signs for the permit is responsible for everything, including fees and fines if something ever goes wrong,” she adds.
  5. Lack of communication: Costello says she never spoke to the contractor until after she hired him and had to communicate through a salesperson first. Her contractor would often not show up for days or weeks and rarely returned phone calls or messages. She recommends the contract detail the frequency of communication.
  6. Failure to address lien waivers: A lien waiver can help protect homeowners in large remodeling projects. This ensures a contractor’s supplier can’t place a lien on your property if the contractor fails to pay the supplier. (Costello says a “mechanics lien” was placed on her home during the remodel for this reason.) Liens can affect a homeowner’s ability to sell their home until they’re resolved.
  7. Low estimates: Homeowners may be tempted to choose the contractor with the lowest bid, but be skeptical: “Low bids tend to be vague,” Costello says. “They tend to just offer vague references to painting, plumbing, and electrical, with nothing broken out about the scope of work or materials used. Make sure costs are detailed.”
  8. Lack of professionalism: “It may seem judgmental to assess the quality of a contractor by their appearance and first impressions, but it can be one indicator in your toolkit,” Rudin says. If the contractor arrives late or is continually difficult to reach, that reflect on how they’ll handle your project, he adds.

What to Do If You Notice Problems With Your Remodeling Contractor

Looking back, Costello says she likely could have avoided some of her remodeling nightmare by spotting the red flags. Those include the lack of communication, vague contracts, and the requirement to put down too much money upfront. “If you start to notice something isn’t right, communicate that right away to the contractor,” Costello says. “Always follow up with a written letter that summarizes what you said and uses language like, ‘I appreciate your help,’ or ‘I appreciate your attention to this,’ and ‘I look forward to getting this resolved.’ Document and take photos.”

Costello credits documentation for helping her to receive a settlement from the contractor. Even then, it took about 15 years to get her two-story renovation completed the way she originally envisioned, she says.

“I just wish I knew back then what I know now,” she says. “Educate yourself, understand your rights, vet your contractors carefully, and learn to read contracts.” It paid off: Her remodeling experiences ever since —for the two-story addition’s reconstruction and later a kitchen — went smoothly, and she credits hiring well-vetted, professional contractors for the results.

Home Maintenance January 25, 2025

What do Septic Inspections Involve?

What do Septic Inspections Involve?

By: HouseLogic

Published: August 1, 2024

Keep up with your septic inspections – because nobody wants a septic surprise.

A septic system provides long-term, effective treatment of household wastewater. But if not maintained, it can fail and require expensive fixes and cause health risks. So, while they’re not the most glamorous part of homeownership, septic tank inspections can help keep your septic system running smoothly and protect your home. Plus, it can help minimize pollution.

Whether you’re a new homeowner trying to figure out if you need a septic inspection, scheduling your first one, or looking to review options for maintenance inspection, this guide will equip you with the basics to keep your septic system in top condition.

What is a Septic Inspection?
Like a wellness checkup, a septic inspection is a thorough examination of a septic system. This includes assessing the condition of the tank, pipes, and drainage field to certify proper function and compliance with health regulations. These inspections aren’t just a formality; they can help to avoid costly repairs down the line and to determine if it’s time to repair or replace your septic system.

What to Expect from a Septic Tank Inspection
Knowing how to prepare for and what to expect during a septic system inspection can help you check that the process matches your expectations.

Septic Tank Inspections: A Step-by-Step Guide
Initially, the inspector will review the history of your septic system, including any maintenance records you have. This provides a baseline for evaluating the current state of your system.

The inspector will follow these steps:

Initial assessment: The septic inspector will review the septic system’s history and maintenance records.
System location and access: Next, the inspector will locate and uncover access points to the septic tank.
Tank examination: Along with checking the tank for leaks, corrosion, and levels of scum and sludge, the inspector will check if the tank needs to be pumped.
Pipe and mechanism inspection: Next, the inspector will check the pipes and mechanisms for damage or blockages. They’ll also assess the condition of the septic tank effluent filter if your system has one.
Drain field evaluation: Lastly, your inspector will evaluate the drain field’s absorption capability and look for signs of failure (such as standing water or improper drainage)
Optional dye test: The inspector may conduct a dye test to detect leaks or system failures.
After the physical inspection, the inspector will discuss the findings with you. They’ll point out any immediate concerns or potential future issues.

Who Inspects Septic Tanks, and How Do I Prepare?
Typically, you’ll want to contact a licensed septic inspector or a professional septic service company to schedule an inspection. You can research septic inspectors online or find a list of professionals recommended by state authorities. Consider getting recommendations from local friends, family or neighbors for contractors who work with septic systems. Make sure to check an inspector’s credentials to see if they are certified and compliant with regulations. Membership in professional organizations such as NACHI, ASHI, or NAHI, is a good sign too.

Before the inspector arrives, you can do several things to support a smooth and efficient septic inspection process. Start by locating your septic system’s design records; these documents provide valuable information about the layout and size of your system.

If you’re planning to purchase a home, you may assume a septic inspection is part of your standard home inspection, but this isn’t always the case. Most home inspectors aren’t going to check if the septic system of your prospective home is running properly. You may need to pay extra for a simple visual inspection.

Aspiring homeowners are better off bringing in a septic inspector who’s properly qualified to check if the septic system is operating as it should.

Follow This Pre-inspection Checklist
Here’s a quick checklist to guide you:

Locate and provide septic system design records.
List any signs of system issues (for example, slow draining, odors).
Clear the area around the septic tank and drain field.
Refrain from pumping out the tank right before the inspection, as this can mask issues.
These steps will help you get an accurate assessment of your septic system’s health.

How Much Does a Typical Septic Inspection Cost?
The cost of a septic inspection can vary widely. Pricing depends on a few factors, including the type of system you have, how comprehensive you want the inspection to be, how accessible the tank is, and whether the system requires additional testing and urgency.

A septic system inspection costs an average $550, according to “Forbes.” A basic inspection may run $100 to $450. However, the factors previously mentioned can quickly drive up the total septic inspection cost.

A visual inspection differs greatly from a comprehensive inspection. A home inspector or homeowner can do a visual inspection of what’s above ground by looking for soggy ground or sniffing for bad odors (think raw sewage or excrement). But a comprehensive inspection goes underground and requires a licensed plumber, preferably licensed and certified in septic systems, says Charlie Bellefontaine, inspector at Chicagoland Home Inspectors.

“These specialists have to remove the septic tank’s concrete cap, which is usually buried in the dirt,” Bellefontaine says. They view the chambers to check the depth of the sludge, the scum, and the effluent, which is liquid waste or sewage discharge. Then they can do repairs or replacement, because they’re also installers, he adds.

Type of Inspection
Septic inspectors offer different levels of inspection. At the lower end of the price range are routine inspections that cover the basics while at the steeper end you get a more comprehensive inspection, sometimes using a camera.

Routine inspection: A simple inspection that usually involves a dye test for leaks and a visual inspection. You’ll likely pay between $200 and $250.
Basic inspection: This may include a dye test for leaks, simple system tests, a visual inspection, and measuring the scum and sludge layer. A basic inspection may cost you around $250 to $400.
Detailed inspection: Along with all the inclusions outlined in the basic inspection, a detailed inspection also includes a wastewater flow test, an audit of tank size, soil testing and pumping tests. Expect to pay between $400 and $700.
Camera inspection: In some instances, the inspector may not be able to easily identify the source of a problem. They may recommend using a camera to better understand what the system issues are. This could cost an additional $900.
Accessibility
If tanks and components are buried deep, requiring excavation equipment to access, or located in challenging terrain like marshes, slopes, or woodlands, specialized equipment and labor will be required. These tougher access jobs can drive up the cost of your inspection.

Additional Testing
Some owners want extra testing like dye tracing, pump/control verification, flow rates, or effluent sampling for contaminants. These add-on tests may make the inspection more comprehensive, but they come at a price. The fees can tack on $100 to more than $200 to the cost of a basic visual inspection.

Emergency Visits
Calling an inspector outside of business hours for a failed system or other suspected issues could generate higher weekend, night, or rush charges of $200 to 300 and up. You can minimize your risk of emergency septic problems and save the extra cash by scheduling regular, ongoing inspections. We’ll talk about how frequently below.

Septic Inspection FAQs
Let’s dive into the most common questions about septic inspections.

How Often Do I Need a Septic Inspection?
The Environmental Protection Agency recommends having your home septic system inspected every one to three years, depending on usage and local regulations. Check with your municipal health administration for specifics. If you have a complex septic system or a system with mechanical components, you may need more frequent inspections. Either way, consistent inspections help identify potential issues before they become major problems, potentially saving you from high-priced fixes and inconveniences.

How Long Does a Septic Inspection Take?
A septic inspection can vary based on factors like the size and complexity of your system. Generally, you can expect the process to take one to three hours. If the inspector finds issues, they may need extra time for troubleshooting and identifying the cause, but the time to keep your system running smoothly is well spent.
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What do Septic Inspections Involve?
By: HouseLogic

Published: August 1, 2024

Keep up with your septic inspections – because nobody wants a septic surprise.

A septic system provides long-term, effective treatment of household wastewater. But if not maintained, it can fail and require expensive fixes and cause health risks. So, while they’re not the most glamorous part of homeownership, septic tank inspections can help keep your septic system running smoothly and protect your home. Plus, it can help minimize pollution.

Whether you’re a new homeowner trying to figure out if you need a septic inspection, scheduling your first one, or looking to review options for maintenance inspection, this guide will equip you with the basics to keep your septic system in top condition.

What is a Septic Inspection?
Like a wellness checkup, a septic inspection is a thorough examination of a septic system. This includes assessing the condition of the tank, pipes, and drainage field to certify proper function and compliance with health regulations. These inspections aren’t just a formality; they can help to avoid costly repairs down the line and to determine if it’s time to repair or replace your septic system.

What to Expect from a Septic Tank Inspection
Knowing how to prepare for and what to expect during a septic system inspection can help you check that the process matches your expectations.

Septic Tank Inspections: A Step-by-Step Guide
Initially, the inspector will review the history of your septic system, including any maintenance records you have. This provides a baseline for evaluating the current state of your system.

The inspector will follow these steps:

Initial assessment: The septic inspector will review the septic system’s history and maintenance records.
System location and access: Next, the inspector will locate and uncover access points to the septic tank.
Tank examination: Along with checking the tank for leaks, corrosion, and levels of scum and sludge, the inspector will check if the tank needs to be pumped.
Pipe and mechanism inspection: Next, the inspector will check the pipes and mechanisms for damage or blockages. They’ll also assess the condition of the septic tank effluent filter if your system has one.
Drain field evaluation: Lastly, your inspector will evaluate the drain field’s absorption capability and look for signs of failure (such as standing water or improper drainage)
Optional dye test: The inspector may conduct a dye test to detect leaks or system failures.
After the physical inspection, the inspector will discuss the findings with you. They’ll point out any immediate concerns or potential future issues.

Who Inspects Septic Tanks, and How Do I Prepare?
Typically, you’ll want to contact a licensed septic inspector or a professional septic service company to schedule an inspection. You can research septic inspectors online or find a list of professionals recommended by state authorities. Consider getting recommendations from local friends, family or neighbors for contractors who work with septic systems. Make sure to check an inspector’s credentials to see if they are certified and compliant with regulations. Membership in professional organizations such as NACHI, ASHI, or NAHI, is a good sign too.

Before the inspector arrives, you can do several things to support a smooth and efficient septic inspection process. Start by locating your septic system’s design records; these documents provide valuable information about the layout and size of your system.

If you’re planning to purchase a home, you may assume a septic inspection is part of your standard home inspection, but this isn’t always the case. Most home inspectors aren’t going to check if the septic system of your prospective home is running properly. You may need to pay extra for a simple visual inspection.

Aspiring homeowners are better off bringing in a septic inspector who’s properly qualified to check if the septic system is operating as it should.

Follow This Pre-inspection Checklist
Here’s a quick checklist to guide you:

Locate and provide septic system design records.
List any signs of system issues (for example, slow draining, odors).
Clear the area around the septic tank and drain field.
Refrain from pumping out the tank right before the inspection, as this can mask issues.
These steps will help you get an accurate assessment of your septic system’s health.

How Much Does a Typical Septic Inspection Cost?
The cost of a septic inspection can vary widely. Pricing depends on a few factors, including the type of system you have, how comprehensive you want the inspection to be, how accessible the tank is, and whether the system requires additional testing and urgency.

A septic system inspection costs an average $550, according to “Forbes.” A basic inspection may run $100 to $450. However, the factors previously mentioned can quickly drive up the total septic inspection cost.

A visual inspection differs greatly from a comprehensive inspection. A home inspector or homeowner can do a visual inspection of what’s above ground by looking for soggy ground or sniffing for bad odors (think raw sewage or excrement). But a comprehensive inspection goes underground and requires a licensed plumber, preferably licensed and certified in septic systems, says Charlie Bellefontaine, inspector at Chicagoland Home Inspectors.

“These specialists have to remove the septic tank’s concrete cap, which is usually buried in the dirt,” Bellefontaine says. They view the chambers to check the depth of the sludge, the scum, and the effluent, which is liquid waste or sewage discharge. Then they can do repairs or replacement, because they’re also installers, he adds.

Type of Inspection
Septic inspectors offer different levels of inspection. At the lower end of the price range are routine inspections that cover the basics while at the steeper end you get a more comprehensive inspection, sometimes using a camera.

Routine inspection: A simple inspection that usually involves a dye test for leaks and a visual inspection. You’ll likely pay between $200 and $250.
Basic inspection: This may include a dye test for leaks, simple system tests, a visual inspection, and measuring the scum and sludge layer. A basic inspection may cost you around $250 to $400.
Detailed inspection: Along with all the inclusions outlined in the basic inspection, a detailed inspection also includes a wastewater flow test, an audit of tank size, soil testing and pumping tests. Expect to pay between $400 and $700.
Camera inspection: In some instances, the inspector may not be able to easily identify the source of a problem. They may recommend using a camera to better understand what the system issues are. This could cost an additional $900.
Accessibility
If tanks and components are buried deep, requiring excavation equipment to access, or located in challenging terrain like marshes, slopes, or woodlands, specialized equipment and labor will be required. These tougher access jobs can drive up the cost of your inspection.

Additional Testing
Some owners want extra testing like dye tracing, pump/control verification, flow rates, or effluent sampling for contaminants. These add-on tests may make the inspection more comprehensive, but they come at a price. The fees can tack on $100 to more than $200 to the cost of a basic visual inspection.

Emergency Visits
Calling an inspector outside of business hours for a failed system or other suspected issues could generate higher weekend, night, or rush charges of $200 to 300 and up. You can minimize your risk of emergency septic problems and save the extra cash by scheduling regular, ongoing inspections. We’ll talk about how frequently below.

Septic Inspection FAQs
Let’s dive into the most common questions about septic inspections.

How Often Do I Need a Septic Inspection?
The Environmental Protection Agency recommends having your home septic system inspected every one to three years, depending on usage and local regulations. Check with your municipal health administration for specifics. If you have a complex septic system or a system with mechanical components, you may need more frequent inspections. Either way, consistent inspections help identify potential issues before they become major problems, potentially saving you from high-priced fixes and inconveniences.

How Long Does a Septic Inspection Take?
A septic inspection can vary based on factors like the size and complexity of your system. Generally, you can expect the process to take one to three hours. If the inspector finds issues, they may need extra time for troubleshooting and identifying the cause, but the time to keep your system running smoothly is well spent.

What areWhat do Septic Inspections Involve?
By: HouseLogic

Published: August 1, 2024

Keep up with your septic inspections – because nobody wants a septic surprise.

A septic system provides long-term, effective treatment of household wastewater. But if not maintained, it can fail and require expensive fixes and cause health risks. So, while they’re not the most glamorous part of homeownership, septic tank inspections can help keep your septic system running smoothly and protect your home. Plus, it can help minimize pollution.

Whether you’re a new homeowner trying to figure out if you need a septic inspection, scheduling your first one, or looking to review options for maintenance inspection, this guide will equip you with the basics to keep your septic system in top condition.

What is a Septic Inspection?
Like a wellness checkup, a septic inspection is a thorough examination of a septic system. This includes assessing the condition of the tank, pipes, and drainage field to certify proper function and compliance with health regulations. These inspections aren’t just a formality; they can help to avoid costly repairs down the line and to determine if it’s time to repair or replace your septic system.

What to Expect from a Septic Tank Inspection
Knowing how to prepare for and what to expect during a septic system inspection can help you check that the process matches your expectations.

Septic Tank Inspections: A Step-by-Step Guide
Initially, the inspector will review the history of your septic system, including any maintenance records you have. This provides a baseline for evaluating the current state of your system.

The inspector will follow these steps:

Initial assessment: The septic inspector will review the septic system’s history and maintenance records.
System location and access: Next, the inspector will locate and uncover access points to the septic tank.
Tank examination: Along with checking the tank for leaks, corrosion, and levels of scum and sludge, the inspector will check if the tank needs to be pumped.
Pipe and mechanism inspection: Next, the inspector will check the pipes and mechanisms for damage or blockages. They’ll also assess the condition of the septic tank effluent filter if your system has one.
Drain field evaluation: Lastly, your inspector will evaluate the drain field’s absorption capability and look for signs of failure (such as standing water or improper drainage)
Optional dye test: The inspector may conduct a dye test to detect leaks or system failures.
After the physical inspection, the inspector will discuss the findings with you. They’ll point out any immediate concerns or potential future issues.

Who Inspects Septic Tanks, and How Do I Prepare?
Typically, you’ll want to contact a licensed septic inspector or a professional septic service company to schedule an inspection. You can research septic inspectors online or find a list of professionals recommended by state authorities. Consider getting recommendations from local friends, family or neighbors for contractors who work with septic systems. Make sure to check an inspector’s credentials to see if they are certified and compliant with regulations. Membership in professional organizations such as NACHI, ASHI, or NAHI, is a good sign too.

Before the inspector arrives, you can do several things to support a smooth and efficient septic inspection process. Start by locating your septic system’s design records; these documents provide valuable information about the layout and size of your system.

If you’re planning to purchase a home, you may assume a septic inspection is part of your standard home inspection, but this isn’t always the case. Most home inspectors aren’t going to check if the septic system of your prospective home is running properly. You may need to pay extra for a simple visual inspection.

Aspiring homeowners are better off bringing in a septic inspector who’s properly qualified to check if the septic system is operating as it should.

Follow This Pre-inspection Checklist
Here’s a quick checklist to guide you:

Locate and provide septic system design records.
List any signs of system issues (for example, slow draining, odors).
Clear the area around the septic tank and drain field.
Refrain from pumping out the tank right before the inspection, as this can mask issues.
These steps will help you get an accurate assessment of your septic system’s health.

How Much Does a Typical Septic Inspection Cost?
The cost of a septic inspection can vary widely. Pricing depends on a few factors, including the type of system you have, how comprehensive you want the inspection to be, how accessible the tank is, and whether the system requires additional testing and urgency.

A septic system inspection costs an average $550, according to “Forbes.” A basic inspection may run $100 to $450. However, the factors previously mentioned can quickly drive up the total septic inspection cost.

A visual inspection differs greatly from a comprehensive inspection. A home inspector or homeowner can do a visual inspection of what’s above ground by looking for soggy ground or sniffing for bad odors (think raw sewage or excrement). But a comprehensive inspection goes underground and requires a licensed plumber, preferably licensed and certified in septic systems, says Charlie Bellefontaine, inspector at Chicagoland Home Inspectors.

“These specialists have to remove the septic tank’s concrete cap, which is usually buried in the dirt,” Bellefontaine says. They view the chambers to check the depth of the sludge, the scum, and the effluent, which is liquid waste or sewage discharge. Then they can do repairs or replacement, because they’re also installers, he adds.

Type of Inspection
Septic inspectors offer different levels of inspection. At the lower end of the price range are routine inspections that cover the basics while at the steeper end you get a more comprehensive inspection, sometimes using a camera.

Routine inspection: A simple inspection that usually involves a dye test for leaks and a visual inspection. You’ll likely pay between $200 and $250.
Basic inspection: This may include a dye test for leaks, simple system tests, a visual inspection, and measuring the scum and sludge layer. A basic inspection may cost you around $250 to $400.
Detailed inspection: Along with all the inclusions outlined in the basic inspection, a detailed inspection also includes a wastewater flow test, an audit of tank size, soil testing and pumping tests. Expect to pay between $400 and $700.
Camera inspection: In some instances, the inspector may not be able to easily identify the source of a problem. They may recommend using a camera to better understand what the system issues are. This could cost an additional $900.
Accessibility
If tanks and components are buried deep, requiring excavation equipment to access, or located in challenging terrain like marshes, slopes, or woodlands, specialized equipment and labor will be required. These tougher access jobs can drive up the cost of your inspection.

Additional Testing
Some owners want extra testing like dye tracing, pump/control verification, flow rates, or effluent sampling for contaminants. These add-on tests may make the inspection more comprehensive, but they come at a price. The fees can tack on $100 to more than $200 to the cost of a basic visual inspection.

Emergency Visits
Calling an inspector outside of business hours for a failed system or other suspected issues could generate higher weekend, night, or rush charges of $200 to 300 and up. You can minimize your risk of emergency septic problems and save the extra cash by scheduling regular, ongoing inspections. We’ll talk about how frequently below.

Septic Inspection FAQs
Let’s dive into the most common questions about septic inspections.

How Often Do I Need a Septic Inspection?
The Environmental Protection Agency recommends having your home septic system inspected every one to three years, depending on usage and local regulations. Check with your municipal health administration for specifics. If you have a complex septic system or a system with mechanical components, you may need more frequent inspections. Either way, consistent inspections help identify potential issues before they become major problems, potentially saving you from high-priced fixes and inconveniences.

How Long Does a Septic Inspection Take?
A septic inspection can vary based on factors like the size and complexity of your system. Generally, you can expect the process to take one to three hours. If the inspector finds issues, they may need extra time for troubleshooting and identifying the cause, but the time to keep your system running smoothly is well spent.

What are the Consequences of Not Inspecting My Septic Tank?
Neglecting septic tank inspections can lead to system failures, added expenses, health hazards, and environmental contamination from untreated sewage leaks. By catching leaks or failures early, inspections protect the surrounding soil and groundwater from contamination and you and your neighbors from potentially stinky or dangerous situations.

Can I Perform a Septic Inspection Myself?
Homeowners can do visual inspections. Giving your system a once-over from time to time is a good habit. But hiring a professional for a full inspection is advisable because of the technical knowledge and expertise, as well as safety concerns.

The Importance of Septic System Inspections
Septic tank inspections are a crucial aspect of maintaining a healthy home and environment.

Understanding what’s involved in an inspection, who performs it, how much it costs, and how often to schedule it can help you keep your septic system functioning properly. By keeping up with septic tank inspections, you’re not just staying ahead of the game; you’re keeping your home’s waste system in tip-top shape, giving you one less thing to worry about. the Consequences of Not Inspecting My Septic Tank?
Neglecting septic tank inspections can lead to system failures, added expenses, health hazards, and environmental contamination from untreated sewage leaks. By catching leaks or failures early, inspections protect the surrounding soil and groundwater from contamination and you and your neighbors from potentially stinky or dangerous situations.

Can I Perform a Septic Inspection Myself?
Homeowners can do visual inspections. Giving your system a once-over from time to time is a good habit. But hiring a professional for a full inspection is advisable because of the technical knowledge and expertise, as well as safety concerns.

The Importance of Septic System Inspections
Septic tank inspections are a crucial aspect of maintaining a healthy home and environment.

Understanding what’s involved in an inspection, who performs it, how much it costs, and how often to schedule it can help you keep your septic system functioning properly. By keeping up with septic tank inspections, you’re not just staying ahead of the game; you’re keeping your home’s waste system in tip-top shape, giving you one less thing to worry about
WhaWhat do Septic Inspections Involve?
By: HouseLogic

Published: August 1, 2024

Keep up with your septic inspections – because nobody wants a septic surprise.

A septic system provides long-term, effective treatment of household wastewater. But if not maintained, it can fail and require expensive fixes and cause health risks. So, while they’re not the most glamorous part of homeownership, septic tank inspections can help keep your septic system running smoothly and protect your home. Plus, it can help minimize pollution.

Whether you’re a new homeowner trying to figure out if you need a septic inspection, scheduling your first one, or looking to review options for maintenance inspection, this guide will equip you with the basics to keep your septic system in top condition.

What is a Septic Inspection?
Like a wellness checkup, a septic inspection is a thorough examination of a septic system. This includes assessing the condition of the tank, pipes, and drainage field to certify proper function and compliance with health regulations. These inspections aren’t just a formality; they can help to avoid costly repairs down the line and to determine if it’s time to repair or replace your septic system.

What to Expect from a Septic Tank Inspection
Knowing how to prepare for and what to expect during a septic system inspection can help you check that the process matches your expectations.

Septic Tank Inspections: A Step-by-Step Guide
Initially, the inspector will review the history of your septic system, including any maintenance records you have. This provides a baseline for evaluating the current state of your system.

The inspector will follow these steps:

Initial assessment: The septic inspector will review the septic system’s history and maintenance records.
System location and access: Next, the inspector will locate and uncover access points to the septic tank.
Tank examination: Along with checking the tank for leaks, corrosion, and levels of scum and sludge, the inspector will check if the tank needs to be pumped.
Pipe and mechanism inspection: Next, the inspector will check the pipes and mechanisms for damage or blockages. They’ll also assess the condition of the septic tank effluent filter if your system has one.
Drain field evaluation: Lastly, your inspector will evaluate the drain field’s absorption capability and look for signs of failure (such as standing water or improper drainage)
Optional dye test: The inspector may conduct a dye test to detect leaks or system failures.
After the physical inspection, the inspector will discuss the findings with you. They’ll point out any immediate concerns or potential future issues.

Who Inspects Septic Tanks, and How Do I Prepare?
Typically, you’ll want to contact a licensed septic inspector or a professional septic service company to schedule an inspection. You can research septic inspectors online or find a list of professionals recommended by state authorities. Consider getting recommendations from local friends, family or neighbors for contractors who work with septic systems. Make sure to check an inspector’s credentials to see if they are certified and compliant with regulations. Membership in professional organizations such as NACHI, ASHI, or NAHI, is a good sign too.

Before the inspector arrives, you can do several things to support a smooth and efficient septic inspection process. Start by locating your septic system’s design records; these documents provide valuable information about the layout and size of your system.

If you’re planning to purchase a home, you may assume a septic inspection is part of your standard home inspection, but this isn’t always the case. Most home inspectors aren’t going to check if the septic system of your prospective home is running properly. You may need to pay extra for a simple visual inspection.

Aspiring homeowners are better off bringing in a septic inspector who’s properly qualified to check if the septic system is operating as it should.

Follow This Pre-inspection Checklist
Here’s a quick checklist to guide you:

Locate and provide septic system design records.
List any signs of system issues (for example, slow draining, odors).
Clear the area around the septic tank and drain field.
Refrain from pumping out the tank right before the inspection, as this can mask issues.
These steps will help you get an accurate assessment of your septic system’s health.

How Much Does a Typical Septic Inspection Cost?
The cost of a septic inspection can vary widely. Pricing depends on a few factors, including the type of system you have, how comprehensive you want the inspection to be, how accessible the tank is, and whether the system requires additional testing and urgency.

A septic system inspection costs an average $550, according to “Forbes.” A basic inspection may run $100 to $450. However, the factors previously mentioned can quickly drive up the total septic inspection cost.

A visual inspection differs greatly from a comprehensive inspection. A home inspector or homeowner can do a visual inspection of what’s above ground by looking for soggy ground or sniffing for bad odors (think raw sewage or excrement). But a comprehensive inspection goes underground and requires a licensed plumber, preferably licensed and certified in septic systems, says Charlie Bellefontaine, inspector at Chicagoland Home Inspectors.

“These specialists have to remove the septic tank’s concrete cap, which is usually buried in the dirt,” Bellefontaine says. They view the chambers to check the depth of the sludge, the scum, and the effluent, which is liquid waste or sewage discharge. Then they can do repairs or replacement, because they’re also installers, he adds.

Type of Inspection
Septic inspectors offer different levels of inspection. At the lower end of the price range are routine inspections that cover the basics while at the steeper end you get a more comprehensive inspection, sometimes using a camera.

Routine inspection: A simple inspection that usually involves a dye test for leaks and a visual inspection. You’ll likely pay between $200 and $250.
Basic inspection: This may include a dye test for leaks, simple system tests, a visual inspection, and measuring the scum and sludge layer. A basic inspection may cost you around $250 to $400.
Detailed inspection: Along with all the inclusions outlined in the basic inspection, a detailed inspection also includes a wastewater flow test, an audit of tank size, soil testing and pumping tests. Expect to pay between $400 and $700.
Camera inspection: In some instances, the inspector may not be able to easily identify the source of a problem. They may recommend using a camera to better understand what the system issues are. This could cost an additional $900.
Accessibility
If tanks and components are buried deep, requiring excavation equipment to access, or located in challenging terrain like marshes, slopes, or woodlands, specialized equipment and labor will be required. These tougher access jobs can drive up the cost of your inspection.

Additional Testing
Some owners want extra testing like dye tracing, pump/control verification, flow rates, or effluent sampling for contaminants. These add-on tests may make the inspection more comprehensive, but they come at a price. The fees can tack on $100 to more than $200 to the cost of a basic visual inspection.

Emergency Visits
Calling an inspector outside of business hours for a failed system or other suspected issues could generate higher weekend, night, or rush charges of $200 to 300 and up. You can minimize your risk of emergency septic problems and save the extra cash by scheduling regular, ongoing inspections. We’ll talk about how frequently below.

Septic Inspection FAQs
Let’s dive into the most common questions about septic inspections.

How Often Do I Need a Septic Inspection?
The Environmental Protection Agency recommends having your home septic system inspected every one to three years, depending on usage and local regulations. Check with your municipal health administration for specifics. If you have a complex septic system or a system with mechanical components, you may need more frequent inspections. Either way, consistent inspections help identify potential issues before they become major problems, potentially saving you from high-priced fixes and inconveniences.

How Long Does a Septic Inspection Take?
A septic inspection can vary based on factors like the size and complexity of your system. Generally, you can expect the process to take one to three hours. If the inspector finds issues, they may need extra time for troubleshooting and identifying the cause, but the time to keep your system running smoothly is well spent.
What do Septic Inspections Involve?
By: HouseLogic

Published: August 1, 2024

Keep up with your septic inspections – because nobody wants a septic surprise.

A septic system provides long-term, effective treatment of household wastewater. But if not maintained, it can fail and require expensive fixes and cause health risks. So, while they’re not the most glamorous part of homeownership, septic tank inspections can help keep your septic system running smoothly and protect your home. Plus, it can help minimize pollution.

Whether you’re a new homeowner trying to figure out if you need a septic inspection, scheduling your first one, or looking to review options for maintenance inspection, this guide will equip you with the basics to keep your septic system in top condition.

What is a Septic Inspection?
Like a wellness checkup, a septic inspection is a thorough examination of a septic system. This includes assessing the condition of the tank, pipes, and drainage field to certify proper function and compliance with health regulations. These inspections aren’t just a formality; they can help to avoid costly repairs down the line and to determine if it’s time to repair or replace your septic system.

What to Expect from a Septic Tank Inspection
Knowing how to prepare for and what to expect during a septic system inspection can help you check that the process matches your expectations.

Septic Tank Inspections: A Step-by-Step Guide
Initially, the inspector will review the history of your septic system, including any maintenance records you have. This provides a baseline for evaluating the current state of your system.

The inspector will follow these steps:

Initial assessment: The septic inspector will review the septic system’s history and maintenance records.
System location and access: Next, the inspector will locate and uncover access points to the septic tank.
Tank examination: Along with checking the tank for leaks, corrosion, and levels of scum and sludge, the inspector will check if the tank needs to be pumped.
Pipe and mechanism inspection: Next, the inspector will check the pipes and mechanisms for damage or blockages. They’ll also assess the condition of the septic tank effluent filter if your system has one.
Drain field evaluation: Lastly, your inspector will evaluate the drain field’s absorption capability and look for signs of failure (such as standing water or improper drainage)
Optional dye test: The inspector may conduct a dye test to detect leaks or system failures.
After the physical inspection, the inspector will discuss the findings with you. They’ll point out any immediate concerns or potential future issues.

Who Inspects Septic Tanks, and How Do I Prepare?
Typically, you’ll want to contact a licensed septic inspector or a professional septic service company to schedule an inspection. You can research septic inspectors online or find a list of professionals recommended by state authorities. Consider getting recommendations from local friends, family or neighbors for contractors who work with septic systems. Make sure to check an inspector’s credentials to see if they are certified and compliant with regulations. Membership in professional organizations such as NACHI, ASHI, or NAHI, is a good sign too.

Before the inspector arrives, you can do several things to support a smooth and efficient septic inspection process. Start by locating your septic system’s design records; these documents provide valuable information about the layout and size of your system.

If you’re planning to purchase a home, you may assume a septic inspection is part of your standard home inspection, but this isn’t always the case. Most home inspectors aren’t going to check if the septic system of your prospective home is running properly. You may need to pay extra for a simple visual inspection.

Aspiring homeowners are better off bringing in a septic inspector who’s properly qualified to check if the septic system is operating as it should.

Follow This Pre-inspection Checklist
Here’s a quick checklist to guide you:

Locate and provide septic system design records.
List any signs of system issues (for example, slow draining, odors).
Clear the area around the septic tank and drain field.
Refrain from pumping out the tank right before the inspection, as this can mask issues.
These steps will help you get an accurate assessment of your septic system’s health.

How Much Does a Typical Septic Inspection Cost?
The cost of a septic inspection can vary widely. Pricing depends on a few factors, including the type of system you have, how comprehensive you want the inspection to be, how accessible the tank is, and whether the system requires additional testing and urgency.

A septic system inspection costs an average $550, according to “Forbes.” A basic inspection may run $100 to $450. However, the factors previously mentioned can quickly drive up the total septic inspection cost.

A visual inspection differs greatly from a comprehensive inspection. A home inspector or homeowner can do a visual inspection of what’s above ground by looking for soggy ground or sniffing for bad odors (think raw sewage or excrement). But a comprehensive inspection goes underground and requires a licensed plumber, preferably licensed and certified in septic systems, says Charlie Bellefontaine, inspector at Chicagoland Home Inspectors.

“These specialists have to remove the septic tank’s concrete cap, which is usually buried in the dirt,” Bellefontaine says. They view the chambers to check the depth of the sludge, the scum, and the effluent, which is liquid waste or sewage discharge. Then they can do repairs or replacement, because they’re also installers, he adds.

Type of Inspection
Septic inspectors offer different levels of inspection. At the lower end of the price range are routine inspections that cover the basics while at the steeper end you get a more comprehensive inspection, sometimes using a camera.

Routine inspection: A simple inspection that usually involves a dye test for leaks and a visual inspection. You’ll likely pay between $200 and $250.
Basic inspection: This may include a dye test for leaks, simple system tests, a visual inspection, and measuring the scum and sludge layer. A basic inspection may cost you around $250 to $400.
Detailed inspection: Along with all the inclusions outlined in the basic inspection, a detailed inspection also includes a wastewater flow test, an audit of tank size, soil testing and pumping tests. Expect to pay between $400 and $700.
Camera inspection: In some instances, the inspector may not be able to easily identify the source of a problem. They may recommend using a camera to better understand what the system issues are. This could cost an additional $900.
Accessibility
If tanks and components are buried deep, requiring excavation equipment to access, or located in challenging terrain like marshes, slopes, or woodlands, specialized equipment and labor will be required. These tougher access jobs can drive up the cost of your inspection.

Additional Testing
Some owners want extra testing like dye tracing, pump/control verification, flow rates, or effluent sampling for contaminants. These add-on tests may make the inspection more comprehensive, but they come at a price. The fees can tack on $100 to more than $200 to the cost of a basic visual inspection.

Emergency Visits
Calling an inspector outside of business hours for a failed system or other suspected issues could generate higher weekend, night, or rush charges of $200 to 300 and up. You can minimize your risk of emergency septic problems and save the extra cash by scheduling regular, ongoing inspections. We’ll talk about how frequently below.

Septic Inspection FAQs
Let’s dive into the most common questions about septic inspections.

How Often Do I Need a Septic Inspection?
The Environmental Protection Agency recommends having your home septic system inspected every one to three years, depending on usage and local regulations. Check with your municipal health administration for specifics. If you have a complex septic system or a system with mechanical components, you may need more frequent inspections. Either way, consistent inspections help identify potential issues before they become major problems, potentially saving you from high-priced fixes and inconveniences.

How Long Does a Septic Inspection Take?
A septic inspection can vary based on factors like the size and complexity of your system. Generally, you can expect the process to take one to three hours. If the inspector finds issues, they may need extra time for troubleshooting and identifying the cause, but the time to keep your system running smoothly is well spent.

What are the Consequences of Not Inspecting My Septic Tank?
Neglecting septic tank inspections can lead to system failures, added expenses, health hazards, and environmental contamination from untreated sewage leaks. By catching leaks or failures early, inspections protect the surrounding soil and groundwater from contamination and you and your neighbors from potentially stinky or dangerous situations.

Can I Perform a Septic Inspection Myself?
Homeowners can do visual inspections. Giving your system a once-over from time to time is a good habit. But hiring a professional for a full inspection is advisable because of the technical knowledge and expertise, as well as safety concerns.

The Importance of Septic System Inspections
Septic tank inspections are a crucial aspect of maintaining a healthy home and environment.

Understanding what’s involved in an inspection, who performs it, how much it costs, and how often to schedule it can help you keep your septic system functioning properly. By keeping up with septic tank inspections, you’re not just staying ahead of the game; you’re keeping your home’s waste system in tip-top shape, giving you one less thing to worry about.
What are the Consequences of Not Inspecting My Septic Tank?
Neglecting septic tank inspections can lead to system failures, added expenses, health hazards, and environmental contamination from untreated sewage leaks. By catching leaks or failures early, inspections protect the surrounding soil and groundwater from contamination and you and your neighbors from potentially stinky or dangerous situations.

Can I Perform a Septic Inspection Myself?
Homeowners can do visual inspections. Giving your system a once-over from time to time is a good habit. But hiring a professional for a full inspection is advisable because of the technical knowledge and expertise, as well as safety concerns.

The Importance of Septic System Inspections
Septic tank inspections are a crucial aspect of maintaining a healthy home and environment.

Understanding what’s involved in an inspection, who performs it, how much it costs, and how often to schedule it can help you keep your septic system functioning properly. By keeping up with septic tank inspections, you’re not just staying ahead of the game; you’re keeping your home’s waste system in tip-top shape, giving you one less thing to worry about.t are the Consequences of Not Inspecting My Septic Tank?
Neglecting septic tank inspections can lead to system failures, added expenses, health hazards, and environmental contamination from untreated sewage leaks. By catching leaks or failures early, inspections protect the surrounding soil and groundwater from contamination and you and your neighbors from potentially stinky or dangerous situations.

Can I Perform a Septic Inspection Myself?
Homeowners can do visual inspections. Giving your system a once-over from time to time is a good habit. But hiring a professional for a full inspection is advisable because of the technical knowledge and expertise, as well as safety concerns.

The Importance of Septic System Inspections
Septic tank inspections are a crucial aspect of maintaining a healthy home and environment.

Understanding what’s involved in an inspection, who performs it, how much it costs, and how often to schedule it can help you keep your septic system functioning properly. By keeping up with septic tank inspections, you’re not just staying ahead of the game; you’re keeping your home’s waste system in tip-top shape, giving you one less thing to worry about.

Home Maintenance January 25, 2025

Winterizing Your Home for a Stress-Free Season

Winterizing Your Home for a Stress-Free Season

By: HouseLogic

A winter-ready yard will be easier on you — and your wallet.

 

A winter-ready yard will be easier on you — and your wallet.

It’s easy to get so wrapped up in leaf peeping and other outdoorsy fun that you cut back on pre-winter home maintenance. But doing basic tasks now could lead to an easier winter and a greener spring — no matter where you live. Plus, you might save on costly repairs. Here’s a roundup of things you’ll be glad you did.

Head Off Winter Woes with Effective Home Maintenance Tips

Getting ready for winter doesn’t have to be a big deal. The trick? Know what things are most likely to cause problems and keep them from happening to your home and yard. With a fall checklist, you won’t forget to detach your garden hoses from outdoor faucets.

Fall Home Maintenance: A Fall Checklist of Things You Gotta Do Before Winter Sets In

Jumpstart a Lush Lawn

Not ready to replace your lawn with native plants or groundcover? No worries. But don’t settle for sad patches of grass in the spring. If you do some work in the fall, you’ll protect your lawn from winter damage and enjoy better results later.

Lush Lawn Prep: 4 Simple Tasks to Do in Fall for an Awesome Lawn in Spring

Winterizing Your Home for Harsh Weather

Every homeowner wants to prevent winter weather from causing dangerous or pricey problems. That’s why it’s super important to do things like seal up leaks and clean gutters before trouble hits home. A few pluses: These preps are often inexpensive, can be done by a pro, and/or don’t take much time.

Harsh Weather Prep: 7 Quick and Easy Weather Preparations to Do Right Now

Home Maintenance January 25, 2025

Sports Gear Storage Ideas to Declutter Your Home

Sports Gear Storage Ideas to Declutter Your Home

By: Melissa Dittmann Tracey

Published: August 19, 2024

Crush the clutter challenge by finding creative ways to store your household’s sports equipment.

Meaghan Kessman is a mom of two active children with a house full of sports gear, whether it’s for lacrosse, volleyball, flag football, gymnastics, track, or even skateboards. It’s a lot to store, and Kessman, founder of Meaghan Kessman Home Organization in Los Angeles, knows she’s not alone. “Sports gear storage is a common challenge. It can quickly become overwhelming, especially for families with multiple kids in different activities.”

Even if you don’t have kids, storing sports equipment can be challenging. It’s bulky, and awkwardly shaped. And it often needs to be easily accessible, even while still out of sight.

Households are becoming stuffed with sports stuff. Studies show the average household spends $154 annually on equipment alone, amounting collectively to $30 billion to $40 billion per year spent on children’s sports activities. That’s more than the annual revenues of any professional league, according to the Aspen Institute.

The result? Closets and corners or garages crammed with helmets, rackets, and smelly, dirty shoes. Before you throw in the sweaty towel, try these decluttering tips and storage solutions for managing all that sports gear.

Sports Gear Checklist: How to Get Started

Like other decluttering projects, this one might seem overwhelming at first. Check off these steps to get on the right track.

  • Take inventory: Do those cleats still fit? Are the tennis balls flat? Decide what to keep or toss, and consider frequency of use and whether items are in season or rarely used. “Depending on how important these items are in your household, [that] will define where and how much space is devoted to organizing and storing it,” says Barbara Brock, founder and CEO of Barbara Brock Inc., an organizing and staging company in New York City.
  • Designate a spot: The garage, mudroom, basement, or closets are common storage areas. Garages work well because they can accommodate a large volume of sports gear, especially for outdoor sports, even if it’s dirty, says Audra George, CEO and owner at Pretty Neat: An Organizational Solution in Oklahoma City, Okla. Also, convenience matters: “The last thing you want to do when rushing to practice is to start looking for your gear,” adds professional organizer Liora Seltzer with What U Keep, LLC, in Bergen County, N.J.
  • Check the sturdiness: “Sturdy is the name of the game for sports gear [storage],” Seltzer says. “Opt for shelving or bins that are durable and meant for heavy-duty use.”
  • Assess the costs: Sports storage solutions for specific sports are plentiful, but they can be costly and sometimes take up too much space, especially if you need storage for multiple sports. Consider lower-cost options, like clear plastic bins and shelving, if accommodating multiple sports.

10 Sports Gear Storage Ideas to Declutter Your Home

Declutter your home by trying one or more of these 10 sports equipment storage ideas.

#1 Create a Sports Gear Storage System in the Garage

The garage offers a prime, grab-and-go spot — and a great place to hide stinky, dirty equipment. Consider installing a garage sports storage system, such as one with wall hooks or cabinets. Add a shoe rack to hold cleats or sports shoes, and a mini bench for taking shoes on and off in the garage. Cubbies and bins can contain balls, and wall hooks can be used to hang helmets, rackets or bats.

#2 Maximize Wall Space for Sports Gear

Wall-mounted racks and hooks allow you to keep items off the floor. “It’s a great way to store larger items like rackets, paddles, lacrosse sticks, and even skis,” Kessman says. Try these sports gear storage ideas:

  • Shelves: Customize adjustable shelves to fit various sizes of equipment and to hold smaller, labeled bins or baskets.
  • Pegboards: Hook helmets, gloves, bats, and more to a wall-mounted pegboard. Also, attach baskets to the pegboard for smaller gear.
  • Hooks: Use wall hooks to hang longer vertical items, like bats and rackets.

#3 Sort Sports Gear into Bins and Baskets

Bins and baskets are versatile and can help you keep similar items together., They also make it easy to transport equipment, Kessman says. You can use plastic bins or five-gallon buckets to store balls, helmets, and smaller equipment. For bulky items, like hockey equipment, look for larger, vertical bins or rolling storage carts. Also, open bins are great for grab and go, but lidded bins stack well and can keep out bugs and dirt, George says.

#4 Designate a Closet for Sports Equipment Storage

Consider designating one closet in the house to sports equipment. Maximize a storage closet or linen closet by adding hooks to the back of a door, recommends Sarah Blevins, a design specialist at Villa, which specializes in accessory dwelling unit construction in California. Also, use adhesive wall hooks in the interior closet wall to hang rackets or even small mesh bags of lightweight sports gear. You also could use the closet bar to hang mesh bags full of gear. Store tall, narrow pieces vertically. Bins on the shelves can hold jerseys and game day clothes to make them easily accessible.

#5 Hide Sports Gear

When space is tight, take advantage of under-the-bed storage bins with wheels, Blevins suggests. “I would recommend investing in a wooden frame box with wheels. Soft side boxes tend to deform when overstuffed and can make them more difficult to pull out from under a bed or couch. Sturdy sides will help prevent you from overfilling, and the wheels will make accessing the bin easier.” Also, multifunctional furniture — like ottomans and benches — offer more hidden storage opportunities. “If you’re tight on space, opt for pieces with drawers,” Blevin says. In a pinch, “a coffee table can double as storage for soccer balls and other sports gear.”

#6 DIY a Sports Gear Storage Solution

You can find plenty of hacks on the internet for DIYing a sports storage solution, such as using wooden crates stacked on top of one another to hold hand weights, kettle balls, and elastic straps. Or, construct a “bungee cord organizer” by building a rectangular, wooden frame and attaching bungee cords to the side for storing balls inside vertically. If your garage has unfinished walls, take advantage of the vertical wooden beam studs: Nail horizontal wooden slats between two beams to create a place to tuck in bats, hockey sticks, and rackets.

#7 Repurpose Items for Sports Gear Storage

Household items easily can be repurposed to store sports gear, like using mesh see-through laundry bags, buckets, or trashcans as ball holders, or three-bin laundry sorters on wheels to fill with larger vertical items, like rackets. You could also repurpose a hanging closet six-shelf organizer to store helmets horizontally.

#8 Look for Systems for Specific Sports Gear Storage

Google “sports rack,” “garage sports storage,” or “sporting goods storage ideas” to find solutions at retailers. Standalone and wall organizing systems geared to specific sports are plentiful, so you don’t have to piece together a solution yourself. Here are examples of some of Brock’s favorites:

  • Racket holders: A wall-mounted plate with four double-hooks to hang paddle boards, tennis rackets and pickleball equipment.
  • Multilayer, freestanding ball organizer: A vertical tower with ball holders and baskets.
  • Golf club organizer: Racks to store two pairs of golf clubs as well as shelves for shoes, balls, and other sports accessories.

#9 Hang Sports Gear from the Garage or Basement Ceiling

Free up floor space by using the ceiling in the garage or basement, such as with ceiling-mounted hooks or shelving to store less frequently used items, like canoes, surfboards, kayaks, or sleds. Ceiling hooks also can be great for storing bikes. Or you can hang a netted hammock from the ceiling for storing lighter-weight equipment like balls and gloves.

#10 Hide Sports Gear in a Stylish Mudroom

Who said storing sports gear can’t be functional and still look glamorous? A mudroom off the back entry of your home can become an organized sports mecca that hides the mess behind stylish cubbies and benches.

David Ciccarelli, founder and CEO of the vacation rental platform Lake.com, needed a solution for his active family’s sports gear. He enlisted the help of interior designer Deborah Salmoni, who also appears on HGTV’s “Scott’s Vacation House Rules” and who had renovated his cottage. Salmoni designed a mudroom for the family that consisted of four cubbies for each child, outfitted with six “double hooks” to offer up twice as many hanging spots for sports equipment, from skipping ropes to tennis rackets, coats, and more. Upper cubbies offered additional storage.

Whichever storage solution you use, “make sure you choose a system that works for your kids,” Seltzer says. “If they can’t reach the gear, or it’s too hard to grab, it will all end up on the floor. So, try it out with them and practice getting things in and out of the bins and shelves.” After all, practice makes perfect, and that applies for clearing the sports clutter, too.

FireplacesHome MaintenanceMoldUncategorized January 24, 2025

Home Trends for 2025: Value – Added Insights

Home Trends for 2025: Value-Added Insights

By: Melissa Dittmann Tracey

Published: December 20, 2024

Real estate pros and home designers weigh in on hot home design trends that may have timeless appeal – and the ones you need to approach with caution.

Home trends can be hot one minute but not so hot the next. So, how can you tell which home design trend will survive or even be a classic someday versus one that might fade faster than you can say “carpeted bathroom.”

It’s important to think about why that distinction matters. Home renovations, appliances, and furniture are expensive, and you don’t want to waste money by having to undo a project. In addition, you don’t want to live with features that look outdated or could even hurt your home’s resale value one day.

As the 2025 home design predictions flood in, use caution before jumping on the latest home trend. Consider that 2025 is embracing a “maximalist,” colorful, extra-personalized aesthetic. That’s a big shift from what had been trending — more neutral, less busy, minimalist interiors. (You know, the ones that real estate professionals tend to favor for resale.)

“I always advise not to overdo a home with trends, as they can be liked by some but not by all,” says Krisztina Bell, a home stager and owner of No Vacancy Home Staging in Atlanta. That advice is particularly important when selling a home, she adds. Plus, as designers and real estate pros can attest, “we never know exactly which trends will have staying power,” says Cindy Raney, founder of Coldwell Banker Global Luxury’s Cindy Raney & Team in Fairfield County, Conn. “I wasn’t sure if brass was here to stay a few years ago and can confidently say we still love it.”

Balance is key in “expressing personal style with home design trend choices and at the same time maintaining broad buyer appeal for eventual resale,” Raney explains. “Some trends have long-term potential, while others can quickly date a space or limit its resale value.”

You can avoid a pricey trend misstep by checking out real estate and staging pros’ insights about the staying power of these seven home design trends for 2025.

#1 Home Trend for 2025: Brassy Fixtures

Brass metals are making a comeback. The last run featured shiny, polished brass that coated kitchens and bathrooms in the 1980s and 1990s. But the more modern look is brushed gold or unlacquered brass. These versions are less shiny and more smudgeproof than past iterations. Brass has re-emerged as on-trend for lighting fixtures, cabinet pulls, and faucets. It’s also getting mixed alongside other metal finishes, like matte black, chrome, or brushed nickel.

Will it last? “It’s adding that bit of flair and an upscale feel to a home,” Bell says. Still, don’t overdo it. Over the years, “brass and gold hardware come back ‘in’ trending-wise and then you see it go right back out of style,” she adds. “But it seems brass and warm brushed metals are still going strong. They are hanging around when it comes to decorating and even staging a home. When it comes to selling a home, I really don’t see it as a make or break in a sale. It can always be changed out.”

Verdict: Has staying power, especially when used as an accent

Tips:

  • Get the right finish: Use unlacquered brass or brushed bronze.
  • Combine brass with other metals: Options include matte black, chrome, and brushed nickel.
  • Focus on bathrooms and kitchens: “In Atlanta, we are still seeing the use of all colors of metals. Gold, brushed gold, and brass are trending in bathrooms, specifically in the lighting and the sink and cabinet hardware” Bell says. “It’s becoming a focal point, especially in kitchens and bathrooms.”

#2 Home Trend for 2025: Biophilic Design

Biophilia may sound like a medical condition, but it’s actually a trend centered on increasing a home’s connection to nature. And it’s the top trend that designers, contractors, and homebuilding professionals are identifying for the new year, according to Thumbtack, a home professionals site. You can try out this home trend by adding more plants and greenery, filtering in more natural light to the interior, or embracing neutral, earthy color palettes and materials.

Homebuilding giant Taylor Morrison also says they’re committed to the trend for 2025. The homebuilder will focus on the number, size, and location of windows to improve indoor-outdoor connectivity. For example, they’ll use windows that extend to the floor.

Will it last? “The principles behind this design trend will certainly stand the test of time,” says Kendra Sinclair, Thumbtack’s home trends expert. But biophilia will likely evolve beyond just bringing in plants, according to Danielle DeBoe Harper, senior creative style manager at Moen. “We are seeing a greater application of incorporating nature inside the home,” she said, speaking at a Kalco-sponsored webinar.. “It’s making rooms look less cookie-cutter from others, like with a pebble-shaped stool or organic textures. Wellness and biophilia will remain huge in design, and [biophilia] will intersect with smart home technology and wellness.”

Verdict: Has staying power

Tips:

  • Focus on plants: “Using plants and eco-friendly materials are great options,” says Ashley DeHart, a real estate pro at Realty from DeHart in Fresno, Calif.
  • Consider maintenance: “Be mindful of anything that has a high level of maintenance, as it could be a deterrent for buyers,” DeHart warns. Greenery — like snake plants, ferns, or cast iron plants — can be low-maintenance houseplant alternatives, Thumbtack notes.
  • Think outside the plant box: Bring in other home elements, like a tree stump side table, dried flower arrangements, raw stone plinths, and coffee tables, Sinclair says. Or add art that references the outdoors.

#3 Home Trend for 2025: Wallpaper

Houzz, a home remodeling and design platform, predicts that “richly patterned wallpaper” will be a hot trend in 2025. Bell says she’s seeing more unique, bold-patterned wallpaper featuring geometric shapes or metallic shine. The wallpaper is popping up in smaller areas, like the powder room, or used on the “fifth wall” — the ceiling. “Wallpaper is making a huge comeback. It’s taking on the design world as it adds depth and texture to a room instantly,” she says.

Will it last? “It’s a great way to display a unique personality in a room,” Bell says. “But when it comes to selling a home and staging a home in some instances, wallpaper that has more than three colors and a bold pattern may not be to the taste of potential home buyers. Wallpaper in overly busy patterns or in bold colors could eventually date a home,” she cautions.

Verdict: Proceed carefully and use in small areas

Tips:

  • Be selective about colors and patterns: Keep the wallpaper neutral and choose an easy-on-the-eyes pattern that’s calming, Bell says. That’s especially true if you plan to sell your home soon.
  • Be careful where you use it: “We suggest [wallpaper] could make an appearance in a bathroom or maybe just on an accent wall. It does seem sellers are wanting to make their homes a bit more memorable to buyers,” Bell notes.
  • Think about its positive impact on a room: It can add instant depth and texture.

#4 Home Trend for 2025: Wood Accents

Wood elements, like ceiling beams, trim, millwork, wall paneling, and cabinetry, are adding natural wood tones back into interiors. Natural materials are gaining prominence in home remodels. Eighty percent of home professionals are identifying natural wood (untreated with paint) as one of the top construction materials for 2025, according to Thumbtack’s 2025 home trends report.

Warmer oak tones are back on trend, says Jessica Shaw, director of interior design with the Turett Collaborative in Toronto, Canada. “Oak has had a stronghold with our clients in recent years. But I’m seeing a shift toward more of a French oak and more amber tones [from Anigre wood], which of course was so ubiquitous in the ’90s.”

Will it last? Shaw says she believes the rise of warmer oak tones will remain strong well beyond 2025. Whether it’s a warmer or a darker finish, wooden tones “will forever add warmth and organic richness,” adds Becky Walter, design manager for the custom-build home company Sineath Construction in Asheville, N.C.

Wood textures bring warmth and character to interiors and can complement styles from modern to traditional, notes Raney. “Its timeless appeal often resonates with home buyers too,” she says.

Verdict: Has staying power

Tips:

  • Build richness in your space: Wooden elements can be used to increase the perceived “richness” of a space, says Walter.
  • Use it as an accent: “Pops of accent wood in places — such as hardware, accents, and inlays — create a preciousness to wood. [Wood accents] elevate this material to new heights,” Walter adds.
  • Consider what you pair it with: To avoid the finish from ever appearing outdated, “context is key,” Shaw says. “When paired with modern architecture, a neutral palette, and furniture with contemporary silhouettes, [wood finishes] will naturally feel timeless and of the moment.”

#5 Home Trend for 2025: Hidden Storage

Homebuilder Taylor Morrison’s 2025 trends include paying more attention to “everyday entries” for storage. These might include a small vestibule or hall with a small alcove for shoes, a key drop, or a backpack valet. The builder is also moving laundry rooms, some with more storage space, to the same floor as the primary suite.

More storage is coming to kitchens, too. Larger pantries are outfitted with cabinets and countertops to accommodate more food prep. Also, storage is being added throughout the home, like washing machine cupboards at the top of stairs and laundry zone bathrooms, Houzz notes.

Will it last? “Expanded storage is highly practical and appeals to buyers who value organization and functionality,” Raney says. “These spaces are adaptable for various needs, making them a strong selling point.” Indeed, storage adds utility and clutter control — essential for managing potentially cluttered and messy parts of the home. Those include laundry rooms, kitchens, and mudrooms, Walter adds. Homeowners are more interested in storage, organization, and stocking up in these back-of-house rooms, she notes.

Verdict: Has staying power

Tips:

  • Avoid too much customization: Watch out for overly customized or niche layouts, like too many built-ins that could crowd a room, Raney advises.
  • Use flexible solutions: “Focus on creating flexible, well-designed storage solutions that work for a range of preferences,” Raney adds. That will make a home’s storage not just convenient but also a future selling point.
  • Pay attention to messy parts of the home: Homeowners and home buyers want storage in entryways, but also laundry rooms, kitchens, and mudrooms.

#6 Home Trend for 2025: Calming Outdoor Retreats

Several 2025 home trends reports note an increase in online searches for more “calming and peaceful vibes” in homes. For example, Pinterest searches for “zen house” were up a whopping 405% over the past year. And searches more than doubled for a “cozy reading room,” “cozy sunroom,” and “serene color palettes,” like in blues and greens.

The trend is also heading outdoors. There’s been an uptick in home renovation projects geared to creating calming spaces outside, according to Thumbtack. Projects include garden spaces and the addition of small ponds and fountains.

Will it last? “This one is amazing for resale,” Raney says. “Outdoor living spaces continue to be a top priority for buyers, offering an escape and a place to entertain.” Features like ponds or fountains can add a “unique, tranquil element,” she says. Also these outdoor sanctuaries — which may also include fire pits, comfy seating, and raised garden beds — can offer “a restorative and reflective spot at your home,” Sinclair adds.

Verdict: Has staying power

Tips:

  • Go for a cozy but zen vibe: Consider serene color palettes, a sunroom, or a reading room.
  • Think about maintenance: “Installing native plants in your outdoor space sets you up for more sustainable garden spaces,” Sinclair says. “By factoring in systems like water pumps to keep ponds and fountains full, hardwired landscape lighting to keep you outside as the sun sets, and underground drip water irrigation to help plants thrive, you can truly appreciate your outdoor retreat.”
  • Combine beauty and functionality: “Decorative screen panels, pergolas, plantings, and other structures add an element of both beauty and functionality” and privacy to outdoor areas, says Joe Raboine, vice president of design at Oldcastle APG, an outdoor materials company. “Sound gardens and water features add audible privacy from neighbors or street traffic.”

#7 Home Trend for 2025: Colorful Bathroom Suites

More colorful interiors will mark a stark contrast to the all-white and neutral bathroom suites trend, according to Houzz. Its designer and remodeling survey predicts more green in bathroom color schemes, alongside shades of brown, pink, and blue, even for vanities, tubs, and basins. Hues of teal, mint, and lilac are adding a more retro style but with a modern twist.

Will it last? “Colors like green and teal tap into nature-inspired design, creating a calming effect,” Raney says. “When used thoughtfully, they can make a bathroom feel unique and modern. But bold fixtures in less common colors may polarize future buyers, as many still prefer neutral designs for bathrooms.”

Also, while non-neutral colors are gaining popularity, they’re not yet mainstream. A separate survey, Houzz’s 2024 U.S. Bathroom Trends Study, shows that white and off-white are still the most popular color for countertops, shower walls, and interior walls.

Verdict: Proceed cautiously and use color for accents or walls only

Tips:

  • Use accents: Try bringing in more colorful accents, like towels or artwork, or even painting the walls a bright hue.
  • Be careful with fixture colors: Avoid choosing sinks and tiles in colors like black,pink, purple, or blue.
  • Keep costs in mind: The average bathroom renovation could cost $35,000, according to the National Association of REALTORS® “Remodeling Impact Report.” So, “proceed cautiously, especially if you are thinking of selling in the next few years,” Raney says.

If you’re looking to incorporate a home design trend or two and want a low-risk starting point, Raney has suggestions. Experiment with bolder designs in smaller areas of your home, like home offices, powder rooms, or guest bedrooms. They’re easier and less costly to redo if styles change, she notes. On the other hand, for more expensive home trend projects, like kitchens and bathrooms, choose more neutral colors for the design and fixtures.

Home Maintenance January 23, 2025

Smart Ways to Offset Higher Homeowners Insurance Costs

Smart Ways to Offset Higher Homeowners Insurance Costs

By: Jeffrey Steele

Published: August 26, 2024

Shop carefully for homeowners insurance and don’t leave any price breaks on the table.

If you’ve had homeowners insurance coverage over the past couple of years, you’ve probably felt the pain of soaring costs. Insurers say they’re charging more to compensate for climate change issues, the rising costs of materials, and inflation. You can’t control home insurance companies’ pricing based on market conditions, of course, but you can control some of your costs by being proactive about bundling, pursuing discounts, and more.

Why Homeowners Insurance Costs Are a Growing Problem

In addition to jacking up premiums, some insurers are exiting certain markets. Large insurers like Allstate, American Family, Nationwide, Erie Insurance Group, and Berkshire Hathaway have eliminated natural disaster coverage, including wind and hail, from their policies in some areas.

Homeowners insurance coverage in Florida has been especially hard hit. Insurers say they’ve been forced to hike rates or exit the state entirely. In the past half dozen years, devastating hurricanes have brought billions of dollars in insured losses, spurring 36 insurer bankruptcies and spiking average premiums to more than $4,000 yearly. That’s nearly three times the national average, says Samuel Greenes, founder of BLUE Insurance in Farmingdale, N.J.

The problem isn’t just storm damage. Rising property values, state regulations, rampant insurance fraud, and insurers’ hesitation to innovate have all worsened Florida’s issues, says Angel Conlin, chief insurance officer at Chicago-based Kin Insurance. High costs and the lack of coverage have even convinced some homeowners to leave the state.

Home insurance costs are still rising because of insurance companies’ previous losses based on inflation, the elevated cost of building materials and the probability of future extreme weather-related losses, according to a 2024 analysis by Bankrate.

Homeowners Insurance Costs Vary Widely by Location

Homeowners insurance rates can fluctuate wildly, based on location. Bankrate’s analysis of average home insurance costs showed that policies with $300,000 in dwelling coverage can cost less than $1,500 per year, as seen in Vermont, West Virginia and New Hampshire, but cost well over $4,000 a year in states like Florida and Louisiana.

In some cases, fluctuations occur in the same state, Greenes said. For instance, according to 2021 data, the average annual premium in Florida was $3,588, with Miami-Dade at $7,256 a year and rural Liberty County averaging only $1,317 yearly, he explains.

Individual costs for insurance coverage depend on factors such as your location and that region’s weather-related risks, the amount of coverage carried, home characteristics such as roof type, deductible, insurance score, claims history, and discounts.

“While some perils are universal — a home can get broken into anywhere — others are regionally specific,” Conlin says, pointing to California wildfire risks, Louisiana flooding and hurricane dangers, and Oklahoma tornadoes. “On the other side of the coin, landlocked homes in the Midwest and West — Utah, Wisconsin, Idaho, and Nevada — often have lower home insurance rates because they are exposed to fewer catastrophes like floods, hurricanes, wildfires, and earthquakes,” Conlin adds. “That means they are less likely to suffer damage and require repairs.”

Analyze Limits of Home Insurance Coverage

When shopping for homeowners insurance, it pays to analyze and compare key features, Greenes says. Dwelling coverage limits cover damage to the physical structure. “Make sure limits match the estimated full rebuild costs,” he advises. “Compare replacement cost vs. actual cash value. Replacement is better but more expensive.”

Assess personal property coverage to see if limits are adequate to replace all possessions. Some items, like jewelry, may require special riders, Greenes says. Scrutinize deductibles, because higher deductibles mean lower premiums but greater out-of-pocket costs when making a claim. Weigh the trade-offs to reach an ideal level.

Essential Areas of Homeowners Insurance Coverage

When shopping, homeowners should consider issues including:

Amount of Liability Coverage

Take the time and effort to correctly estimate the value of your personal belongings, Conlin advises. Review your liability coverage, which may need to be higher than the typical $100,000 if you host large parties. And know what’s excluded from home insurance.

Construction and Repair Loss Exclusions

“Many homeowners insurance policies exclude losses related to the construction, repair, or demolition of a home when these are required by ordinance or law,” Conlin says. “For example, if your home insurance has this exclusion, your insurer most likely won’t pay for any upgrades required by new building codes.”

Neglect and Weather Exclusions

Other exclusions in your homeowners policy may include earth movements such as earthquakes, landslides, mudslides and sinkholes, Conlin says. Water from flash flooding is often excluded, as are power failures if they occur away from your home. Insurance companies typically won’t pay claims to homeowners who didn’t take care of their properties. War and nuclear hazards aren’t covered, nor are intentionally caused damages and losses as a result of government action, she adds.

How to Manage Homeowners Insurance Costs

Here are key ways to rein in your homeowners insurance expenses:

Shop and Compare Insurance Providers

Go on a home insurance shopping spree, advises Tyler Grizzle, a partner in Bluffton, S.C.-based GSP Insurance Group. “Compare, compare, compare!” he says. “Quotes are your best friends. And just like in any relationship, check out your insurer’s reputation and stability. If switching, watch out for those sneaky fees and coverage gaps.”

Bundle Home and Auto Coverage

“Bundle home and auto policies, which often yields substantial savings,” says Robert Schmied, lead financial consultant with Switzerland-based Kredite Schweiz.

Add Home Features and Upgrade Systems

Other cost-reducing measures include taking advantage of discounts for implementing energy-efficient features, weatherproofing, and installing home security features,” Schmied says. “Upgrading plumbing and electrical systems can also reduce premiums.”

Explore Statewide Discounts and Credits

Conlin also recommends exploring additional discounts including wind mitigation credits. “Florida homeowners know how important a roof is,” she says. “It can be the difference between a home being destroyed or staying intact during a hurricane. The more wind resistant your roof is, the more you’ll save on your home insurance.”

California homeowners may benefit from a fire mitigation discount, based on steps taken to make homes more resistant to wildfires, Conlin adds. Discounts may be available for ember-resistant venting and annual brush removal contracts.

Research New Construction and Community Discounts

Homeowners may be eligible for discounts if their homes were built less than six years ago by accredited builders, defined as active builders providing warranties that cover defects in workmanship or materials. Community-based discounts may be available to those whose homes are part of a homeowners association, are in mobile home parks, or are part of secured communities. “The logic here is that HOAs and mobile home parks typically have quality standards for home maintenance,” Conlin explains.

Check for More Varied Discounts

Other discounts offered include those for mature homeowners 55 and older, new homeowners who bought a home in the past year, and owners of qualifying LEED-certified homes, Conlin says.

Policy Factors That Affect Cost

No two home insurance policies are precisely the same. Conlin says it’s important to weigh the factors that might impact cost:

  • Property insurance. Policies offering replacement-value coverage for personal property tend to cost more than those offering actual cash-value coverage.
  • Property liability limits. A policy with $100,000 in personal liability coverage costs less than one with half a million coverage, but insurers believe the former level is inadequate.
  • Deductible. The higher your deductible, the lower your premium, but make sure you can afford the deductible.

Top 10 Tips to Save on Homeowners Insurance Coverage

Here’s an at-a-glance summary to reduce your homeowners insurance expenses:

  1. Shop, compare, and change carriers if necessary.
  2. Bundle home and auto insurance coverage.
  3. Add energy efficiency, weatherproofing, and home security features.
  4. Upgrade plumbing and electrical systems.
  5. Explore wind mitigation credits and fire mitigation discounts.
  6. Ask about accredited builder discounts.
  7. Inquire about discounts for being part of a homeowners association.
  8. Check into homeowner discounts for those 55 and older.
  9. Look into new homeowner discounts for those buying in last year.
  10. Investigate LEED-certified home discounts.

The most basic advice is to review your policy annually. “By keeping track of any changes to home or family, you can ensure you always have the right coverage and the right provider for your situation,” Conlin says

FireplacesHome MaintenanceMoldUncategorized January 22, 2025

Home Weatherization and Weatherproofing Guide: Protect Your Home From Storms and Extreme Weather

Home Weatherization and Weatherproofing Guide: Protect Your Home From Storms and Extreme Weather

By: Melissa Dittmann Tracey

Published: October 31, 2024

Find practical ideas to better protect your home against whatever nature throws your way.

One of the latest buzzwords in home maintenance is weatherproofing — equipping your home to better withstand heavy rains, wind, snow, and extreme temperatures. Recent climate events — from wildfires and severe storms to floods and extreme heat or cold — are motivating more homeowners to take action or step up what they’ve done in the past. Meteorologists are predicting a La Niña weather system for the winter, which could bring a mix of weather conditions across the U.S.

Sixty-four percent of the 1,200 homeowners surveyed by HIPPO, a home insurance group, say they’re concerned about severe weather or climate threats damaging their homes. More than half (56%) say they’ve already experienced damage.

Protect Your Investment: Why You Should Weatherproof

“We can’t prevent the weather, but we may prevent things from going wrong in our homes,” says Mark Olson, home insights expert at HIPPO. For example, an improperly sealed basement window can lead to flooding after heavy rains (a repair not covered by most standard homeowner’s insurance policies). “Weatherproofing your home also might lower the cost when unexpected [problems] do occur,” Olson adds.

Weatherproofing also may save you money on your energy bills, with savings, on average, from $150 to $1,200 per year, according to the American Council for an Energy-Efficient Economy.

Expert Weatherproofing Tips: Weatherization Ideas for Every Budget

Experts offer storm and weatherproofing ideas that will make the most difference in your home based on three budget levels: low, medium, and high-end:

Effective Weatherproofing Tips: Budget-Friendly Ideas Under $350

Use Insulation Wraps

Water heaters, often located in areas like an unfinished basement or garage, may benefit from a water heater insulating blanket (best for electric water heaters). It could reduce a system’s heat loss by up to 45% and even cut water heating costs by up to 16% in cooler months, according to the U.S. Department of Energy.

Estimated cost: $35 to $43

Have an Annual Inspection

Have inspections conducted annually to check the roof, the fireplace, and your home’s key systems — like HVAC and water heaters (have them drained too!). Leaves, bird nests, and other flammable materials can accumulate in fireplaces, posing fire risks. (For about $300, a chimney cap to block can block cold drafts, debris, and pests.) Also, self-inspect the attic for moisture, discoloration on walls or ceilings, or signs of pests. “An attic is an early warning system for your house,” Olson says. “You can learn a lot about the overall health of your home and roof by keeping an eye on your attic.”

Estimated cost: $150 to $300

Add Weatherstripping and Caulking

Caulking and weatherstripping can prevent drafts and waterproof your house. Caulk tends to last five years, but that can vary greatly. “Look for gaps where cables enter your home, small holes in your flooring and walls, doors, and windows — anywhere a draft could be entering your home,” says Stuart Bensusan, director at Surewise, a home insurance company. “Sealing up small gaps and cracks in your home can help bring serious savings on your heating bill.” Also, weatherproof a door by attaching a door sweep to the bottom to block drafts.

Estimated cost: $350

The Department of Energy’s Weatherization Assistance Program provides weatherproofing services to about 35,000 eligible low-income households annually. On average, households save $372 or more per year. Learn more about your state’s offerings at Energy.gov.

Smart Weatherproofing Solutions to Weatherize for Under $1,500

Get an Energy Audit

A professional energy audit can flag problem spots. Diagnostic tests may include a blower door test or infrared imaging to detect air leaks, and inspections of windows, doors, and appliances. Based on the findings, tackle your home’s problem areas with caulk, weatherstripping, and other air-sealing methods. (Savings tip: Some utility companies offer a free or low-cost energy audit, says Docia Boylen, owner at Handyman Connection of Golden in Conifer, Colo.)

Estimated cost: $420

Use Low-E Windows or Coverings

Window weatherproofing could consist of swapping in a Low-E coated glass or film to minimize heat loss, says Kyle Barr, a vice president at Storm Guard Roofing and Construction in Lillian, Ala. In colder climates, look for window weatherproofing film with higher solar heat gain coefficient, or SHGC, ratings — like 0.30 to 0.60 — which filter out less natural light, and for warmer climates, lower SHGC ratings — less than 0.27.

Coverings like drapes can also help. “One of the best investments, especially if your windows are old, is thermal curtains,” says home renovation expert Drew Mansur, director at TileCloud in Australia. “They not only spruce up your interiors but also provide an additional layer of insulation to keep the cold out.”

Estimated cost of Low-E windows and coverings: $600

Fix Drafty Air Ducts

Ducts leaking even 20% of conditioned air passing through forces systems to work 50% harder and increases utility bills, finds a report from the University of Florida. A leaky duct can also cause higher indoor humidity, triggering mold and mildew. Most heating and air ducts are sealed with tape when first installed, but that tape can break down over time. Ductwork also may have holes or loose sections, rust, leaks, clogs, or condensation — all requiring repairs by HVAC professionals.

Estimated cost: $600

Plant Windbreaks

Landscaping can provide windbreaks to reduce wind around a home by up to 50%, as well as prevent snow drifts and reduce heating costs, according to the Department of Energy. “Dense evergreen trees and shrubs planted to the north and the northwest of the home are the most common type of windbreak,” the DOE notes. “Trees, bushes, and shrubs are often planted together to block or impede wind from ground level to the treetops.” A row of evergreen and deciduous trees, such as maple trees, can be effective, but two rows of staggered trees create a denser wind screen.

Estimated cost: $200 per evergreen tree

High-End Weatherproofing Tips: Invest $1,500 and More

Install Attic Insulation

“Large amounts of heat can quickly be lost in a poorly insulated attic,” Bensusan says. The North American Insulation Manufacturer Association estimates nearly 90% of existing homes in America are underinsulated. Extra attic insulation also can protect pipes — like water lines in the attic — from freezing and bursting.

Estimated cost: $1,700 to $2,000

Upgrade Windows and Doors

Weatherproofed exterior doors and windows are more energy-efficient. Windows consist of double panes of glass, and doors have extra insulation. “This is both a great way to save on your bills and increase the value of your home,” Boylen says. Depending on your climate, hurricane shutters — made of aluminum, steel, or polycarbonate — can add protection against wind-blown debris. Also, storm windows and doors that fit over the outside of existing ones add a protective layer.

Estimated cost: $7,500

Replace Your Roof

Roofs typically last 20 to 30 years. When your roof is due for a replacement, consider weatherproof roofing materials. Pricier metal or tile roofs are more apt to withstand heavy winds and rain than lower-cost asphalt shingles, which gusty winds can tear off. Depending on your climate, hail-resistant shingles could benefit you.

“Whether your roof is in good condition or not, you can always make it more weatherproof,” Mansur says. For example, rigid insulation boards or a new weatherproof layer can add insulation and protection, he says. Also, solar panels can protect a home against power outages caused by extreme weather. The costs for installation — anywhere between $10,000 to $30,000 — may be offset with a 30% federal tax credit. Solar panels could save homeowners nearly $42,000 over 25 years, according to EnergySage.

Your roof is your main line of defense against extreme weather, particularly wind and rain. “Relatively minor damage to a roof can result in some very expensive damage to the interior of the home,” says David Hinson, a professor at Auburn University’s School of Architecture who focuses on incorporating enhanced energy performance features into affordable homes. If your roof is worn out, see replacing it as a golden opportunity to make your house more climate-resistant. New materials and technologies have helped roofs better withstand high winds.

Estimated cost: $9,000

Invest in Resilient Design

The smartest weatherproofing ideas come from the principles of resilient design, which incorporates elements like stronger windows and roofs, higher insulation, fire-resistant materials, and passive energy sources to create a home built for maximum protection. These improvements are more expensive than some of the routine fixes you may be used to, but investing for the long term will build your home’s protection and save money over time

Home Maintenance January 22, 2025

A guide to Bathroom Remodel Costs

A Guide to Bathroom Remodel Costs

By: HouseLogic

Published: August 30, 2024

Looking for a refresh or an overhaul? Either way a bathroom remodel could be just the thing to boost home value and your enjoyment of the space.

Many homeowners are excited to turn their bathrooms into a spa-like oasis with exciting upgrades. But before starting an ambitious remodel, it helps to understand the costs of such a project. Let’s review various factors in bathroom remodeling and the associated costs.

Factors Influencing Bathroom Remodel Costs

Remodeling costs vary based on components like location, labor, and the size and style of the space. Here are a few factors to consider:

Size and Scope of Your Bathroom Remodel

Size is self-explanatory – the square footage involved. The scope of your project could include existing plumbing, the difficulty of demolition, the floor plan and layout, the number of upgrades and fixtures, and the doors and windows. Problems that require repair (such as water damage) may add to your costs. A complex project with many changes will cost more than a few surface-level or small-scale changes.

Permits and Regulatory Costs

Permit requirements vary by location. Check with local authorities about county or municipal codes and get an understanding of current permit costs. You may need to factor in $150 to $1,000 for permit costs based on location and project. A contractor can also tell you whether your remodel requires a permit.

Labor and Materials

Labor is one of the primary costs associated with a remodel and rates can vary based on where you live. Interviewing a few contractors in your area will help you plan your labor budget. For a basic bathroom remodel with about 50 hours of labor, expect costs to start at $4,000. For a major bathroom renovation and about 90 hours of labor, expect to pay up to $11,200. The materials also affect the cost of your remodel. Certain materials — like natural stone or quartz countertops, brass faucets, or heated flooring — can make your bathroom look more luxurious, but they may also drive up the price of the project.

Types of Bathroom Remodels

Identifying the depth of changes you’re planning can help you budget for your remodel.

Levels of Bathroom Remodeling

Let’s review a few levels of bathroom remodeling. Your project may not fit easily into just one level, but this offers a look at the options.

  • Cosmetic upgrade: Involves changing fixtures, updating paint, replacing hardware, installing new lighting, and adding accessories.
  • Tile and flooring update: Focuses on changing the flooring and/or wall tiles, which can significantly alter the aesthetics of the bathroom.
  • Plumbing and electrical updates: Can include updating or relocating plumbing and electrical components to improved functionality and efficiency.
  • Luxury remodel: Covers everything from chic changes to updates focused on comfort. It may include installing premium fixtures, using high-end materials, adding luxury amenities like a spa tub, or incorporating advanced smart home features.
  • Mid-level remodel: Includes both cosmetic and functional upgrades, often involving updating fixtures, changing the layout, installing new flooring and tiles, and revamping plumbing and electrical systems.
  • Complete gut and remodel: Requires demolition of the existing space and rebuilding from scratch.

Bathroom Remodel vs. Bathroom Renovation

While the terms “remodel” and “renovation” are often used interchangeably, each has a distinct meaning. A renovation implies a refresh. It may involve repairing or restoring existing elements of your bathroom with cosmetic upgrades. Remodeling implies a wider scope of changes including structural changes, new installations, or a total redesign.

Key Design Elements of a Bathroom Remodel: Costs

Certain design elements of your bathroom can make a big visual impact. Here’s a breakdown of some of the costs associated with these upgrades.

Vanity and Cabinets

Installation of a bathroom vanity can cost $565 to $839, according to Homewyse. These are rough estimates that would be affected by your location and the materials you select. The average cost of refinishing bathroom cabinets ranges from $6.85 to $15 per square foot.

Flooring

The average cost to replace a basic ceramic floor in a 50-square-foot bathroom is roughly $500. However, most bathroom floor replacements cost $250 to $2,500. If you uncover mold or other issues during the remodel, costs would increase.

Ceramic tiles are easy to maintain but can get chilly. At $8 to $15 per square foot to install, radiant mats are a cost-effective solution.

Fixtures: Sinks, Faucets, and Toilets

The cost to buy and install faucets typically falls between $225 and $475. For sinks, expect to pay $300 to $5,500, and for toilets, you may spend between $350 and $3,500.

Lighting

Lighting can make or break a space and is a key functional aspect of a bathroom. If you’re seeking budget-friendly lighting options, a small change can make a big difference. For example, updating the color temperature of the bulbs can quickly warm up the space. For a bigger impact, you might change the fixtures. Homeowners may spend $1,709 to $2,071 on their bathroom light fixtures and installation, according to Homewyse.

Tub and Shower

Shifting your shower plumbing to a different spot in the bathroom can cost as much as $4,100, and purchasing and installing new shower fixtures range from $1,500 to $3,500. Installing a new tub ranges from $1,500 to $2,900.

Tiles and Backsplashes

Updating the tiles in your bathroom can transform the look of the space. Fancy tiles enhance your bathroom’s appearance and contribute to a spa-like feel. Your tile expenses will depend on your project. Some homeowners prefer to stick with tile in the shower; others may use tile for only the floor. Inexpensive tile options like ceramic and porcelain costs $10 to $44 per square foot, including installation. Glass tiles are pricier, at $27 to $114.

Bathroom Remodel Costs Based on Size and Type

The number of components and the size of your bathroom will inform the cost of your remodel. Standard bathrooms include four main components: a bathtub, a shower, a toilet and a sink.

Powder Rooms or Half Bathrooms

A powder room or half bath usually includes just a toilet and a sink. Fewer components may mean these bathrooms are less expensive to remodel than their larger counterparts. You could pay $1,200 to $4,000 for a half-bath remodel.

Three-Quarter Bathrooms

This bathroom style typically includes a shower, a toilet, and a sink. Remodeling costs range from $3,125 to $6,000.

Full Bathrooms

A full bathroom includes a tub, a sink, a toilet, and a shower. Full baths vary in style and size but in general, a full bathroom remodel costs between $5,250 and $16,000, while a partial remodel costs $3,500 to $12,000.

Bathroom Remodel Project Cost by Project Scope

Homeowners can determine the complexity and breadth of their project based on their budget.

Low-Cost Projects

A one-day remodel could give your bathroom a fresh new look without a big price tag. For this type of project, expect to pay as little as $3,000. Consider updates like surface liners on your tub and shower that can visually transform your bathroom in just one day.

Mid-Range Projects

The average cost of a partial bathroom remodel with new flooring and fixtures and some design updates is $5,000 to $15,000.

High-End Projects

Lavish bathrooms with plenty of space and high-end fixtures and finishes come with a steeper price tag. Expect to shell out $27,500 to $100,000 for luxury remodels.

Successfully Navigating Bathroom Remodel Costs

The level of bathroom remodel you choose will depend on your goals, budget, and the condition of your existing space. It’s a good idea to compare price quotes and material costs, develop a clear project plan, and work on a flexible budget before taking on a bathroom remodel.

Bathroom Remodel Cost Frequently Asked Questions

Can I DIY a Bathroom Remodel to Save Money?

If you have renovation and construction experience, you may be equipped to execute a bathroom remodel. But you need to be well versed in the trades and understand local regulations and permits. Performing tasks like painting and decorating could help lower costs, but it’s best to leave complex remodel tasks to the pros if you aren’t experienced.

When Should I Hire a Professional?

For complex projects with structural changes or plumbing or electrical work, consider hiring a professional, who is more likely to do the work safely and up to code. Professionals bring specialized knowledge and skills and are used to tight schedules. They can often complete the project more quickly than DIYers, especially if surprises or issues arise.

How Do I Budget for Unexpected Bathroom Remodeling Expenses

When you budget for your bathroom remodel, identify potential problems such as plumbing, electrical, or structural concerns. Look up common challenges associated with bathroom remodels and assess your space for those issues. Get opinions and quotes from multiple contractors and choose the best option. Lastly, set aside a contingency fund for unexpected expenses.

What’s the ROI of a Bathroom Remodel?

NAR’s Remodeling Impact Report, estimated that homeowners would recover around 71% of the value of their bathroom remodeling investment. About a quarter of real estate agents recommend a bathroom remodel before selling your home. Consider high-ROI projects like accessibility modifications, new flooring, or a tub/shower upgrade.

How Long Does a Bathroom Remodel Typically Take?

Cosmetic upgrades may take a few days to a week. Extensive remodeling work can take several weeks or a few months. The availability of materials, the speed of contractors, and adherence to the project timeline all contribute to the overall time frame. Talk to your contractor about timelines and factor in a buffer period of a week or two when figuring when you’ll have use of your bathroom again.

Uncategorized January 21, 2025

Make an offer like a boss

Make an Offer Like a Boss

By: HouseLogic

These 10 money- and time-saving steps can help you craft a winning bid.

Ah, the offer! Cinematically speaking, this is a key turning point. We’d forgive you if you imagined, say, putting a hand on your agent’s shoulder and whispering (in your best Vito Corleone) that you’re going to make the seller an offer they can’t refuse. In reality, making an offer on a house isn’t that simple — or dramatic.

Know Your Limits | Learn to Speak “Contract” | Set Your Price | Figure Out Your Down Payment | Make an Earnest Money Deposit | Review Contingency Plans | Read the Fine Print | Make a Date to Settle |  Write a Fan Letter to the Seller |  Brace Yourself for a Counteroffer

Your offer marks the beginning of a back and forth between you and the seller, typically with a separate real estate agent advising each of you.

The more intentional you are about your offer, the better your chances of making a successful bid. Follow these nine steps, and you’ll be well prepared.

#1 Know Your Limits

Your agent will help you craft an offer. You can trust your agent’s advice on price, contingencies, and other terms of the deal: It’s a mutually beneficial relationship. The more collaborative you are with your agent, the more quickly you may be able to move.

But ultimately, you will decide what the offer will be, and you know what your financial and lifestyle limits are. Buying a home involves mixing strong emotions with business savvy, so now is also a good time to reflect on your must haves.

  • Have a top limit for your offer price because you’re also saving for retirement and love beach vacations? Stick to it.

If the property you’re considering is governed by a homeowners association, check on the following:

  • Want a vegetable garden or to paint your home’s exterior purple? Make sure your HOA rules permit it or avoid an HOA-governed property altogether.
  • Besides reading HOA rules, find out how much the HOA has in reserves to cover common area repairs. You don’t want to be unexpectedly slapped with a special assessment.
  • Want a dog-friendly community? Make sure there are no pet weight limits preventing you from sharing space with your (extra-large) canine bestie.

#2 Learn to Speak ‘Contract’

Essentially, an offer is a contract. The documents and wording vary across the country.

In the spirit of due diligence, take time to review sample offer forms before you’ve found a house. (LawDepot.com has purchase agreements for each state.) If you’d feel more comfortable with an extra level of information, a real estate attorney can explain the documents to you. That way, you’ll be familiar with the vocabulary when you and your agent are ready to make an offer. Your agent will have offer forms for your state.

Explore More Topics:

Make an Offer & Negotiate

Buy a Home: Step-by-Step

#3 Set Your Price

Homes always have a listing price. Think of it as the seller’s opening bid in your negotiation to buy a home.

When you, as the buyer, make an offer, it will include an offer price. This is the first thing home sellers look at when they receive a bid.

Your agent will research and report on comps, or comparables, to help you determine whether the seller’s listing price is fair. The process involves comparing the house you’re bidding on to similar properties that recently sold and are in the same neighborhood.

Several factors can also affect your bargaining position and offer price. For example, if the home has been sitting on the market for a while or you’re in a buyer’s market, where supply exceeds demand, the seller may accept an offer below the list price. Or, if the seller has already received another offer on the home, that may impact the price you offer. Your agent will help you understand the context.

#4 Figure Out Your Down Payment

To get a mortgage, you have to make a down payment on your loan. For conventional loans (as opposed to government loans), making a 20% down payment enables borrowers to avoid having to pay private mortgage insurance. This monthly premium protects the lender in case the borrower defaults on the loan.

But 20% isn’t always feasible — or even necessary. In fact, the typical down payment in 2023 was 8% for first-time buyers and 19% for repeat buyers, according to the National Association of REALTORS®. Your lender will help you determine the best down payment amount for your finances. Depending on the type of loan you get, you may be able to put down as little as 0% on your mortgage.

You might qualify for one of the more than more than 2,500 programs available from state and local governments, charities, and private lenders to help meet your down payment requirements. Find out more about down payment assistance programs in your state.

You can use an online mortgage calculator to see how different down payments would affect your mortgage premiums and how much interest you’ll pay.

#5 Show the Seller You’re Serious: Make a Deposit

An earnest money deposit, or EMD, is the sum of money you put down to show the seller you’re serious (read: earnest) about buying the house. If the seller accepts your offer, the earnest money will go toward your down payment at closing. However, if you try to back out of the deal, you might have to forfeit the cash to the seller.

A standard EMD is 1% to 3% of the sales price of the home (so, that would be $3,000 to $9,000 on a $300,000 loan). But depending on how hot your market is, you may want to put down more earnest money to compete with other offers.

In most cases, the title company is responsible for holding the earnest money in an escrow account. If the deal falls through, the title company will disburse the funds appropriately based on the terms of the sales contract. Title companies also check for defects or liens on a seller’s title to make sure it can be transferred cleanly to you.

#6 Review the Contingency Plans

Most real estate offers include contingencies — provisions that must be met before the transaction can go through. If not, the buyer is entitled to walk away from the deal with their EMD.

For example, let’s say an offer says the contract is contingent on a home inspection. The buyer will have a set number of days after the offer is accepted to have the property inspected by a licensed or certified property inspector.

If the home inspector identifies problems with the house, the buyer can ask the seller to make repairs. But most repairs are negotiable. The seller may agree to some but say no to others. Or the seller may offer a price reduction or a credit at closing, based on the cost of the repairs. Your real estate agent can offer value and counsel on what you should ask the seller to fix.

Keep your eye on the big picture. If you and the seller are bickering over a $500 repair to the hardwood floors, that’s a drop in the bucket relative to the size of the bid.

Other Common Contingencies

In addition to the aforementioned home inspection contingency, other common contingencies include:

  • financing contingency, which gives home buyers a specified amount of time to get a loan that will cover the mortgage.
  • An appraisal contingency, in which the lender hires a third-party appraiser to evaluate the fair-market value of the home. This validates that the home is worth enough money to serve as collateral for the value of the mortgage.
  • clear title contingency, where the buyer’s title company verifies that the seller is the sole owner of the property and can legally convey ownership to the buyer.
  • home sale contingency, where the transaction depends on the sale of the buyer’s current home.

Although contingencies can offer protection to buyers, they can also make offers less appealing to the seller. That’s because they give buyers legal ways to exit the sale without any financial repercussions. So, if you’re going up against multiple offers, having fewer contingencies can give you an edge over the competition.

In other words, a chill offer is an attractive offer. But keep in mind you have to be comfortable with the risks of this strategy. If you don’t have a financing contingency, for example, and you can’t get a mortgage, you’d likely lose your earnest money deposit, since you’re on the hook. That outcome is decidedly unchill for you.

#7 Read the Fine Print About the Property

The sales contract states key information about the property, such as the address, the tax ID, and the types of utilities: public water or private well, gas or electric heating, and so on. It also includes a section specifying what personal property and fixtures the seller agrees to leave behind, like appliances, lighting fixtures, and window treatments. The seller provides prospective buyers with a list of these items before the buyers submit an offer. This can be another area of negotiation.

Carefully reviewing the property description also helps you know, for example, if the seller plans to take that unattached kitchen island with them when they move. Stranger things have happened.

#8 Make a Date to Settle

The sales contract you submit to the seller must include a proposed settlement date confirming when the transaction will be finalized. The clock starts as soon as the purchase agreement is signed. If you don’t close on time, the party that’s responsible for the delay may have to pay the other party in the form of “penalty interest” at a predetermined rate.

A 30- to 60-day settlement period is common because it gives the typical home buyer time to complete a title search and obtain mortgage approval. However, settlement periods can vary. Some sellers, for example, prefer a longer period so they have more time to move or look for their next house. Being flexible about the closing date could give you more negotiating power in some area of the deal.

One thing that’s the same no matter where you live is that you’ll have a three-business-day period before settlement to review the closing disclosure, or CD. This five-page form states your final loan terms and closing costs.

Once the sales contract is signed, the parties can change the settlement date if they both sign an addendum specifying the new day.

#9 Brace Yourself for a Counteroffer

If you’re making a lowball bid or going up against multiple offers, the seller may decide to make you a counteroffer — a purchase agreement with new terms, such as a higher sales price or fewer contingencies.

At that point, you can accept the new contract, make your own counteroffer to the sellers, or walk away.

Don’t panic: The next part of our guide walks you through the counteroffer process and offers strategies to give you more negotiating power

FireplacesMoldUncategorized January 21, 2025

Is Mold Covered by Insurance? A guide for Homeowners

Is Mold Covered by Insurance? A Guide for Homeowners

By: Melissa Dittmann Tracey

Published: October 31, 2024

Know what’s covered — and what’s not — when it comes to mold issues in the home.

Mold is the dirty little secret many households don’t want to talk about. You can find it lurking in damp corners, under floors, or even inside air vents. It’s a serious issue for your home and your health, and you can’t afford to ignore it.

Mold can damage your home, ruining drywall, woodwork, and more. It can also cause a range of health symptoms, from allergy and respiratory reactions like asthma to skin rashes. And mold can even decrease your home’s value by an estimated 20% to 37%, according to academic research published in the spring 2005 issue of the “Appraisal Journal.” The article is based on litigated toxic mold cases and other research.

Despite the risks, mold is a common household problem. Nearly every indoor environment has mold spores. But you can prevent mold problems. DIY and professional mold remediation solutions can help, but they can be costly. That’s why some homeowners turn to their homeowners insurance to help defray costs.

“Mold coverage in homeowners insurance can vary by case, with not every situation covered,” says Peter Piotrowski, chief claims officer at Hippo, a national property insurance company. “Mold issues are complex to handle due to the difficulty in removing [mold] and tracing its origin — key factors when filing a claim.”

This detailed guide highlights what you need to know about homeowners insurance coverage for mold, plus how to better manage and prevent mold issues.

What is Mold, and Why Is It a Concern for Homeowners?

Mold is a form of fungus that can be found wherever moisture and oxygen exist, according to the U.S. Environmental Protection Agency. It typically grows when excess moisture accumulates and can be found on many surfaces, like wood, paper, carpet, and food, and even in the air you breathe. Mold can quickly spread through tiny reproductive cells called spores, which can travel through the air and around a household. Mold is most commonly found in high-humidity areas, like bathrooms and basements, but can also exist behind walls or under the home’s flooring. (Learn more: Unexpected Places Mold Can Hide.)

Is That Mold?

Color: Black, white, orange, gray, green, or brown
Texture: Fuzzy, powdery, fluffy, slimy, or spongy
Smell: Musty, damp, pungent, or stale
Location: Found on surfaces like wood, paper, carpet, and food, and even in the air; mold thrives in dark damp spaces

Mold can cause structural damage in homes — for example, to the drywall, insulation, and other building materials. Prolonged exposure to mold can also affect your health. Mold has been associated with respiratory issues, like allergy symptoms and asthma, leading to shortness of breath, runny noses, red eyes, headaches, dizziness, and skin rashes, according to the EPA. Mold exposure can particularly harm children, the elderly, and those with pre-existing illnesses.

When Does Home Insurance Cover Mold?

Standard homeowners insurance policies cover mold remediation only if the mold is caused by a “peril” — a “sudden” or “accidental” event.

“Insurance policies typically outline instances of sudden and accidental water damage, such as mold claims from burst pipes, broken appliances, or overflowing toilets,” says Cassie Sheets, data analyst and journalist at Insurify, an insurance comparison resource. “If the mold isn’t a result of a sudden or accidental event, it will likely not be covered.” For example, an insurer could classify mold from a gradual water leak — like one under the sinks or from basement seepage — as owner neglect, not a peril. Claims for such situations would likely be rejected, Sheets says.

“Reviewing your policy in detail will clarify which mold-related damages are covered,” Piotrowski adds. “Before signing or renewing a policy, it’s wise to research which mold scenarios are included. This way, you’ll know what to expect if a claim becomes necessary, and you’ll be prepared for any deductible or costs involved.”

Mold: What Does Insurance Cover or Not Cover?

Here are some scenarios that are common but that a standard homeowner’s insurance policy may or may not cover. However, insurance policies differ widely, and you’ll want to review you policy carefully.

Events likely to be covered: Events unlikely to be covered:
A water heater rupture Mold in the shower
An overflowing dishwasher An ongoing leak that a homeowner failed to promptly fix
Appliance or equipment malfunction Damage from a flood or heavy rainstorm (this usually requires a separate flood insurance policy)
Frozen, leaking, or burst pipes Sewer backup
Water overflowing within a plumbing system, HVAC unit, or appliance Sump pump failure
Damage caused by the weight of snow, ice, or sleet Poorly sealed doors or windows
Sudden, accidental discharge of water, for example, from burst pipes Poor ventilation in high humidity areas, like the bathroom
Sources: Insurance.com and Hippo

When Home Insurance Does Not Cover Mold

In some situations, your insurance may not cover mold damage, leaving you to foot the bill for cleanup. Uncovered insurance claims from mold damages often stem from homeowner neglect in maintenance, Piotrowski says.

Insurance companies often require homeowners to report any mold issues promptly if they’re seeking to file a claim. If a homeowner becomes aware of a mold issue but lets the mold spread — such as with an unaddressed water leak — an insurance adjuster would likely decline a claim because of homeowner negligence, Piotrowski says.

Also, standard homeowners insurance policies typically don’t cover mold issues that were caused by damage before the policy start date or were present before the home purchase, Piotrowski notes. “A thorough inspection when buying a new home can help identify any mold risks” prior to purchasing a home, he says.

Supplemental Home Insurance Coverage Options

Homeowners insurance companies offer endorsements, which provide additional coverage and protection to a home. They can be added to a standard homeowner’s insurance policy.

“If a homeowner wants more protection from mold, they can purchase separate endorsements for comprehensive mold damage coverage,” Sheets says. Homeowners who live in high humidity areas or have homes made with materials more prone to mold — like wood or vinyl —may want to consider purchasing supplemental insurance. But as always, “be sure to compare rates and limits from multiple insurers to get the best coverage,” she adds.

Supplemental insurance, like sewer backup or hurricane coverage, may cover mold if it results from a covered event, Piotrowski says. “Adding a mold endorsement or purchasing flood or hurricane insurance can also increase protection.”

Here are a few add-on homeowners insurance riders to consider for extra protection against mold:

Sewer Backup Insurance

This covers damage from broken sump pumps or clogged sewer lines, which could cause backups in a bathtub, toilets, basement, or other places around the home. The damage may be caused by clogged pipes, tree roots, or broken pipe lines. This endorsement will help pay for repairing a sewer line or removing sewage and water from the house, either of which may have caused the mold. This endorsement is sometimes called “water backup insurance” or “drain line backup coverage.”

Hidden Water Damage Coverage

This provides protection from water leaks that can occur behind walls or cabinets, beneath floors, or in other unseen areas. These types of water leaks could cause major damage over time, leading to extensive mold issues.

Flood Insurance

A flood insurance policy can cover damage caused by water entering a home because of heavy rains, overflowing rivers, or nearby waterways. Still, mold will be covered only in certain situations. The National Flood Insurance Program generally won’t cover mold damages unless the owner can’t access their home because floodwaters remain around the home and are keeping the owners from preventing further damages, according to the Federal Emergency Management Agency.

Windstorm and Hurricane Insurance

Windstorm and hurricane insurance protects properties from damage caused by wind, hail, or hurricane hazards. It typically covers physical damages to the property, including mold that may be caused by water damage, as well as the loss of the owner’s personal belongings.

Mold and Earthquake Insurance

This covers mold damage and earthquake-related losses, addressing gaps left by standard home insurance.

Is It Worth Filing a Claim?

Your homeowner’s insurance policy can help offset pricey home repair costs, but don’t expect it to cover everything. Homeowners will need to factor in their homeowner’s insurance deductible — the amount of a claim they’ll need to pay out of pocket before insurance kicks in. These typically are flat dollar amounts, often ranging from $500 to $2,000.

For example, let’s say you have a $2,000 deductible and you submit a claim for $2,363, which is the average cost of mold remediation in the U.S. Your insurer will pay only $363 toward the cost; you’d need to pay the $2,000 deductible. Homeowners will need to determine if the $363 payoff would be worth it. Keep in mind that insurance companies often raise premiums after you file a claim, with just a single claim raising premiums, on average, by 9%, according to a NerdWallet analysis. That premium could offset the benefit of the claim’s payment.

For minor mold damage — considered less than a three-foot-by-three-foot patch, according to the EPA — you may be able to take steps to remove mold yourself. You can find steps for removing smaller mold patches at EPA.gov. If you have other damage to your home, like from a burst water pipe, or an extensive amount of mold, you may find paying your insurance deductible is a small price compared to the total bill for cleanup.

Home Insurance: Filing a Claim

Follow your insurance company’s policy for filing a claim. But here is a general outline of what’s typically involved.

Steps to File a Claim

  1. Stop any ongoing damage. Call in professionals immediately to stop any moisture source and prevent further damage. Insurance companies expect homeowners to take reasonable action to mitigate damage, even when filing a claim.
  2. Review your policy. Check which situations are typically covered by your insurance policy and if this event likely applies.
  3. Document any damages. Take photos and videos of the mold, showing the location and how extensive it is.
  4. Assess the cause. Most standard insurance policies cover mold damage only if it was caused by a peril or a sudden event, like a burst water pipe. Consider hiring a professional mold inspector or assessor to identify the cause, which can then be included as evidence in your claim.
  5. Notify your adjuster immediately. File claims promptly, as soon as the incident of damage occurs. Complete forms thoroughly and accurately and provide as much detail as possible about the damage.
  6. Follow up. Ask your adjuster about estimated timelines for response after filing a claim. Many companies now have online portals to keep tabs on a claim’s status. Document all communications you have with your insurance company regarding the claim, including dates, times, and the person you spoke with.

What to Do If Your Claim Is Denied

An investigating adjuster in the insurance company will determine the merits of your claim. Often, if a claim is denied, “it’s likely due to an uncovered cause or negligence” from homeowner maintenance, Piotrowski says. “Appeals may not be possible in such cases. Providing clear documentation of the incident’s cause when filing can reduce misunderstandings.” Claims also may be denied because of missing or incorrect information.

If your claim is denied, consider these steps:

  • File an appeal. Ask the insurance company to review your claim again. Make sure nothing was missing from your original claim that may have resulted in the denial. Be sure your appeal addresses any reasoning specified in your denial letter and include supporting documents and evidence.
  • Offer additional evidence. Contact a professional mold remediation specialist to evaluate the mold, determine the cause and extent of damages, and estimate costs for removal. Use these supplemental findings in your appeal.
  • Contact an attorney. Seek legal advice from an attorney who specializes in insurance denials.

Prevent Mold in Your Home

Avoid having to file a claim by taking steps to prevent mold in your home. “Proactive maintenance can help prevent mold issues, as it helps identify and address potential risks before they become costly problems,” Piotrowski says. “Mold prevention is also helpful for maintaining home health.”

The key to mold control is moisture control, according to the EPA’s “Mold, Moisture and Your Home” guide. Homeowners can take a variety of mold prevention steps, such as:

  • Fix plumbing leaks and water issues promptly.
  • Dry water-covered items immediately: Water-damaged areas and items must be dried within 24 to 48 hours to prevent mold growth.
  • Clean and repair roof gutters regularly.
  • Ensure the ground slopes away from your home’s foundation so that water doesn’t enter or collect around the foundation.
  • Keep air conditioning drip pans clean and drain lines unobstructed and flowing properly.
  • Keep indoor humidity low. The EPA advises keeping indoor humidity below 60% relative humidity (ideally between 30% and 50%).
  • Watch for condensation or moisture collecting on windows, walls, or pipes. This could be a sign humidity is too high in the home.
  • Vent appliances that produce moisture — like clothes dryers, stoves, and kerosene heaters — to the outside of the home when possible.
  • Use air conditioners and/or dehumidifiers when needed. (Consider placing dehumidifiers in high-humidity areas like bathrooms and basements.)
  • Consider smart home devices that track humidity, temperature, and water leaks to alert you to potential mold risks early.
  • Run the bathroom fan or open the window when showering to vent the area. Also, use exhaust fans or open windows whenever cooking, running the dishwasher, etc.

Related: 10 Mold Prevention Tips for Your Home

Professional Mold Remediation

Mold can be costly to remove and cause health problems if you inhale the spores during removal. You may want to leave it to the professionals, particularly when mold is extensive. The EPA defines that as greater than a three-foot-by-three-foot patch.

Mold remediation services can vary depending on the type of mold and the amount present. On average, the cost of professional removal is $2,363, but it often ranges from $373 to $7,000, according to 2024 data from Angi. Those costs can drastically rise, especially if remediation requires the removal of walls or entire flooring.

Mold remediation services include professional assessment, identifying the extent and type of mold, containment and ensuring barriers are placed in the home to prevent mold spores from spreading during remediation, and removal and cleanup. View more of a cost breakdown and what’s involved in working with professional mold remediation firms.

Can I Just Clean It Myself?

If you spot mold that is less than 10 square feet — or less than a three-foot-by-three-foot patch — you can likely clean it yourself, according to the EPA. For anything larger, the EPA recommends calling in the professionals. For DIY solutions, scrub mold off hard surfaces using just detergent and water. Then, dry the area completely. Also, take precautions to limit your exposure to mold spores, such as by wearing an N-95 respirator, gloves, and goggles. Find more tips at EPA.gov.

Homeowners Insurance: Mold Coverage FAQs

Here are a few commonly asked questions regarding insurance coverage for mold issues.

Is mold coverage typically included in a standard homeowners policy?

Mold is only typically covered by a standard homeowners insurance policy if it’s caused by a “peril,” or sudden, accidental event. Examples might be a burst water pipe or an appliance malfunction, Piotrowski says. Most insurance companies won’t cover damages caused by homeowner negligence or lack of home maintenance, such as a moldy shower. Insurance companies will review claims on a case-by-case basis. Homeowners should review their policies carefully to see what’s included.

Does my homeowners insurance cover replacing damage from mold?

“Generally, insurance may cover remediation rather than replacement [of items], depending on policy terms,” Piotrowski says. Homeowners may seek additional protection against possible damages and events that could result in mold. Protection might be add-on riders to their standard insurance policy (for example, endorsements for hidden water damage, flood insurance, or sewer backup). “Before signing or renewing a policy, it’s wise to research which mold scenarios are included,” Piotrowski says. Also, “this way you’ll know what to expect if a claim becomes necessary, and you’ll be prepared for any deductible or costs involved.”

What are some signs I may have mold damage in my home?

Some signs of mold are clearly visible, like black, green, or white patches on household surfaces. Other signs may be more subtle or even hidden. The only sign may be the smell — a musty scent that may occur in high humidity areas like in bathrooms or basements. Homeowners might experience health issues, like ongoing allergy symptoms, sneezing, watery eyes, skin rashes, or a persistent cough. Other signs could be spotting excessive moisture or condensation on windows or other surfaces (a sign of high humidity in the home that could lead to mold growth), peeling paint or wallpaper, or discolored spots on walls or ceilings. Homeowners can test their homes for mold. Mold testing kits are available at hardware stores, and require collecting samples around the home and sending them for analysis. Or, owners can contact a professional mold abatement specialist for further testing

FireplacesUncategorized January 20, 2025

Types of Fireplaces and the Pros and Cons of Each

Types of Fireplaces and the Pros and Cons of Each

By: Stacey Freed

Published: December 17, 2024

Before you cozy up to your dream fireplace, explore the various types and options available to find the perfect fit for your home and lifestyle.

When’s the last time you chose to sit in front of your furnace for a romantic or relaxing evening at home? But snuggle up next to a cozy fire? Yes, please. Whether you’re a home buyer or a homeowner looking to remodel, you’re more likely to get a fireplace you’ll use and enjoy if you check out your options carefully. Start by exploring types of fireplaces, including the pros and cons of each one.

How common are fireplaces these days? More than half of all homeowners (57%) have some type of fireplace, wood-burning stove, or other hearth product in their home, according to the Hearth, Patio & Barbecue Association Given the number, you might imagine fireplaces are popular with most buyers. They aren’t currently one of the most in-demand features in homes, but they’re still seen as a plus, according to Angi. And that’s especially true if you pay attention to the type and value of the fireplace.

Whether you’re shopping for a new home with a fireplace or remodeling a current fireplace, you have myriad options that will fit your décor, maximize space, and offer an efficient heat source.

How to Choose the Best Types of Fireplace for Your Home

Whether you have a wood-burning fireplace, a gas fireplace, or an electric fireplace, it will quickly become a room’s focal point. You can choose to make it pop or blend into the surroundings. If you don’t like what you see, you can reface, paint, stain, or remodel the fireplace. But before starting the project, you’ll want to answer some questions to make sure you get what you want:

  1. What design options do you like? You can choose from surround materials ranging from stone to tile to brick. Do you want painted or unpainted? Mantel or no mantel?
  2. What design fits with your home style? Shiplap or reclaimed wood pair well with a modern farmhouse style home. Or do you prefer something sleek and modern — maybe white with a black insert and marble surround? If you don’t have a fireplace and like mid-century modern design, a freestanding fireplace with glass and metal may be a good option.
  3. Do you want to refresh or remodel rather than replace your fireplace? If so, you could repaint the brick surround on the fireplace exterior yourself (using fire-resistant paint). For more-extensive remodeling, make sure the fireplace is in good working condition.
  4. What are your options if you’re moving into a home with a fireplace? Get help to inspect and service the fireplace. A home inspector can do a thorough check. “[We] look at the firebox and the damper and make sure the bricking inside is not cracked,” says Tom Unverzagt, owner of WIN Home Inspection in Smithtown, Long Island, N.Y. Inspectors will look at any steel for buckling and check the chimney for creosote, he says. They’ll scope out the roof, including the chimney top and rain cap, and send a camera into the flue to make sure it’s clear. Another option is a hearth dealer, says Karen Arpino, executive director for three regional affiliates of the HPBA. “Many are chimney sweeps. They can do installs and service. They’ll check the chimney and can discuss remodeling options.”
  5. What are your goals? Adding or updating a fireplace may or may not add value to your home, so make sure your goal is realistic, says Maureen Sweeney, incoming chair of the National Association of REALTORS® Real Property Valuation Committee and a working appraiser. “Don’t make a fireplace purchase based on what you think the return is going to be. It is 100% impossible to say, ‘This is your return on investment.’ Instead, install a fireplace because it will make you happy.”

Types of Fireplaces

Plenty of older homes in the U.S. still have a traditional open masonry wood burning fireplace. This type is what it sounds like: It works by burning wood in a firebox, creating heat through combustion. But that type of fireplace actually robs a home of heat, Unverzagt says. “You have draft; there’s smoke that goes up the flue and draws air from the house into the fire up the chimney and out.” The average wood fireplace operates between 5% and 15% efficiency, drawing almost as much heat up the chimney as it’s producing, according to Energy.gov.

If you’re in that situation, consider retrofitting by having an insert installed covered by heat-resistant glass doors. The change can double the fireplace’s efficiency rate and increase safety by keeping embers and ash in the firebox.

Your next decision is the type of fuel you want to use: wood, pellets, natural gas or propane, or electricity. To make that decision, start with the pros and cons of each.

Wood-Burning Fireplace Pros and Cons

Arpino offers these pros and cons of wood-burning fireplaces:

Pros:

  • Wood is entirely renewable and when burned “is super warm. You can heat your whole home.”
  • It’s economical.
  • The smell of wood smoke and the crackle of burning wood create the ultimate in romantic ambiance.
  • “The newly certified wood-burning fireplace products — a fireplace or a stove that burns wood or pellets — emit less particulates in the wood smoke per hour than one cigarette.”

Cons:

  • The heavy lift involved in stacking, loading, and carrying wood, and doing cleanup, isn’t for everyone. “It’s not as fun to do these things as you age.”
  • Countering those drawbacks are products like pellets, which look a bit like pretzel nuggets. They’re created from compressed dried wood or other biomass, and they burn like logs. They come in bags and are easier to bring into your house than a load of logs. They can produce “an aggressive flame. It’s not a sit-and-gaze kind of fire, but they’re incredible for warmth.” While you can retrofit your wood fireplace to one that burns pellets, you do need a pellet-burning appliance. You also need electricity, since pellets pour into a hopper that feeds them into the stove; the stove then blows out the hot air. EPA-certified pellet stoves are 70% to 83% efficient.

Natural Gas Fireplace Pros and Cons

Natural gas fireplaces are fueled by either natural gas or propane, both of which burn more cleanly than wood or coal. They’ve come a long way, Arpino says, listing these pros and cons:

Pros:

  • “The fire is beautiful, and the logs no longer look fake.”
  • They’re highly efficient. They may include a thermostat so the fire will turn off when the room reaches a certain temperature. You can also have a remote start, so there’s no need to even get off the couch. And there’s no ash to deal with.
  • They can come with a battery backup, so you don’t need to worry about a power outage.
  • “A gas fireplace is great for the shoulder months — maybe October or March — when you don’t need to heat your whole home but just want to warm your living space.”
  • If you don’t want gas or don’t have access to it in your home, you can also use propane, a clean-burning, nontoxic gas, as your fireplace fuel.

Cons:

  • With a gas fireplace you may need a plumber to run a gas line, and some municipalities are discussing whether to ban gas in homes. Locations considering bans are “mostly on the coasts, in places in New York State, California, Massachusetts.” But there are many exceptions in each state, and “at the same time, the industry is evolving when it comes to using propane and biogasses.”

Electric Fireplace Pros and Cons

These fireplaces run on electricity and are essentially electric heaters made to look like wood-burning or gas fireplaces.

Pros:

  • You can create the visual ambiance of a real fire — with options for heat or no heat. And you can choose your own adventure in the fire bed with faux logs, crystals, river rock, or pebbles.
  • They’re easy to install. You can put them nearly anywhere; you basically just need an electrical outlet.
  • With no chimney needed, this can be a less expensive option than installing a wood fireplace or gas fireplace.
  • Technology is improving the appearance of the flame, which is created with LED lights and reflective panels. New options include the ability to change the flame color.
  • They are highly energy efficient.

Cons:

  • Some think the flame, which isn’t real, is less attractive. However, advances have made some flames look more realistic.
  • You’ll need a backup power source if there’s a power outage.

Any of these types of fireplaces can be installed in a home that’s being constructed.

Modern Fireplace Types to Enhance Your Home

As technology evolves, so do our options for adding warmth and comfort to our homes. Modern fireplace innovations offer exciting new ways to enjoy the ambiance of a fire without the need for traditional setups. Here are some of the latest options available:

Ventless Fireplaces Pros and Cons

Ventless fireplaces — those with no chimney venting to they outdoors — have generated concerns about releasing unsafe emissions inside the home, and some cities have banned them. But some newer versions of ventless, like the alcohol-based fireplaces, are more environmentally friendly. These ventless appliances burn ethanol (made from renewable resources like corn) and isopropyl alcohol gel. You can put them in any location. There’s no gas line or electricity to contend with. They emit a minimum of steam vapor and carbon dioxide with no toxic smoke. They do create a flame and maybe a little heat, depending on the model.

Pros:

  • They can be placed in any location.
  • They don’t need for a gas line or electricity.
  • They’re environmentally friendly options (ethanol and isopropyl alcohol gel).
  • They emit minimal steam vapor and carbon dioxide.
  • There’s no toxic smoke.
  • They create a flame and may provide some heat, depending on the model.

Cons:

  • There are safety concerns based on the release of unsafe emissions indoors.
  • Some cities have banned them.

Water Vapor Fireplace Systems Pros and Cons

A water vapor system is sort of an illusion. The design is really for ambiance, as there’s no actual flame. It’s a fireplace where water that sits in a reservoir is used as the “fuel.” An ultrasonic atomizer uses high-frequency soundwaves to vibrate the device and turn the water into mist. It’s then illuminated with LEDs, which make the vapor appear to flicker. These are realistic and safe, since there’s no fire, smoke, or carbon monoxide produced, just water vapor. There’s no chimney, no venting, and little maintenance. Some of these devices offer a heating feature. You can find them at dealers that have electric fireplace options.

Pros:

  • They create a realistic flame-like appearance.
  • They’re safe to use (no actual fire, smoke, or carbon monoxide).
  • They produce only water vapor.
  • They don’t need a chimney or venting
  • They require little maintenance.
  • Some models offer a heating feature.
  • They add ambiance to any room.

Cons:

  • They’re primarily designed for ambiance, not heating.
  • They have a higher initial cost.
  • They’re available only through specific dealers with electric fireplace options.

How Much Do Different Types of Fireplaces Cost?

The costs of your fireplace project will depend on the nature of the work you want done and factors like material, labor, and fuel costs. Here’s a sampling:

  • Purchasing: The costs to buy a fireplace range significantly. An electric fireplace costs $200 to $2,200 depending on size, heat output, style, and labor cost (if you want it inserted into a wall, for example), according to Angi. A more- advanced type of fireplace, such as a water vapor fireplace system, costs $3,000 to $9,000.
  • Remodeling: The costs to remodel a fireplace are all over the map depending on your location and labor and material costs. Angi puts the average fireplace remodel at $600 to $4,500 for refacing, depending on the materials you choose. Refacing a fireplace means replacing the material that surrounds the firebox. Replacing the mantel alone costs $1,000 to $5,000, depending on the size and material, and whether it’s prefabricated or custom made.
  • Retrofitting: Retrofitting a wood-burning fireplace might cost $9,000 to $10.000, says Jennifer Deuel, co-owner of Cricket on the Hearth, a certified dealer in Rochester, N.Y. “It’s labor intensive; there’s roof work and heavy lifting.” She says 80% of her customers are turning their traditional wood-burning fireplaces into gas fireplaces. “With gas we may have to bring up gas from the basement or use propane from outside the house,” Deuel says. “We need an electrician and a plumber. This might cost between $6,500 and $9,000 depending on the quality of the unit and the length of the gas line work, as well as whether we need to take a lift to the top of the chimney.”
  • Using the fireplace: With a gas fireplace or electric fireplace, your utility bill will likely increase based on how often you use the fireplace. For a wood fireplace, consider that a cord (128 cubic feet) of wood runs from $150 to $500 depending on the type of wood and your location, according to Angi. If you have a wood fire twice a day, a cord would last six to 12 weeks. Wood pellets cost about $5 to $9 for a 40-pound bag. If you kept your pellet stove burning for 24 hours, you’d go through one whole bag. Natural gas prices in the U.S. are expected to rise sharply in 2025, according to Reuters. That will likely affect how often you use a gas fireplace.

The Impact of Fireplace Options on Your Home’s Market Value

Appraisers don’t usually attribute a quantifiable value to fireplaces, because what the amenity adds to a home’s resale value depends on what an individual buyer prefers. And that’s unpredictable. Instead, they encourage focusing on what you and your family will use and enjoy.

How Different Types of Fireplaces Can Offer Unique Tax Benefits

If you’re upgrading and creating a more efficient fireplace system in your home, you may qualify for a tax credit for biomass-burning products (wood and pellets). A 30% biomass stove tax credit is available for appliances installed between Jan. 1, 2023, and Dec. 1, 2032, capped at $2,000.

Whether and how much to invest in a fireplace ultimately comes down to your goals, Sweeney says. “How often will you be using the fireplace? Is the fireplace intended to help heat your home during the winter months? Is it just for the holidays? What’s the cost of a wood-burning fireplace with a carved wood mantel that will be used once a year for the value of a family’s Hallmark moment? These are questions to consider before considering installing a fireplace.