A House with Cracks

 


Article by: Helena Hill

You look up at the ceiling and there's a crack. You walk to another room, , Where's the Care Label for my New Bedspread? and another crack maps its way around the doorframe. Then you see up and down cracks, and cracks that are sideways. Your first thought is foundation problems. Then you instantly think the correction is piers. But cracks can indicate much more, such as a slab leak. Or, it can be less - a simple settling crack. And better yet, simple yard , Discontinued Tile: Remodeling with Discontinued Ceramic Tile maintenance might correct some of the foundation issues.

Before you jump to conclusions, first notify your insurance provider. "It's amazing how many homeowners call , Kitchen Remodelling: Seven Tips for DIY Kitchen Makeovers a foundation company before the insurance company," says Todd Stephens, vice president of JS Engineering. "There're necessary steps to take in evaluating a problem before deciding that the foundation needs repairing."

After an insurance claim is filed, the insurance company will send an adjuster to photograph and look at the damage. According to the information , Choosing the Right House Plan on the report, then the insurance provider will decided what licensed , How to Tell If There's a Mouse in Your House professionals to send to the home. , Where's the Care Label for my New Bedspread? If there is a plumbing , Make Your Room Magical And Fascinating With Rustic Curtain Rods leak suspected, then a leak locating service will test and isolate any suspected leaks. If no leaks are found, the claim is ended at this point, and the homeowner can do what he feels necessary.

In many states, insurance companies investigate foundation concerns due to an "accidental discharge of water. , Duvet Covers of Fine Cotton Are Very Luxurious " This includes water , Kitchen remodeling and design ideas leaking from the sewer system, water , How to Repair Your Dishwasher system, bathtub and shower , Solar Power Panels on the Roof of Your Home? drains, and the sprinkler lines next to the house. , What Are Circuit Breakers? All of these will be tested as part of the forensic investigation at no cost to the homeowner.

If there is a leak indicated during the plumbing , Decorate Your Room With A Focal Point test, the insurance company contacts an engineering firm to perform further testing. There is a misconception that the engineering firm works directly for the insurance company. This is incorrect. The company is employed by the insurance provider and acts as an unbiased third party. "We record data and base our opinions on the data and on the statements by the homeowner solely," says Stephens. "We do not get involved on the insurance coverage side of the investigation - that is between the homeowner and the insurance company. We do our job, and the end result doesn't effect the engineering firm."

During the structural investigation the house , Where's the Care Label for my New Bedspread? is measured and drawn to scale. Then floor , Is Your Bathroom Cabinet Efficiently Organized? elevations are measured. An interior , Choosing The Right Custom Mailboxes and exterior site inspection is performed with photographs. A crack inventory is made and the residential history is discussed with the homeowner. "These are the pieces of the puzzle that help us determine whether or not the plumbing , Bunk Bed Ideas leak caused any structural damage," says Stephens.

After the investigation is complete and a report is submitted to the insurance company, the insurance adjuster will typically meet with the homeowner and discuss the findings. This entire process usually takes 30 to 45 days from start to finish. The homeowner receives the original copy of the report for his records. The report includes recommendations on how to , Bunk Bed Ideas correct and stabilize the foundation, whether it is from foundation repair , Seal Your Home to Keep Heat In from the insurance company or a lawn , Do-It-Yourself Garage Floor Epoxy System maintenance program - such as sprinkler system or root , Improving Your Bottom Line Through Vastu barriers.

Many homeowners are surprised at the extent of the investigations performed at no cost. The only cost incurred by the homeowner is the deductible that is often paid during the plumbing repairs, , Vinyl Lattice Fences following the completion of the structural inspection.

Homeowners need to be aware of the time needed for inspections and repairs. , Estimating Home Improvements Therefore, if you are considering listing your home , Hot BBQ Grills and Items for the Summer for sale, these issues need to be tended to before putting the home , Green Building: The Time is Now! on the market. Give yourself , Home Remodeling at least 60 to 90 days to check foundation or plumbing , Kitchen Remodelling: Seven Tips for DIY Kitchen Makeovers issues in your home. , Kitchen Remodelling: Seven Tips for DIY Kitchen Makeovers

So the next time you see sheetrock cracks, get prepared. Structural cracks are a good indication that there's possibly a problem with your home. , Decorate Your Room With A Focal Point
Helena Hill is a Dallas real estate broker and a contributor to the Flower , Choosing the Right House Plan Mound Homes , Considerations When Using Wood Heaters Weblog.

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