YOU DO NEED SEWAGE INSURANCE !

            BUYING AHOME OR JUST COMFORTABLE IN YOUR OLDER HOME may feel like all of your insurance is plenty because your agents said so. But is that right. Insurance companies do not want to pay out . They want to collect and invest. Insist on buying sewage insurance and really take the time to read all of the print. You can ask all the questions you want and get all the answers you think are right and fair, but IS IT IN PRINT?

      Unexpected water in the basement because a pipe broke or a water heater busted? 500.$ deductible or  1000.? Easy for the insurance company, but if you have tree roots growing underground into your  drainage system or anything that happens like a flood, stopping up and backing up sewage into your basement, maybe first floor, who pays to clean it and repair.??? You or the insurance company.

     If your insurance company tells you, your home is in very good shape, I doubt you need more insurance, either they sell it to you or get an insurance company who will!

   SEWAGE INSURANCE IS WORTH EVEY DIME YOU SPEND.

   

Home Inspector Issues

         DO yourself a favor if you read this and are thinking of buying a home, find an inspector who will deeply inspect your soon to be new home.

               Most home inspectors only have a three month training and are paid for each inspection about 400.00 or more, How well do they inspect?  Ask for references, how long did they have to go to school, are they licensed , and do they mind signing an agreement that you can come back on with them as a responsible  party claiming, electric is good and up to date as well as plumbing, roofing, mold. Ask to take a photo of their license, just to see their reaction. Call or search the Better Business Bureau for complaints.

           More important find out who the builder was and search as much as you can. Many builders took short cuts and you wont know until you search his or her name, or move in and things start going wrong, ending up costing you possible over 100,000. 

Things to look for when buying a home:

Landscaping- Make sure the property has an even flow away from the house/basement

    Trees-as large as the trees are on top,(the umbrella of the tree) that's how big the branches are growing in all directions, even under your basement floor, possibly after a while, through the floor.

Roof:- How old is it? Did the inspector look inside the attic to check for mold, leaks, insulation ? Check the down spouts. Are they away from the house on the lawn, allowing drainage to seep away from the basement? Check the corners of the roof for water wear?

  If you can pull it away or off chances are you need a new roof. VERY COSTLY

Ask if they have ever had termites, or  carpenter bugs. Look

 Basement-Look closely at the bottom and the top of the basement walls, ask if the basement has ever had water problems, or mold. Look closely and take your time-ITS YOUR MONEY !!!!