Showing posts with label Home Inspection. Show all posts
Showing posts with label Home Inspection. Show all posts

Tuesday, January 11, 2022

Wind Mitigation saves $$$$ on Homeowners Insurance

 

Who is eligible for a wind mitigation inspection discount?

The State of Florida requires all insurance companies to offer wind mitigation discounts to Florida homeowners.  Wind insurance credits are obtainable on the building features that reduce damage during high winds on all single-family homes, townhomes, condominiums, and commercial buildings. Many existing structures have one or more of the wind-resistivity construction features already. Homeowners, as well as condominium associations, qualify for wind mitigation credits.

 

How do I save money?

The State of Florida requires insurance companies to offer reduced rates for certain wind mitigation features. A wind mitigation inspection must be performed by a certified wind mitigation inspector; Home Inspector, Building Code Inspector, an engineer, an architect, or any other individual that holds the necessary qualifications as described by Florida Statues.  A wind mitigation inspector will document features of your home on the required OIR-B1-1802 Wind Mitigation form and take photographs of them, which when applied to your insurance policy will decrease the cost of your homeowner’s insurance.deltona wind mitigation inspection, debary wind mitigation inspection, Orange City wind mitigation inspection, Deland wind mitigation, Sanford wind mitigation Inspection, Osteen wind mitigation, single strap

 

How much money can I save with a Wind Mitigation Inspection?

Wind mitigation features are mandated by state law and can total 45 percent of the original windstorm policy’s premium.  Insurance companies are required to offer discounts for features that qualify for wind storm credits.  A Wind Mitigation Inspection can save you as much as $1,260 on a homeowner’s insurance policy of $2,800.

 

How much does a wind mitigation inspection cost in Florida?

The cost of Wind Mitigation Inspections varies by region in Florida.  Orlando Wind Mitigation Inspection costs average $200.  Miami costs are around $225 while the cost of North and Central Florida remains between $150 and $200.  A wind mitigation certificate is good for five years.  Once you have your Wind Mitigation Certificate it will reduce your premium and save you hundreds if not thousands of dollars each year.

 

How do I schedule a wind mitigation inspection in Central Florida?

Call for Insurance Inspection Quotes at 386-624-3893.  For more information Seminole County Wind Mitigation .




Best Deltona Home Inspector, Best Volusia County Home Inspector, Best Debary Home Inspector, Best Lake Helen Home Inspector, Best Osteen Home Inspector, Best Orange City Home Inspector
Frank Carr, Florida Licensed Home
Inspector
Frank Carr is the Owner / Inspector at First Choice Home Inspections in Deltona, FL serving Volusia, Seminole, Orange and Lake Counties. Formerly in the building trades, Frank’s focus is a safe home in the Orlando Metro and Daytona Beach areas of Central Florida and building FCHI. We believe that consumers have the right to expect the highest standards of thoroughness, fairness and effectiveness from their home inspector and that is exactly what we provide.
 
First Choice Home Inspections
Residential Home Inspections in Central Florida
(386) 624-3893 

Twitter: https://twitter.com/1stChoiceHomeIn
E-Mail:  home.inspections@aol.com

Sunday, January 12, 2020

Orlando Home Fire Cause by Dirty Dryer & Duct

Not Cleaning the Clothes Dryer and Duct is the Major Cause of Orlando Dryer Fires!

Modern home appliances are safer today than they were just a decade ago, but the amount of fires has not decreased. Failure to clean the dryer and ducts accounts for more than 34 percent of the dryer fires in the United States. This is the leading cause of home clothes dryer fires. Other causes include manufacturing defects and poor installation. Foreign manufacturing and foreign component suppliers are another cause. Increasing quality issues are associated with the extremely rapid growth of fires connected with appliances. More home clothes dryer fires occur in the fall and winter months and peak in January. 
You should check your dryers and appliances out for manufacturer defects and recalls at https://www.cpsc.gov/Recalls .

What Type of Dryer is Your Home Designed for?

The dryer manufacturers set limits of the length and type of duct that can be used with their dryers. These limits are based on the type of equipment installed in the dryer. Damp lint requires a certain volume of air to move it through the ducts. Homeowners will often select a dryer and make it fit their house. Some dryers are designed with larger motors and fans to move the lint farther.  Economy or inexpensive dryers often have the smallest motors and fans. All dryers are not created equal.  

Dryer Duct Design and Orientation Limits the Length .

The type of duct material, vent hood, the number of turns the duct and orientation, horizontal or vertical affect the length of the duct.  Below is the dryer manufacturers' requirement based on the model of dryer.
Manufacturer's recommendation for Dryer Vent length and type.

Mechanical fasteners cause lint to accumulate inside the duct and reduce air flow.  Dryer duct inspection in Volusia County.
Ducts should have no mechanical fasteners.
The type of material used for the duct is very important in venting lint and moisture. Each 90-degree turn decreases the length of the duct by 5 feet. The use of a flat hood decreases the length by half. Using flexible vent ducts also cuts the length by half.  Rigid metal ducts are required to be taped at the joints and not fastened by screws.  The screw shank protruding into the duct creates and place for lint to accumulate.
Winter Park clogged dryer vent.  Fire Hazard!  Olando Home Inspection, (386) 624-3893
Flexible and vinyl ducts are not allowed
because they collect lint and are a fire hazard!


Homeowners often choose flexible metal or vinyl duct for their ease of installation. These types of ducts are not allowed for use on a dryer in many areas due to the fire hazard. Flexible ducts have many areas for lint to accumulate within the duct. Vinyl and PVC when heated create an electrostatic charge that attracts lint, these are not allowed.  Most municipalities and building codes require rigid metal ducts without mechanical fasteners. These rigid ducts have fewer areas to collect lint and obstruct the airflow.

Fire Hazard!  Gooseneck dryer vents on roof need yearly maintenance.  Longwood Home Inspection, (386) 624-3893
Clogged gooseneck dryer vent on the roof.

Gooseneck dryer vent hoods are common in Deltona and often clogged due to the location on the roof. The homeowners are either unaware of them or just forget about them until they become a problem. Most of these types of vents we inspect are clogged. Many of these types of vent hoods when clogged cause the duct to separate in the attic. Damaged ducts pump moisture and lint into the attic causing moisture damage, wood rot and mold growth. Gooseneck hoods because of their location on the roof should be scheduled for yearly inspection and cleaning by a professional. 

Annual Dryer Duct Inspection and Cleaning

All dryer ducts should be inspected and cleaned yearly. Check with your Home Inspector when you buy your home. A dryer duct inspection may reveal improper installation or materials. If you have a larger family and use the dryer daily or more often, your ducts may require semi-annual cleaning. Less frequent use may only require biennial cleaning.  Protect your family and sleep soundly at night.  Have your ducts inspected and cleaned in the fall when you change your smoke detector batteries. 



Best Orlando Home Inspector, Best Orange County Home Inspector, Best Windermere Home Inspector, Best Lake Butler Home Inspector, Best Ocoee Home Inspector, Best Winter Park Home Inspector
Frank Carr, Florida Licensed Home
Inspector
Frank Carr is the Owner / Inspector at First Choice Home Inspections in Deltona, FL serving Volusia, Seminole, Orange and Lake Counties. Formerly in the building trades, Frank’s focus is a safe home in the Orlando Metro and Daytona Beach areas of Central Florida and building FCHI. We believe that consumers have the right to expect the highest standards of thoroughness, fairness and effectiveness from their home inspector and that is exactly what we provide.
 
First Choice Home Inspections
Residential Home Inspections in Central Florida
(386) 624-3893 






Tuesday, May 28, 2019

Orlando Stained Ceilings and Moisture at Vents



Moisture stains around vent cover on ceiling in Orlando - 1homeinspector.com
A lot of homes we inspect in Florida have condensation on the HVAC duct vent covers and moisture stains or mold on the ceiling around the vent.  The cold air from the vent coming in contact with warm air at the ceiling or uninsulated duct boots in the attic causes condensation to form on the vent covers.  Frequently, this condensation causes moisture stains on the ceiling.  The moisture stains can be an ongoing challenge if the cause of the condensation is not addressed. 
The water marks on the ceiling and the droplets of moisture on the vent cover are likely caused by insufficient insulation on the ducts in the attic, inadequate insulation or uninsulated vent boots, or leaking of hot / warm attic air around the vent boots. 

What is a vent boot?   

The vent boot is the box in the attic that the air conditioning duct connects to on one side and the vent cover on the ceiling is screwed into.  Newer boots are often constructed out of insulation board or duct board.  The older types of boots were constructed out of metal.
uninsulated duct boot found Orlando home attic - 1homeinspector.com
The above picture shows an uninsulated vent boot attached to the HVAC duct.  The vent cover connects to the vent boot on the inside of the ceiling.  This boot has no insulation and the joints are not sealed well.  The sealant between the boot and the ductwork is leaking and there is no sealant between the duct and the ceiling.  Moisture accumulating on the vent boot drips down until it is absorbed by the drywall ceiling board causing moisture stains around the vent cover.
People often mistake the dark stains that sometime form around the vent for mold.  The plausible cause of the dark stains is the vent boot was not sealed to the ceiling board.  The dust from the attic, then sticks to and stains the moist drywall board around the vent cover.
When you see the stains around your ceiling vent covers don’t ignore them.  Water damage is costly to repair and moist conditions may encourage mold growth.

Random Moisture Stains on your Ceiling


HVAC duct joints leaking in the attic of a Windermere Florida home - 1homeinspector.com

If you have random stains on the ceiling; it may be the joints are not sufficiently insulated or sealed.  Moisture stains are visible at the joints of the ductwork in the attic in the picture above.  Condensation forms on the joint and may not evaporate in the attic.  If the condensation continues to drip, it may saturate the insulation and cause moisture stains on your ceiling.
Recommendation:   We recommend sealing the joints to prevent cooling loss in the attic and random stains on the ceiling.  Sealing the joints will also improve the efficiency of your HVAC system and help reduce your cooling costs.

 

Main Causes of Condensation at AC Vents

Not enough insulation on the ducts themselves

Cold air traveling through your ductwork in a warm or hot attic forms condensation if the duct is uninsulated or under insulated. The air ducts in the attic should be well insulated.  You should have your air conditioning system and ducts inspected if it struggles to maintain a comfortable inside temperature on hot days or you notice condensation on the ceiling or vent cover.
Insulation damaged on HVAC ductwork of Winter Park FL Home - 1homeinspector.com

The insulation on the duct above was separated from the duct.  Condensation had formed in the duct vapor barrier and over time had stained the middle of the ceiling.
Recommendation: Ducts in the attic should be well insulated and in good repair.  Damaged or old under insulated ducts should be replaced.  Consider replacing the ductwork in the attic if it is 20yrs or older.  It will be a good investment that will be easily recouped and will save you money on your future electric bills.

Uninsulated vent ‘boot’

The metal box in your attic that attaches to the duct and the vent cover screws to is the boot.  In an attic in Florida, the uninsulated boot will generate large amounts of condensation due to the cold air in the boot and the hot air in the attic.
A uninsulated duct boot in a Longwood FL home caused moisture stains on the ceiling - 1homeinspector.com
Above is an uninsulated galvanized duct boot. This boot was cold in the hot attic and caused water to condense on it and drip onto the ceiling.
Recommendation:  We recommend having an HVAC contractor evaluate the condition of the ductwork.  Sealing the duct to vent boot joint and insulating old metal ducts will help reduce condensation around the vents.  Older deteriorated ductwork should be replaced.

Dark Stains around your vent Cover

Dark stains around your vent covers may be mold, but more likely it is dust collecting on the damp ceiling.  If the boot is not properly sealed to the ceiling, it will allow attic dust or dirt to seep out of the crack between the ceiling and the vent cover.  Also you may discover a leak where the vent boot attaches to the duct. If not properly sealed, the cold air leaks out, meets up with the warm attic air and creates condensation.

Recommendation:  Find and seal the leak. If the problem vent is easy to access from your attic, you may be able to check for and fix the problem yourself. We recommend consulting with a local HVAC contractor to evaluate and repair the HVAC ducts. 

Covering Stains around the Vent Cover

The dark or water stains around your vent cover are difficult to cover.  When the repairs have been made, the ducts have been caulked and no more condensation is present on the covers it will be time to cover the stains. 

Normal ceiling paint will not cover up these stains.  Moisture and dirt stains around the vent cover are stubborn stains.   Even with multiple coats of ceiling paint, the stains continue to bleed through the ceiling paint.
Recommendation:  We recommend you first cover the stains with two coats of KILZ 2 Multi Surface Primer & Stainblocker then paint with your choice of ceiling paint.


Best Central Florida Home Inspector, Frank Carr of First Choice Home Inspections 1homeinspector.com (386) 624-3893


Frank Carr is the Owner / Inspector at First Choice Home Inspections in Deltona, FL serving Volusia, Seminole, Orange and Lake Counties. Formerly in the building trades, Frank’s focus is a safe home in the Orlando Metro and Daytona Beach areas of Central Florida and building FCHI. We believe that consumers have the right to expect the highest standards of thoroughness, fairness and effectiveness from their home inspector and that is exactly what we provide.
 
First Choice Home Inspections
Residential Home Inspections in Central Florida
(386) 624-3893 

Thursday, April 11, 2019

Painting Tips for Central Florida Homes

Paint keeps your wood siding from rotting and the stucco from cracking. Florida weather takes a toll on our homes. As a home inspector, we see the results of DIY projects and even professional projects gone wrong every day.



Stucco


https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSn3eymRlBIqI-332wE-sLmxbBEfx0cFZ5U6rqJ3Z6smkJSIiI0syzospMrzXvwq810af0OUQ18YOcDvbgSTCuLwZso5CZPdEJRCbmasC0c-Blt6R_FNUQN9M9SMNMZQIO_un-HnlxK6k/s1600/Stucco+over+wood.png
Fill cracks before painting!
When you purchase a new stucco clad home in Florida, it will usually have an acrylic paint. Builders choose acrylic paint because it has a higher permeability value not just its lower cost. After five years, this paint oxidizes or becomes caulky and will rub off on your hand.

Fill cracks before painting.
Permeability means the stucco can breathe better, which is what stucco is supposed to do. This allows the stucco siding to cure slowly for the first five years after construction. During this time you will typically see cracks appearing from the home settling. Do not use an Elastomeric paint within the first five years, as it will seal the stucco and may cause more cracks. After five years you want to fill any cracks that have developed and seal the stucco siding to keep the moisture out.



An acrylic paint will not last as long as an Elastomeric product, so it will have to be repainted more often but is less expensive. Elastomeric paint seals the siding and will stretch; this allows small cracks to be covered. Once you use an Elastomeric paint you should only use an Elastomeric over the top of it. Acrylic paint does not stretch and will crack as the Elastomeric paint moves with the expansion and contraction of the home.



Vinyl


Vinyl siding comes in a variety of colors and extra care needs to be exercised when choosing to paint vinyl siding. The formula for white or light colors of vinyl is different from that used for colored vinyl siding. 

The reason is a light color reflects more heat and UV rays, while a darker color absorbs them. White or light color vinyl siding should never be painted a dark or flat color. Painting this vinyl will cause it to absorb heat which makes the siding warp. 



Nothing looks worse on a home than warped vinyl siding. Lighter and glossy paint reflect more heat and UV rays. Darker and flat paint colors absorb heat and UV rays. 



Wood


It is import to make sure extra care is used when preparing wood siding for paint. Clean and replace all damaged wood before painting. Make sure your wood is dry enough to paint or you will seal in the moisture. Remove old dried caulk from joints. Caulk all joints that are open. All wood decays and rots, but moisture accelerates the process.


Do you need a primer?? Yes, primer not only helps the paint stick better and make the color more consistent but it also absorbs into the wood. Do not use expensive paint over dried out or new wood, it is very porous and will absorb more of the expensive paint. Priming is necessary to stop wood-bleeding or if you are covering gloss, grease, or other areas that make paint-adhesion difficult. Primer is cheaper than paint and should be used to prepare the wood for paint. 


Is Paint and Primer in one a scam?? It is great for just changing color, but is a more expensive product than paint and goes on thicker with 1/2 the coverage area and should be avoided on wood that will absorb a lot of paint.


Give yourself plenty of time to complete the project or hire a professional. Do not leave unprotected wood exposed to the weather and make sure all paint is dry before it rains.




These are just a few of many suggestions. If you are in doubt, please hire or consult a professional. Choosing the wrong paint can lead to extensive damage. Painting the exterior of a home is a huge and important project. The time to decide if it is too much work for your skill level is before you invest in paint, brushes, rollers, pans, tape, tarps, and tools.






Frank Carr is the Owner / Inspector at First Choice Home Inspections in Deltona, FL serving Volusia, Seminole, Orange and Lake Counties. Formerly in the building trades, Frank’s focus is a safe home in the Orlando Metro and Daytona Beach areas of Central Florida and building FCHI. We believe that consumers have the right to expect the highest standards of thoroughness, fairness and effectiveness from their home inspector and that is exactly what we provide.
 
First Choice Home Inspections
Residential Home Inspections in Central Florida
(386) 624-3893