Saturday, August 22, 2009

Welcome to the Florida Wind Insurance Savings Calculator!

This online tool provides homeowners and builders with a general indication of the types of wind insurance savings available from Florida insurance companies for building features that reduce damage during high wind events like hurricanes. Building features that reduce wind damage and can lower wind insurance premiums include:

Wind Mitigation Diagram for Insurance Savings Calculator

Most existing houses have one or more wind resistive construction features and may qualify for some insurance discounts. In addition, houses built after 1994 in Miami-Dade or Broward Counties and houses built after 2002 in the rest of the state have many wind resistive construction features and will likely qualify for credits.

By answering a series of questions about your home as it currently exists or based on renovations you are planning, the Wind Insurance Savings Calculator (WISC), will help determine what level of savings you may be eligible for.

The discounts found on this website are based on insurance filings approved through June 2008
Click "Calculate Your Savings" to begin.    

Buy supplies early to prepare for the storm. When the storm threatens, lines will be long and supplies short.

Timothy Parks Construction, Inc.

(407) 383-9118 Orlando Office

(727) 260-7344 Tampa Bay Office

(941) 270-2677 Sarasota Office

Technorati Tags: ,,,,,,,,,,,,,,,,

Windows Live Tags: Florida,Wind,Insurance,Savings,Calculator,construction,addition,Miami,Dade,Broward,WISC,June,Calculate,hurricanes,renovations,resistive,Timothy Parks Construction, hurricane preparedness and tips, wind insurance savings calculator, wind mitigation report

WordPress Tags: Florida,Wind,Insurance,Savings,Calculator,construction,addition,Miami,Dade,Broward,WISC,June,Calculate,hurricanes,renovations,resistive,Timothy Parks Construction, hurricane preparedness and tips, wind insurance savings calculator, wind mitigation report
Timothy Parks Construction, hurricane preparedness and tips, wind insurance savings calculator, wind mitigation report



Wednesday, August 12, 2009

Hurricane Tips

Disaster Preparedness

Before the Storm

  • Make sure you're covered – Insurance companies do not accept new applications or requests for increased coverage once a hurricane nears Florida.
  • Know what your policy covers – Flood and wind damage are often covered in separate policies. Decide if you need this protection and contact your agent for more information.
  • Make sure your coverage is adequate – You may have made recent home improvements or purchases. Consider increasing your coverage if your policy doesn't cover the current value of your home and contents.
  • Keep policy documents safe – In addition to information on your agent, you should write down   the name of your insurance company, policy number, and a telephone number to report a claim.
  • Fortify your home - Inspect your roof, making sure you have roof anchors installed on your home. Replace your windows and doors that don't pass the impact test, or cover them with shutters. A fortified home with the right doors, windows and shutters will save you money on your insurance premiums (link to discounts).
  • Secure your property and clear your yard of any debris, lawn furniture, tools or other objects that could turn into dangerous projectiles in high winds.

After the Storm

  • Immediately report property damage to your insurance agent and company.
  • If you must make emergency repairs, document them.
  • Maintain copies of your household inventory and other documentation. This will assist the adjuster in assessing the value of the destroyed property.
  • Take precautions if the damage requires you to leave your home. Let your agent or company know your temporary forwarding address and home number.
  • Beware of fly-by-night repair businesses. Hire licensed and reputable service people.
  • Know what kind of licensed adjuster you will deal with (i.e. company adjuster, independent adjuster or public adjuster). Ask for identification, and if a question arises, call the Department of Insurance hotline for assistance.
  • If you encounter any instances of price gouging, call the Florida Department of Agriculture’s Division of Consumer Services at 1-800-357-4273.

Financial Safety

When you hear warnings that a storm is near, you should also take precautions to protect your financial interests. These tips can help you secure your financial safety.

  • Remember to withdraw money before a pending natural disaster. Carrying or keeping large amounts of cash in your home, however, might put you at risk of being robbed. Also, you could lose interest payments if you take too much out of an interest-bearing account.
  • Normally, financial institutions will be closed at least two days after a direct hit, and ATMs could be out of commission even longer.
  • During all cash withdrawals, be aware of your surroundings and any suspicious persons.
  • Get receipts for cash purchases before and after a storm.
  • Have a credit card on hand with at least $1,000 available.
  • Use credit cards to finance minimal repairs when necessary. Document all these transactions.
  • If you pay bills by phone or online, pay them before a hurricane hits, even if they are not yet due. Otherwise, a hurricane could interrupt phone service causing you to miss payments and get late charges.
  • If you pay by mail, send payments at least two days before a hurricane, because the post office will not pick up mail within 24 hours of a strike.
  • Keep copies of all payments mailed within 3 days of a hurricane making landfall.
  • After a storm, contact those you've sent payments to and confirm they have received them.
  • Store important financial papers in a safe and accessible place.
  • Before you use any "fast-cash" lender, be sure you understand what the fees will cost for the service.
  • Beware of anyone offering to help after a storm, who wants cash only.

Disaster Tips

Want more information?

Visit the Disaster portion of the Insurance Library or call 1-877-MY-FL-CFO (1-877-693-5236)

Hurricane Tips

TP_name

(407) 383-9118 Orlando Office

(727) 260-7344 Tampa Bay Office

(941) 270-2677 Sarasota Office

Timothy Parks Construction, Inc. Website




Saturday, August 8, 2009

Energy Calculators and Software: Homes

Timothy Parks Construction, Inc.  941-270-2677

Homes

Here you'll find calculators to help you evaluate your home's energy use and need for energy-efficient improvements.

Saving Energy

  • Energy Efficient Rehab AdvisorOffsite link

    This tool provides guidelines and savings information for incorporating energy efficiency into renovation projects for single and multifamily housing. From the U.S. Department of Housing and Urban Development

  • Home Energy SaverOffsite link

    Identify the best ways to save energy in your home. From the Lawrence Berkeley National Laboratory

Insulation

  • Zip Code Insulation ToolOffsite link

    Provides the most economic insulation level for new or existing houses. From the Oak Ridge National Laboratory

Appliance Cost Calculators

Water Saving Technologies Cost Calculators

Find the lifetime energy savings of water saving technologies with varying efficiencies. From the U.S. Department of Energy

Software

Other Resources

More calculators to help you evaluate renewable energy systems, space heating and cooling systems, and water heaters.

Also, see our information about home energy audits and analyzing your electricity loads.

Printable Version

Search Help More Search Options Search

EERE Information Center

Skip footer navigation to end of page.

Energy Calculators and Software Home | EERE Home | U.S. Department of Energy
Webmaster | Web Site Policies | Security & Privacy | USA.gov

Energy Calculators and Software: Homes




Energy Savers: Do-It-Yourself Home Energy Audits

TP_name

(407) 383-9118 Orlando Office

(727) 260-7344 Tampa Bay Office

(941) 270-2677 Sarasota Office

Timothy Parks Construction, Inc.

 

Do-It-Yourself Home Energy Audits

You can easily conduct a home energy audit yourself. With a simple but diligent walk-through, you can spot many problems in any type of house. When auditing your home, keep a checklist of areas you have inspected and problems you found. This list will help you prioritize your energy efficiency upgrades.

Locating Air Leaks

First, make a list of obvious air leaks (drafts). The potential energy savings from reducing drafts in a home may range from 5% to 30% per year, and the home is generally much more comfortable afterward. Check for indoor air leaks, such as gaps along the baseboard or edge of the flooring and at junctures of the walls and ceiling. Check to see if air can flow through these places:

  • Electrical outlets
  • Switch plates
  • Window frames
  • Baseboards
  • Weather stripping around doors
  • Fireplace dampers
  • Attic hatches
  • Wall- or window-mounted air conditioners.

Also look for gaps around pipes and wires, electrical outlets, foundation seals, and mail slots. Check to see if the caulking and weather stripping are applied properly, leaving no gaps or cracks, and are in good condition.

Inspect windows and doors for air leaks. See if you can rattle them, since movement means possible air leaks. If you can see daylight around a door or window frame, then the door or window leaks. You can usually seal these leaks by caulking or weather stripping them. Check the storm windows to see if they fit and are not broken. You may also wish to consider replacing your old windows and doors with newer, high-performance ones. If new factory-made doors or windows are too costly, you can install low-cost plastic sheets over the windows.

If you are having difficulty locating leaks, you may want to conduct a basic building pressurization test:

  1. First, close all exterior doors, windows, and fireplace flues.
  2. Turn off all combustion appliances such as gas burning furnaces and water heaters.
  3. Then turn on all exhaust fans (generally located in the kitchen and bathrooms) or use a large window fan to suck the air out of the rooms.

This test increases infiltration through cracks and leaks, making them easier to detect. You can use incense sticks or your damp hand to locate these leaks. If you use incense sticks, moving air will cause the smoke to waver, and if you use your damp hand, any drafts will feel cool to your hand.

On the outside of your house, inspect all areas where two different building materials meet, including:

  • All exterior corners
  • Where siding and chimneys meet
  • Areas where the foundation and the bottom of exterior brick or siding meet.

You should plug and caulk holes or penetrations for faucets, pipes, electric outlets, and wiring. Look for cracks and holes in the mortar, foundation, and siding, and seal them with the appropriate material. Check the exterior caulking around doors and windows, and see whether exterior storm doors and primary doors seal tightly.

When sealing any home, you must always be aware of the danger of indoor air pollution and combustion appliance "backdrafts." Backdrafting is when the various combustion appliances and exhaust fans in the home compete for air. An exhaust fan may pull the combustion gases back into the living space. This can obviously create a very dangerous and unhealthy situation in the home.

In homes where a fuel is burned (i.e., natural gas, fuel oil, propane, or wood) for heating, be certain the appliance has an adequate air supply. Generally, one square inch of vent opening is required for each 1,000 Btu of appliance input heat. When in doubt, contact your local utility company, energy professional, or ventilation contractor.

Insulation

Heat loss through the ceiling and walls in your home could be very large if the insulation levels are less than the recommended minimum. When your house was built, the builder likely installed the amount of insulation recommended at that time. Given today's energy prices (and future prices that will probably be higher), the level of insulation might be inadequate, especially if you have an older home.

If the attic hatch is located above a conditioned space, check to see if it is at least as heavily insulated as the attic, is weather stripped, and closes tightly. In the attic, determine whether openings for items such as pipes, ductwork, and chimneys are sealed. Seal any gaps with an expanding foam caulk or some other permanent sealant.

While you are inspecting the attic, check to see if there is a vapor barrier under the attic insulation. The vapor barrier might be tarpaper, Kraft paper attached to fiberglass batts, or a plastic sheet. If there does not appear to be a vapor barrier, you might consider painting the interior ceilings with vapor barrier paint. This reduces the amount of water vapor that can pass through the ceiling. Large amounts of moisture can reduce the effectiveness of insulation and promote structural damage.

Make sure that the attic vents are not blocked by insulation. You also should seal any electrical boxes in the ceiling with flexible caulk (from the living room side or attic side) and cover the entire attic floor with at least the current recommended amount of insulation.

Checking a wall's insulation level is more difficult. Select an exterior wall and turn off the circuit breaker or unscrew the fuse for any outlets in the wall. Be sure to test the outlets to make certain that they are not "hot." Check the outlet by plugging in a functioning lamp or portable radio. Once you are sure your outlets are not getting any electricity, remove the cover plate from one of the outlets and gently probe into the wall with a thin, long stick or screwdriver. If you encounter a slight resistance, you have some insulation there. You could also make a small hole in a closet, behind a couch, or in some other unobtrusive place to see what, if anything, the wall cavity is filled with. Ideally, the wall cavity should be totally filled with some form of insulation material. Unfortunately, this method cannot tell you if the entire wall is insulated, or if the insulation has settled. Only a thermographic inspection can do this.

If your basement is unheated, determine whether there is insulation under the living area flooring. In most areas of the country, an R-value of 25 is the recommended minimum level of insulation. The insulation at the top of the foundation wall and first floor perimeter should have an R-value of 19 or greater. If the basement is heated, the foundation walls should be insulated to at least R-19. Your water heater, hot water pipes, and furnace ducts should all be insulated. For more information, see our insulation section.

Heating/Cooling Equipment

Inspect heating and cooling equipment annually, or as recommended by the manufacturer. If you have a forced-air furnace, check your filters and replace them as needed. Generally, you should change them about once every month or two, especially during periods of high usage. Have a professional check and clean your equipment once a year.

If the unit is more than 15 years old, you should consider replacing your system with one of the newer, energy-efficient units. A new unit would greatly reduce your energy consumption, especially if the existing equipment is in poor condition. Check your ductwork for dirt streaks, especially near seams. These indicate air leaks, and they should be sealed with a duct mastic. Insulate any ducts or pipes that travel through unheated spaces. An insulation R-Value of 6 is the recommended minimum.

Lighting

Energy for lighting accounts for about 10% of your electric bill. Examine the wattage size of the light bulbs in your house. You may have 100-watt (or larger) bulbs where 60 or 75 watts would do. You should also consider compact fluorescent lamps for areas where lights are on for hours at a time. Your electric utility may offer rebates or other incentives for purchasing energy-efficient lamps.

Energy Savers: Do-It-Yourself Home Energy Audits

TP_name

(407) 383-9118 Orlando Office

(727) 260-7344 Tampa Bay Office

(941) 270-2677 Sarasota Office

Timothy Parks Construction, Inc.




Can I Layer Shingles on My Roof? Yes, in Florida up to (2) layers.

Like many common home improvement questions, the answer is you can, but you need to decide if layering shingles is the best course of action for your home. It isn't uncommon to layer a second roof right over the first and then tear everything off before you put a third layer down. Building codes and most municipalities will usually allow you to overlay a second (though never a third) layer of asphalt shingles over an existing shingled roof. You will need to check with your building  inspections department to be sure.

Common Problems with Layering Shingles Owens Corning pc-logo-small
Layering shingles has a few drawbacks that you should take into consideration before you decide to lay new shingles over the old.

  • With (2) layers your not eligible for the greatest dollar reduction in your insurance premiums.  Contact your insurance agent for details!
  • If there's any curling of the old shingles, the new shingles will not lay flat.
  • Moisture can get trapped under the heavy layers and cause premature rotting of the wood.
  • You do add excess weight to the roof framing, which can cause the decking and/or roof joists to bow and cause a ripple effect in the roof.
  • Overlay will not work well at all with dimensional shingles, only three tab. Campaigner GAF ELK LOGO CE18239
  • If you do overlay, you have to cut off the tab of the first course which will give you a "bump" about 6" up the roof all the way around the shingle roof.
  • You must pull off both layers before you roof the next time. Many times the cost for a double tear-off is more than doing it two separate times.
  • Tear-off will give you the opportunity to examine the decking for any rot and make repairs now before it gets worse (and more costly).
  • If you do remove the old shingles, you will end up with a nice fresh layer of felt on the roof deck.

     

    Re-Shingle Roof as Part of a Larger Plan  Timothy Parks
    Despite these drawbacks, layering shingles can still be the best plan for your roof. One of the situations, where this option can make the most sense is for a temporary fix as part of a long term plan. Many of the common problems listed above can be avoided if you end up replacing your new roof in the next five or ten years. This sounds like an unwarranted expense, but simply layering shingles can make for a reasonably priced project. You can then invest your money and invest in a high-performance, energy-efficient roof in ten years that will last for the rest of your life.

    New Roofs

  • Metal roofs are water-tight, fireproof, energy-efficient roofs that will last 30-50 years. SMART MONEY
  • Tile roofs resist hurricanes, are a natural insulator, and can last 50 years or more.  Rubber roofs are weatherproof, energy-efficient, environmentally-friendly, and easily fixed.  Marcus Pickett Marcus Pickett is a professional freelance writer for the home remodeling industry. He has published more than 600 articles on both regional and national topics within the home improvement industry.

     

  • Insulating the attic  Click here for details

     TP_name

    (407) 383-9118 Orlando Office

    (727) 260-7344 Tampa Bay Office

    (941) 270-2677 Sarasota Office

    Timothy Parks Construction, Inc. Website

    Markets Served: Sarasota FL, Orlando FL, Tampa Bay Fl

    Cape Coral, FL Sarasota, FL
    Bonita Shores, FL Ellenton, FL
    Longboat Key, FL Palmetto, FL
    Palm Harbor, FL Anna Maria, FL
    Winter Garden, FL Holmes Beach, FL
    Pine Island, FL Gibsonton, FL
    Siesta Key, FL Bradenton Beach, FL
    Seminole, FL Brandon, FL
    Deltona, FL Tallevast, FL
    Bayshore, FL Council, FL
    Lake Mary, FL Indian Shores, FL
    Pinellas, FL Bradenton, FL
    Sarasota, FL Estero, FL
    Fort Myers Beach, FL Riverview, FL
    Cape Coral, FL Oneco, FL
    Sarasota, FL Sanford, FL
    Tampa Bay, FL Lakeland, FL
    Fort Myers, FL Largo, FL
    Apopka, FL Myakka, FL
    Dunedin, FL Davenport, FL
    Lake Wales, FL Bonita Springs, FL
    Venice, FL Clermont, FL
    Gasparilla, FL Oldsmar, FL
    Oviedo, FL Haines City, FL
    St. Petersburg, FL Osprey, FL
    Winter Haven, FL Coconut, FL
    Manasota Beach, FL St. Cloud, FL
    Boca Grande, FL Clearwater, FL
    Ocoee, FL Dundee, FL
    Ruskin, FL Nokomis, FL
    Auburndale, FL North Port, FL
    Lakeland, FL Orlando, FL
    Tampa Bay, FL Cape Coral, FL
    Orlando, FL Port Charlotte, FL
    Sanibel, FL Englewood, FL
    Altamonte Springs, FL Plant City, FL
    Captiva, FL Parish, FL
    Lakeland, FL Tampa Bay, FL
    Orlando, FL Cape Coral, FL
    Port Charlotte, FL Lakeland, FL
    Tampa Bay, FL Orlando, FL
    Sanibel, FL Englewood, FL
    Plant City, FL Parish, FL
    Altamonte Springs, FL Captiva, FL
    North Port, FL Auburndale, FL
    Ruskin, FL Boca Grande, FL
    Ocoee, FL Manasota Beach, FL
    St. Petersburg, FL Winter Haven, FL
    Gasparilla, FL Oviedo, FL
    Lake Wales, FL Venice, FL
    Dunedin, FL Coconut, FL
    Apopka, FL Haines City, FL
    Fort Myers, FL Oldsmar, FL
    Nokomis, FL Clermont, FL
    Dundee, FL Bonita Springs, FL
    Clearwater, FL Myakka, FL
    St. Cloud, FL Davenport, FL
    Osprey, FL Largo, FL




  •