The U.S. has more tornadoes than any other country in the world. According to the NOAA’s Storm Prediction Center, there were 555 preliminary tornado reports just in the month of May. (Note: it takes several months to confirm preliminary tornadoes.) These storms have the potential to rip off roofs and doors, shatter windows, fell trees, and cause significant structural damage – including flattening a building. If a tornado damages your home, should you rebuild or move to another area?
There are several factors that could affect your decision.
Level of damage
Sometimes, homes are completely destroyed and must be rebuilt from the ground up. “However, in many cases, the entire structure does not need to be rebuilt,” says Andy Lindus, COO at Lindus Construction in Baldwin WI. “Depending on the quality of the home build and the material used, it is frequent to find that homes are primarily in need of the replacement of exterior features.”
Lindus defines these as repairs to the roof, gutters, windows, and decks. “At times, interior drywall repair may be necessary due to impact from large debris hitting a home during a tornado.”
His company has been in western Wisconsin and Minneapolis/St Paul for 40 years, and Lindus says most homeowners who experience tornado damage opt to make home repairs and continue living in the same space. “In many cases, homeowners use a severe storm as an opportunity to make additional upgrades to their home that they had been contemplating, but had not yet opted to do.”
To accurately determine how much damage the house as sustained, Robert Himmaugh, manager at Acadian Windows and Siding, in Kenner, LA, recommends having a registered design engineer assess the damage to see whether it can be rebuilt or if it’s better to move on.
If it can be rebuilt, the next step involves your insurance.
Your insurance coverage may play a significant role in whether you rebuild or move on. Heather Sims at Ebby Halliday Realtors in Dallas TX, helps buyers purchase fixer-uppers, and she says there are 2 essential insurance questions that need to be answered. “Do you have enough insurance to rebuild your home to the standard that you would want? If this answer is yes, then you have the financial freedom to make decisions without too much financial concern.” In this scenario, Sims agrees with Himmaugh that you could rebuild the home and make it even better than before.
However, if you don’t have enough insurance to rebuild to the pre-tornado level, Sims has another question. “Do you have enough insurance to sell the remainder of the property, take the insurance money, and then rebuild or buy a home elsewhere with those combined funds?” Again, if the answer if ‘yes,’ she says you have more freedom to decide. But if the answer is ‘no,’ Sims says rebuilding is probably your best choice. Keep in mind that unlike buying a fixer-upper, you won’t be fixing the home at your own pace. You’ll need to get it to a livable status in a short period of time.
Coverage and cash settlements
According to Stefan Tirschler, Product + Underwriting Manager at Square One Insurance Services, in Vancouver BC, which specializes in home and renters insurance in Canada and the U.S., you should always select a limit of coverage that will be sufficient to cover the cost of rebuilding your home after a total loss.
“Most homeowner’s insurance policies cover damage caused by wind. However, most home insurance policies don’t include coverage for inland or coastal flooding,” Tirschler explains. “If you live in a region where flooding may occur, it’s important to purchase a flood insurance policy.”
Also, if you’re considering accepting a cash settlement from your insurance provider, Tirschler says it’s important to carefully consider how much you’ll receive. “If you choose to ‘cash out’ instead of rebuilding the home, many home insurance providers will offer a settlement equivalent to the value of your home less depreciation, which can vary significantly depending on the age and condition of your home.” As a result, he says you might receive far less in a cash settlement than you would if you rebuilt the home instead.
And here’s something else to consider: “The mortgage company doesn’t absolve you from the debt because the home is destroyed,” warns Christi Houser, agency manager with Country Financial in Clackamas, OR. “You will need to continue to pay your mortgage even if your home is uninhabitable.” Fortunately most policies include a benefit for additional living expenses, and Houser says this will cover the cost of a place to live while your home is being repaired or rebuilt.
“This coverage generally includes the extra cost of other living expenses -such as eating out at restaurants or having laundry done – that you would not have incurred had you not had the covered loss. Insurance is designed to make you whole again,” Houser says.
But level of damage and insurance aren’t the only factors that Sims believes you should consider. There are also emotional considerations. “Do you have time to avoid making a quick decision? This would be the case if you have insurance that provides money for you to rent a living space somewhere while you decide what to do.” Your house is a safe haven, and when it’s been damaged in a storm, you need time to absorb that emotional impact. Sims says this is an important step before making a final decision regarding rebuilding or walking away.
“What do you want in your core?” Sims says this is what she also asks buyers when they walk into a home. “If it’s ‘the one’ for you, there will be an immediate gut feeling and sense of belonging. “Will you be able to feel safe, secure, and ultimately happy in the same location and home, or is it best for your emotional health to walk away and make your home in another space that doesn’t have any sort of negative feelings attached to it?”
If you decide to rebuild, and you’ve received estimates from your insurance company, Himmaugh says there are other steps you also need to take. For example, building code upgrades should be reviewed. “Don’t go into a project blindly and expect to stay in your budget. Talk with your local building department, and contractors so you can properly plan before you consider rebuilding.”
Choosing a contractor
“It’s important that you choose a contractor you trust because when rebuilding your home, you, the contractor, and the insurance company will all have to work together,” Himmaugh says.
“The cost of building materials can become expensive, so you’ll want to talk with both your contractor and insurance company to see what will be covered in your policy.” For example, if your roof has completely caved in, he says the amount of money you’ll need to fix it often isn’t worth the amount you’ll get in coverage. “Talk to your contractor and assess the damages to see if you can save more money by moving on to a new home.”
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Now that our house is looking pretty good, it was time to turn our attention to our detached garage. Our garage doors are original which means they are 81 years old! They have been patched and painted numerous times over the years. I admit that when we moved here we just slapped on a coat of paint and called it a day. It has been peeling more and more in the recent years so I knew it was time for a garage door makeover! This post is sponsored by Wagner and all opinions and ideas are 100% my own. This post also contains affiliate links.
Our garage makeover journey actually started last Fall. This is what it looked like back then. A real beaut, eh?
Since I have a 3 step ladder rule (I hate heights!) Shane was the master behind the scraping, sanding, caulking, and painting the top portion. I made the basketball hoop backboard and he attached it for me.
As lovely as the top half looked, it made the doors look all the more faded and shabby. And then one day we lost a poorly applied replacement panel so I knew we had to move this garage door makeover project to the top of the to-do list.
Garage Door Makeover
Step 1: Make Any Necessary Repairs
The top two rows of panels are original as well as one on the third row. But the others are scrap pieces of particle board that were screwed on from behind and were obviously deeper than the others. I took off all of the bottom panels and removed the recently broken glass (thanks to the basketball hoop).
I added a thin piece of plywood to the backside of the door. It was almost a full sheet of plywood. That allowed me to be able to have something to attach the new panels to. I used liquid nails to adhere 1/2″ plywood squares and then caulked around them.
Step 2: Scrape and Sand
Here’s where the elbow grease comes in. Doing this project when it was hovering around 100 all week was not the best. Also I should note that if your garage door is as old as mine, you need to do a lead paint test. They are inexpensive and easy to do. If you are lead paint free, you can proceed!
Because of how many thick layers of paint were on this bad boy, even after scraping off the loose paint, there was still a big difference between where the raw wood was showing through and the top coat of paint. Sanding these transition areas will help lessen it but it will still show after being painted. It is what it is. This makeover is a temporary fix. The other option was to strip the paint off of the door and trim but that would have been more costly and more time consuming. The quality of the wood and the shape it was in after 80 years in the sun didn’t warrant it.
Step 3: Clean it Well
After all the sanding, I needed to clean the dust off. I chose to hose it down. Anytime hosing something is an option I do it instead of wiping it down. Outdoor furniture, kids…
Step 4: Tape and Tarp
When the door was completely dry, it was time to protect the areas around the door. Since the overspray of the Wagner Flexio 5000 is minimal, I chose to use the thin plastic tarp with tape already attached. I ran it along the sides and along the bottom.
I chose a good exterior paint with UV protection.
Step 4: Paint!
Before you turn the sprayer onto your project, first test it on a large piece of cardboard. It was my first time using the Wagner Flexio 5000 and since it has more settings than the HomeRight sprayers, it took me awhile to get the feel for it and to fine tune the adjustments for the paint I was using. The iSPRAY nozzel that I was using also puts out more paint since it is meant for larger projects and is not a finish sprayer. That took some getting use to.
*Side note… Some of you may be wondering why I am all of a sudden using a Wagner Sprayer when I have been using HomeRight sprayers for 7 years. Guess what?! Wagner and HomeRight got married 🙂 They merged earlier this year and I now have the opportunity to test our the Wagner line as well.
One other cool feature is that the motor is on a housing unit on the ground so you can have more paint in the container and it isn’t as heavy. No more tired arms as you spray back and forth.
Holy cats you guys! Look at my garage door makeover! It kind of looks like new! All the panels are firmly attached and are the same depth. No more gaps and tears. I went ahead and gave the regular door the full Wagner treatment as well.
I added plexiglass to the windows instead of glass. Since the basketball hoop is right above, I didn’t want to risk the windows getting broke again. I know there are pros and cons to plexi, but it is our best bet for now.
I also removed the paint from the original lock and handle so they stand out in all their brass glory.
After a week of scorching temperatures, the day I was finishing up and trying to take photos it was a DOWNPOUR. So much rain. The trim paint is actually still wet in the photos because of the humidity. But the wet paint and wet driveway don’t take away from the fact that this garage looks a heck of a lot better than it did a week ago.
I’m not done!
Part 1 was painting the top half, part 2 was painting the garage door and trim, part 3 is still to come! One more big project that I have the supplies for, I just need to get up the courage. Stay tuned!
HomeRight/Wagner are offering to give one lucky reader a Wagner Flexio 5000! That is a $215 value. This includes not only the iSPRAY Nozzle that I used (meant for broad surface projects) but also the Detail Finish Nozzle for smaller projects and a super smooth finish.
You must be at least 18 years old to enter. You must be a resident of the USA to enter. The giveaway will go from August 1, 2019 until August 8, 2019. A winner will be chosen by random.org and will be notified by email. The winner will have 48 hours to respond before a new winner will be chosen. The shipping of the prize is the responsibility of the company, in this case, HomeRight.
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¿Por Qué Maslow? Como usar su Teoria para Permanecer en el Poder por Siempre por Juan Rodulfo
¿Por Qué Maslow? (Spanish Edition)
Una de las muchas cosas interesantes que Maslow notó mientras trabajaba con monos al principio de su carrera fue que algunas necesidades tienen prioridad sobre otras. Por ejemplo, si tiene hambre y sed, tenderá a tratar de cuidar la sed primero. Después de todo, puede prescindir de alimentos durante semanas, ¡pero solo puede prescindir de agua durante un par de días! La sed es una necesidad “más fuerte” que el hambre. De la misma manera, si tienes mucha sed, pero alguien te ha agarrado y no puedes respirar, ¿qué es más importante? La necesidad de respirar, por supuesto. Por otro lado, el sexo es menos poderoso que cualquiera de estos. Enfrentémoslo, ¡no morirás si no lo consigues!.
Teoria de la Jerarquia de las Necesidades de Abraham Maslow
La jerarquía de necesidades de Maslow es una teoría motivacional en psicología que comprende un modelo de cinco niveles de necesidades humanas, a menudo descritas como niveles jerárquicos dentro de una pirámide.
La Teoria de Maslow y la Pobreza
En 2005, el 20% más rico del mundo representaba el 76.6% del consumo privado total. El quinto más pobre, solo el 1,5%. Si los gobiernos en asociación con líderes / propietarios de la industria administran la riqueza y los recursos naturales en todo el mundo, ¿quién es el responsable de mantener al 80% de la población muriendo de hambre y enfermedades en las dos etapas básicas de La Pirámide de Necesidades de Maslow?. El autor en su investigación intenta hacer un enfoque interpretativo de las Políticas de los Estados y las Grandes Corporaciones, empleadas para mantener a la mayor parte de la Población del Planeta en los dos Estados más primitivos de la Pirámida de Maslow
NOTA: Las ganancias de este libro (si existen), seran destinadas a ayudar a personas sufriendo en mi pais, dandoles las herramientas primordiales para sobrevivir y tratar de superarse, en medio de la crisis humanitaria que vive Venezuela en el siglo XXI creada por humanos decididos a permanecer en el gobierno sin importar la muerte y dolor de otros, mediante la destruccion del medio ambiente para vender petroleo y minerales y garantizar asi el poder para siempre…
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La Guerra del Dictador Hugo Chavez contra los Medios de Comunicacion por Rodulfo Gonzalez
La Guerra Asimétrica del Dictador Hugo Chávez: Contra Comunicadores Sociales y Medios en el 2006
Eladio Rodulfo Gonzalez, Periodista Venezolano, publica una Investigación contentiva de varios tomos, donde recopila las Agresiones, Violaciones de Derechos Humanos y Asesinato de Comunicadores Sociales en el Ejercicio de su Profesión, por parte de los Gobiernos Dictatoriales de Hugo Chávez y Nicolás Maduro, aqui comparto el Tercer Tomo: Año 2006
Ese año, según los registros de Espacio Público hubo 151 violaciones a la libertad de expresión, cifra superior en 4,9% a las de 2006.Venezuela fue colocada en la zona marrón en materia de violación de la libertad de expresiónSe acentuaron las agresiones contra los medios y los comunicadores sociales.Hasta el cansancio el dictador repitió que su gobierno no renovaría la concesión a Radio Caracas Televisión, a pesar de que ésta no fenecía en 2007.Fueron constantes las amenazas de muerte contra periodistas por informar sobre hechos de corrupción.La Sociedad Interamericana de Prensa y otras organizaciones internacionales mostraron su preocupación por las violaciones de la libertad de expresión de parte de factores gubernamentales.Un tribunal prohibió a los medios publicar información sobre el Caso Anderson.Ese año el gobernador del Estado Bolívar le declaró la guerra a Correo del Caroní, de Ciudad Guayana, por informar sobre hechos de corrupción debidamente probados por los tribunales, pero que su régimen quería invisibilizar. Inclusive amenazó con demoler el edificio del diario, aunque éste disponía de los respectivos documentos de propiedad.
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