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12 Practical Tips for New Homeowners

Being a new homeowner comes with a lot of questions. The following are tips for new homeowners that even veteran homeowners should remember, both for preventing unfortunate events and for taking advantage of every possible cost savings.


1. Have an emergency budget.


This is the single most important thing for any adult or homeowner. Emergencies can pop up and when they do, you need a safe, accessible source of funds, such as a savings account. In times of need, credit cards can easily create a cycle of debt – a trend that has devastated many Americans. Avoid this by putting a small amount in your savings account each month, or with each paycheck.


2. Know your homeowner’s insurance policy and close the gaps.


You probably already have homeowner’s insurance, which is usually required by the mortgage agreement to buy your house. However, you need to remember to regularly reassess your insurance needs and close the insurance gaps, especially for windstorms, flooding, and dog bites (if you own or will own a dog.) The National Flood Insurance Program website can help you assess your risk for flooding and decide whether or not you need flood insurance.


3. Take advantage of discounts on homeowner’s insurance.


The two most common discounts are for bundling insurance packages, such as auto and home, and for installing protective devices like smoke detectors, security systems and automatic sprinklers, etc. Some companies offer a discount for having a newly purchased home or one that’s newly built. If your home has been recently renovated with improvements such as upgrading old wiring, you may also qualify for a discount or reduction in your premium.


4. Use your tax benefits!


There are many tax benefits that come with being a new homeowner and some can also bring down your energy bills. For example, when it comes to buying Energy Star appliances, the government has offered up to 30% of the cost of a new appliance in federal tax credits. You can also deduct mortgage interest and property taxes on your federal income tax return.


5. Set up utilities on payment plans.


You might want to sign up for a utility provider payment plan, which means the company would estimate your yearly costs, and then divide it into twelve equal payments. Reducing cost variation can help you plan better and ease the stress of having a tight budget during this transitional period. Some companies also automate online payments, which reduces the possibility of late fees. Going “paperless” with utility e-bills and paying your bills online could save you money too.


6. Get to know your home.


Check all toilets, sinks, and under-sink plumbing for leaks. Put tape over cracks with the date, so that if cracks appear around the edges of the tape, you will know that there is a foundation problem. If you plan on doing anything like installing a fence, use a utility location service to create a map labeled with the location of your water main and electricity lines. Open your electrical box and label your breakers.


7. Know your appliances.


Consult any available owner’s manuals for your appliances and review them for maintenance instructions and special features. Know how old your appliances are and when they will likely need to be replaced. Since a new furnace can cost as much as $5,000, it’s good to know in advance when you’ll have that expense.


8. Make inspections a habit.


Planning annual inspections can make the difference between a quick fix and a costly disaster. Be sure to have your roof inspected by a professional roofing contractor. Check for problems like rodent or termite infestations and mold growth, which can cause costly damage and aren’t covered under many insurance policies.


9. Know when to buy in bulk.


This is one of the advantages of being a homeowner with storage space. You won’t want to run out to a home improvement store every time you have to buy an air filter, but replacing filters are important for your energy bill. Buy in bulk so that replacing things like lights bulbs, air and water filters won’t be such a hassle. Buying in bulk is often less expensive too.


10. Repaint walls and/or refinish floors.


If you’re sure of your decision, take advantage of having the open space to repaint or refinish before you move in the furniture. But don’t rush or spend money you don’t have. You might need time to decide on décor and you might even decide you like things the way they are!


11. Think about landscaping.


Planting trees that give shade near your house can lower the inside temperature during warm months, and also reduce your energy bill. Shade trees also protect your home from sun damage, which is one of the reasons that roofs need to be replaced. You should also make sure that large branches are not leaning perilously close to your house, which could become a hazard to your home’s exterior in a storm.


12. Inspect your house for excess energy loss (and costs).


If you have an unfinished attic, check that it has at least six inches of insulation in all areas. Make sure your house is air-tight with weather stripping and caulking. This will help reduce drafts and heat loss, which can cost you, particularly in the winter months. Check your water heater and pipes, especially the ones next to the water heater, to see if they’re properly heated. If not, you can easily wrap pipes with insulation or use a water heater blanket to trap in heat. With improperly insulated pipes, you can lose 2-4°F in just the first few feet that the water travels. Well-insulated pipes also help hot water to get to you faster.


It takes a trained eye to spot all the weaknesses in a home that might cause you to waste energy on costly inefficient heating and cooling. Careful planning, research and talking to experts helps take the stress and frustration out of being a first-time homeowner. If you’re interested in making energy efficient improvements to your home, like updating your exterior roofing, siding and windows, start by contacting a licensed professional to help you. If you live in the Port Charlotte, Florida area our experts can help weatherize your home, resulting in energy savings that will save you money. Simply contact us today! Phone: 941-889-9085

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By All Weather Tite September 30, 2024
Your home’s roof is the critical component to a safe, warm living environment and an important investment. Replacing it is one of the most expensive home remodeling projects that most homeowners face. Entrusting this important project to a reliable roofing contractor can ensure the safety and longevity of your home. Entrusting its installation or repairs to the right professional can save you from future headaches and costly mistakes. Here are some of the best questions to ask before you hire a roofing contractor. Plus you can download a checklist to have to take notes. These will help you avoid any scams and find the best company to do the job. What is your legal business name? Getting the actual business name of the roofer helps you do a bit of homework on the company. A quality business entity will have filed with their state so they can get the proper insurances and licenses to do business. Search the State of Florida corporate database to see if they are registered locally. Then do a search on that business name to see what comes up in the results. You want to be sure you are dealing with a legitimate business and not someone who will take your deposit and disappear or use low quality materials in place of what you paid for. How long have you been in business? Asking a roofing contractor how many years they have been in business will help you determine what type of experience they have. This question helps gauge their level of expertise, as contractors with more years of experience typically have a broader knowledge base and a better understanding of industry practices. While experience is valuable, it should be balanced with other factors such as qualifications, references, and past project successes. Who owns your business? How long have they owned it? Asking about the ownership of the roofing business and the duration of their ownership helps you gain insights into the company’s stability, expertise, and commitment to quality service. A long-established ownership: Suggests that the business has been successful and able to maintain a positive reputation over time. A well-established roofing company is more likely to have experienced roofers, a proven track record and the expertise to handle various roofing projects effectively. Demonstrates a dedication to customer satisfaction and a desire to build lasting relationships. Such a commitment indicates that the company is more likely to prioritize quality workmanship and provide reliable roofing services. Signifies a level of success and a positive reputation in the industry. Companies with a strong reputation are more likely to prioritize customer satisfaction and deliver exceptional results. It also implies that they have developed relationships with suppliers Do you have proper licensing and certification, insurance and workers comp? It’s important to work only with licensed contractors. A roofing contractor license ensures that they know what they are doing and that your money won’t go to waste because of poor workmanship. You can check on the validity of their license by going to the Florida Department of Business & Professional Regulation website and clicking on Verify A License. Roofing contractors should have workers’ compensation and liability insurance. If they don’t have insurance, the responsibility and liability would fall to you if there is an accident. Workers’ compensation covers you in the case of a contractor injury. If there is no workers’ comp, you may be responsible for medical bills and other costs associated with the injury. Liability insurance protects you from damage caused by the roofers during repair or replacement. If your roof is installed by a contractor without liability insurance, you may not be able to make a claim if there is damage to your roof due to their poor workmanship. Avoid any contractor who doesn’t provide insurance documents, licenses, or warranties. Answers from All Weather Tite: We carry all the proper licensing and use seasoned professionals who are willing to take the time to complete the roofing project the right way. We take pride in hiring experienced tradesmen and providing our customers with the highest quality workmanship. Our work and our workers are fully insured to protect you and your assets. We carry liability and worker’s compensation insurance specifically for roofers. This covers you if there is an unfortunate incident on your property. We will give you the name of our insurance company. Feel free to call to get a certificate of insurance for both liability and workmen’s compensation. Most roof systems require special application expertise to achieve lasting quality. A roofing contractor that carries a certificate with a roofing manufacturer ensures a quality job and the expertise to do it right. All Weather Tite Roofing provides superior workmanship and uses high quality materials from the largest roofing manufacturer in North America, GAF offering the highest warranty in the industry. We have achieved the exclusive status of Master Elite™ Weather Stopper® Roofing Contractor. Only 3% of roofing contractors in the U.S. have achieved Master Elite status. Are you a local contractor? Working with a local roofing contractor makes it easier for you to meet with the roofing contractor. Ask where their home base is and how they can contact you when necessary. A local contractor can be available to help you if you ever have a problem and need emergency storm repairs. Be aware of storm chasers. These are out of state companies that come in after a big storm. They will charge a lot less than local roofing company and disappear once they have your money. Most likely, they don’t care about local codes and may have poor workmanship. A quality local roofing company will know the local roofing codes and the permits required. This helps ensure your roof is correctly installed and in compliance with your state’s requirements. Can you provide a detailed written estimate of the project cost, including labor and materials? A good roofing company should always provide a free, written estimate that outlines the details of the work you are paying for. Requesting a comprehensive breakdown of the project cost, including labor and materials, allows you to assess the financial aspects of the job and make an informed decision. A written estimate helps minimize surprises during the project. You’ll want to know the actual cost of tearing off the old roof, installing the new roof and disposing of debris. The estimate should outline other potential costs, like replacing the underlying plywood decking if they discover damage once the project starts. By understanding the costs upfront, you can anticipate the financial aspects and plan accordingly. Additionally, it provides a reference point to ensure that the final invoice aligns with the initial estimate. Will you provide a written contract that outlines all the project details? It is essential to have a written contract that outlines all the project details when working with a roofing company. Requesting a written contract ensures that both parties are on the same page regarding the scope of work, timelines, materials, and other crucial aspects of the project. It gives you peace of mind. You can proceed with the roofing project knowing that all the details have been documented and agreed upon. It provides a level of security, as both parties are bound by the terms outlined in the contract. A written contract serves as a legally binding document that protects both parties. It establishes the terms and conditions of the project, including payment terms, warranties, and dispute resolution procedures. Having a written contract in place safeguards your interests and provides recourse in case of any disagreements or breaches of agreement. Do you provide a warranty for materials and workmanship? Ask the contractor for information on the manufacturer’s warranties for the roofing materials. You want to know your rights concerning defective products and what circumstances could void the warranty. In addition, ask the roofing contractor if they offer a warranty on their workmanship and for how long. A reputable contractor will stand behind their work and cover issues in the event there are problems. Answers from All Weather Tite We offer a 25 year warranty on workmanship and use shingles from GAF that carry a lifetime warranty. We use top quality materials from industry leaders like GAF, TAMKO, and VELUX to ensure your roof will stand the test of time. Quality and craftsmanship is very important to us. We strive for 100% satisfaction from our customers. Can you help with an insurance claim? Working with a roofing contractor who knows their way around insurance claims is a great way to lessen the burden of making a claim and paying for work that could have been covered by insurance. Dealing with insurance claims can be complex and time-consuming. A knowledgeable roofing contractor can guide you through the process, helping you understand the necessary steps and documentation required for a successful claim. Can you provide references from previous clients? A reputable roofing contractor will have several good references that you can speak with. Get references from recent projects and if possible, go see the workmanship. Some of the references may have provided reviews and uploaded pictures that can help you make you decision. They will also have many reviews available through an internet search. Don’t worry about about a couple of bad reviews if there are many 5 star reviews. Read the reviews and get a good picture of how this contractor handles issues. Answers from All Weather Tite We have many customer testimonials on our website, on Angie’s List and other review sites. We constantly strive to ensure our customers have a great experience with our company. We’ve found that customer reviews are very helpful in keeping our business thriving and are very important to our online visibility. Our past customers love us, and so will you! Will you obtain the necessary permits for the roofing project? Obtaining permits is a crucial step in ensuring that the roofing project complies with local building codes and regulations. It is crucial for the safety and structural integrity of the roof. By acquiring the necessary permits, the roofing company demonstrates their commitment to following the established standards and ensuring a properly constructed roof. But it is also critical that the contractor pull the permit, not the homeowner. If you pull your own permit, you are responsible for any damages or injuries that may occur on your property. By entrusting the roofing company to obtain the permit, you transfer the responsibility to them. This way, you can have peace of mind knowing that the roofing project is being conducted in accordance with local laws and regulations and any issues will be handled by the roofing company. Do you use subcontractors? If so, what are their experience and reputation? When evaluating a roofing contractor for your project, it’s crucial to ask questions about their use of roofing subcontractors and gather information about the subcontractor’s experience and reputation. Most roofing companies do use subcontractors. It’s good to understand the structure of their team, their experience with the type of roofing materials you are using and how they will complete the work. Roofing contractors hire subcontractors to perform specific tasks on their behalf. However, they should still maintain overall responsibility for the project and ensure that the subcontractors meet the necessary standards. Do you offer onsite inspections and estimates? If a contractor tries to offer you an estimate over the phone without also setting up an appointment to view the roof firsthand, you may want to consider another contractor. You can only assess the size, shape and condition of the roof by an onsite inspection. The less than reputable contractors will give you a low estimate but continue to add on costs and fees. A reputable contractor visits the property to understand the scope of the project. Then they will provide you with a realistic quote. Answers from All Weather Tite You can request an estimate using our online form and will promptly come out to the home to take a look at the potential job. Once we have inspected the roof, we will give you a clear and concise estimate covering all the costs associated with doing the job right the first time. Do you clean up the site and remove all the old roofing materials upon leaving? The quote should always include cleaning up your yard and disposing the old roofing material after the work is done. Always ask a potential roofing contractor if they include this item. Don’t get stuck with a pile of debris in your yard that will cost you to have hauled away. Answers from All Weather Tite We promptly clean up all materials. You’ll never know we were there! Final Thoughts Looking for a trustworthy and reliable roofing contractor can be stressful, especially when it is an emergency. As a homeowner, it is good to have a trusted roofing contractor that you can call on to handle your various roofing issues whenever they arise. Hiring a roofing contractor is your best option, but you must first get answers to these questions before dealing with them. And don’t forget to download our checklist to take notes. Let us know if we can help.
By All Weather Tite September 30, 2024
Many view a roof leak as a mere annoyance, easily dismissed in hopes it will go away on its own. However, if you neglect it for too long, it can lead to costly consequences. The better course of action is to get it fixed as soon as possible. Waiting to repair the leak until it turns into a bigger problem will rarely save you money because the longer you wait, the more damage is done. Here are things that can happen if you decide to go the other route and simply ignore a leak in your roof. Structural damage Water from a leaky roof can seep into the structure of your home and pose a threat to the integrity of your home. This can deteriorate structural components such as wood, rafters and supports, jeopardizing the safety and stability of your property. Ignoring this issue can result in costly repairs or require a complete roof replacement. Mold and mildew It’s easy to downplay a minor leak in your roof, brushing off a few water stains as inconsequential. However, a water leak extends beyond mere dampness. It creates a breeding ground for mold and mildew, lurking within walls, insulation, and ceilings when left unchecked. Neglecting these leaks fosters ideal conditions for mold proliferation, leading to extensive cleanup efforts and inflated repair costs. Moreover, mold poses health hazards, particularly for those with allergies or asthma. Even without allergies, exposure to mold can provoke irritation in the eyes, skin, nose, throat, and lungs, contributing to a range of health issues for you, your loved ones, and even your pets. Interior damage Roof leaks can cause damage to your home’s interior. Water stains on ceilings and walls, damaged paint and wallpaper, and ruined personal belongings are just the beginning. Consequently, the longer any water sits and hits those areas, the more damage it will do and the more expensive the repairs will become. Decreased property value Neglected roof leaks can significantly reduce the value of your home. Potential buyers are may be deterred by visible water damage and the potential for costly repairs. A well-maintained roof is essential for preserving the value of your home. Get expert advice Whether your roof is made of metal, asphalt or tile, the consequences of neglecting a leaking roof go beyond a minor inconvenience. Structural damage, mold growth, decreased property value, and safety hazards are just a few of the issues that can result if you ignore a roof leak. By addressing leaks promptly and investing in proper maintenance, you can protect your home, your health, and your investment for years to come. Therefore, if you suspect you may have a leak in your roof, take action promptly and contact an expert today.
By All Weather Tite September 30, 2024
Choosing the material for your roof replacement project is an important decision. Unlike in the past, there are more choices, and therefore, more decisions you need to make. If you’re in the market for new shingles, you have a choice of asphalt, composite or metal as options. Relatively new to the roofing industry, composite roof tiles are gaining popularity. What are composite roof tiles? Residential roofing known as composite or synthetic roof tiles are gaining popularity due to their robustness and lasting durability. They can be a blend of a number of materials including fiberglass, slate, laminate, tar paper and wood fibers. These shingles incorporate polymers for strength and to combat the impact of ultraviolet radiation. Manufacturers use molds of slate tiles to craft synthetic shingles that mimic the appearance of a slate or cedar shake roof. The outcome is a resilient product capable of withstanding high winds, hail and intense sunlight. Benefits of using composite roof tiles Selection. Composite roof tiles come in a variety of styles and colors, mimicking the appearance of a slate or cedar shake roof. This highly versatile choice gives you the ability to increase the curb appeal of your home with a higher-end look at a more reasonable price. Durability. Composite tiles boast a long lifespan and have low maintenance requirements. They are resistant to rot, insects, and mildew, don’t have problems with moisture and do not crack, split, peel or warp. Additionally, these tiles are resistant to fire hazards. You’ll have peace of mind knowing your property is safe. And even after years of dealing with intense Florida weather, your roof will have little wear and tear! Cost effective (compared to real slate). If you choose composite slate over real slate, you’ll find it’s a cost-saving decision. That’s because composite slate is cheaper than real slate. And the added benefit is that it provides the same aesthetic appeal. Eco-friendly. Composite roof tiles are made out of recycled materials. Most are made from a mix of plastics, sawdust, rubber and fiberglass. Others are fashioned with recycled tires or hoses. And an added benefit is that some types of composite shingles can be recycled once their useful life is over. Remaining scraps and materials from your roof replacement can also be recycled. Longevity. Composites last 30 to 50 years before needing replacement. Disadvantages of selecting composite roofing Relatively new roofing material. It’s no secret that composite roof tiles are newer to the roofing industry. As a result, there are some unknowns. But to mitigate this situation, manufacturers will usually offer warranties. Upfront expenditure. The upfront cost will likely be higher when installing composite verses asphalt. However, as noted in the previous section, this situation will likely be mitigated due to its durability and the shingle’s long lifespan. So, it’s important to keep that in mind. Color fading. Over time, exposure to sunlight can cause the colors of the shingles to fade. Although many manufacturers are taking steps to minimize this, it could affect the visual appeal of the roof. Not suitable for steep roofs. In certain situations, like steep roofs, this option may not be the best choice due to their lightweight nature. Although asphalt shingles are currently the most popular choice for shingles in the United States, the popularity of composite shingles is rapidly growing. And even though asphalt can be a more economical choice, composite roofing carries a longer warranty and can mimic the look of many different roofing materials. Now it’s decision time! You’ve read about the advantages and disadvantages to using composite roof tiles. Before making your decision, it’s important to think about the pros and cons based on your specific needs. And if you require additional information, contact an expert today!!

Have any questionS?

Reach out to our roofing specialists for more answers on the various options for your home.

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