Home Improvement, Remodeling, Toxic Black Mold & Mortgage Refinance Blog

I think I would start here >> http://www.startremodeling.com/hiring_a_contractor.htm

If you hire a horrible Contractor ….

It’s all down-hill from there…

Jimmy

Check Out Our Basement Sealing Article.

Finished walls and floor covering trap moisture, which accumulates and
causes molds and mildew. The musty odor found in many basements is the
telltale sign of molds, which may be growing inside the carpeting or walls,
or in upholstered furniture.

As houses age, most basements start seeping water through the concrete or
cracks after a heavy rain or snowmelt. The walls, carpets and furniture get
wet and molds start growing in just several days. Moldy drywall, carpeting
and furnishings have to be discarded.

Why to risk your basement remodeling investment (typically $30,000) and more
importantly, the health of your family? Before finishing the basement, seal
it against moisture!

Basements as a Source of Moisture
Sooner or later, most basements develop water seepage. At first, it is just
intermittent after a heavy storm or snowmelt raises the groundwater level
but over time, the leaks become more and more frequent.

All houses settle and stress cracks may develop in the slabs or the walls.
The floor-to-wall joint opens up and expansion control joints in the floor
crack, as designed. Exterior waterproofing coating deteriorates and the
drainage system may silt up. Hydrostatic pressure then pushes water through
any cracks or right through the concrete.

However, most moisture infiltrates into basements in the form of water
vapor, which is invisible, unlike steam condensing above a pot with boiling
water. Low air pressure inside buildings draws in soil gas with water vapor
from the ground through all openings and pores in the concrete.

Basements are the largest source of moisture in homes and typically, let in
over 15 gallons of moisture each day! That is much more than cooking and
showering combined (3-5 gallons per day).

Concrete is Very Porous
Concrete cures by cement reacting with water (hydration). But concrete mixes
contain much more water than needed, in order to make them easily
³workable.² Almost half of the water is surplus and has to evaporate as
concrete cures. While water pushes through the concrete to the surface, it
leaves behind a network of tiny capillaries (pores), much smaller than a
human hair.

As a result, concrete is more porous than Swiss cheese ­ residential
concrete contains 12 to 20 percent air! Gases and vapor (water molecules)
flow easily through the pores. But liquid water has is tougher ­ the water
molecules are held back in a ³blob² by surface tension until the pore
surface gets wet. Then, liquid water starts seeping through the wet pores in
concrete (capillary seepage). Moreover, the pores draw in water like a
sponge by capillary action ­ water comes up through a concrete slab against
gravity.

Sealing the Sources of Moisture:
Eliminate internal sources of moisture:
* vent the clothes dryer to the outside
* insulate air-conditioning ducts against condensation

Keep Rainwater away from the Foundation:
* proper gutters and downspout extensions
* properly sloped grading around the foundation
* shallow swales or French drains to steer rainwater away

Seal All Openings:
* cover the sump pit airtight
* tape a plastic sheet to isolate the crawlspace
* cover airtight the gravel bathroom rough-in
* install check valves in floor drains to stop vapor
* seal open cores in block walls with expandable foam
* similarly, seal hollow lolly (support) columns

Caulk All Gaps:
* the floor-to-wall joint
* expansion control joints (straight cuts in the slab)
* caulk around all penetrations

Fixing Concrete Cracks:
1. Hydraulic cement is often used for cracks, but it has no ³give² and as
the concrete constantly moves, expands and shrinks, it gets loose and the
crack starts leaking again.
2. Caulk does not penetrate the full depth of the crack and as water
continues to deteriorate the concrete inside the crack, the caulk tends to
get loose.
3. You can hire a contractor to inject the crack with epoxy or polymer
foam.
4. Or purchase a do-it-yourself foundation crack repair kit to seal the
whole crack with low-pressure injection.

However, still does not seal perhaps the largest source of moisture ­ the
concrete itself.

Sealing Concrete against Water and Vapor:
Homeowners often paint walls with a store-bought waterproofing sealer, which
is merely a latex-based paint. Sooner or later, it will crack and peel under
the attack of lime from the concrete (saponification). And it cannot hold
back efflorescence (³whit powder²) or a high negative side water pressure.
More importantly, it is porous and cannot stop water vapor ­ or most of the
moisture seeping through the concrete.

Some cover the concrete with plastic sheets or use plastic covered
insulation ³pillows² on the walls. But this traps any moisture coming
through the concrete and is known for causing severe mold and mildew
problems. We strongly recommend against trapping moisture - all moisture
coming through the concrete should be allowed to evaporate.

Floor slabs are usually poured on a plastic sheet ­ a ³vapor barrier.² But
it gets usually punctured during construction and over the years, it slowly
disintegrates under the attack of lime in the concrete.

To stop water vapor, concrete slabs are sometimes painted with epoxy or
urethane paints, which are impermeable to vapor. They trap all the moisture
for a while, but after several years, the paint starts bubbling or cracking
and loses its purpose.

We strongly recommend sealing the concrete with a top-quality silicate-based
penetrating sealer. It penetrates deep into the pores in concrete, reacts
with lime and alkalis, expands and hardens, which bonds and seals the
concrete permanently!

Seal the Concrete before Finishing the Basement:
Concrete is not a rock! It is porous and it ages, becoming more and more
porous. Just like wood, it needs a sealer - protection against water and
deterioration.

Seal the concrete before finishing the basement, enclosing the walls or
covering the slab, or just painting concrete. It is a simple do-it-yourself
project and avoids putting your basement remodeling investment, as well as
your family’s health, at risk.

I get a LOT of folks asking if the mold in their refridgerator is the notorious “Toxic Black Mold”.

Well, it may be Black, but I would assume it’s a fungus like Aspergillus or Penecillium!

Opening your refrigerator and finding colonies of fuzzy colors covering your food is all too familiar to many of us. Many are familiar with shoving your leftovers to the back of the fridge, only to find out weeks later that what was once spaghetti has now become an undistinguishable mass of mushy noodles and discolored tomato sauce, covered with green and purple fuzz.
This fuzz of course, is more commonly known as mold. Though there are several types of food molds, typically bluish-green to green molds are usually Penicillium or Aspergillus; black to dark brown molds are usually Cladosporium herbarum, Alternaria alternata, Aspergillus niger, Cladosporium sphaerospermum or Stachybotrys chartarum, which is highly toxic.

Lastly, the reddish or pink molds are usually Fusarium species. With a proper growing medium—in this case food—mold can grow anywhere as long as the conditions are livable.

The environment need only be sufficiently moist and warm to provide a home for these fungi.

Like mushrooms, molds reproduce by releasing spores into the air that can land on your food. Soon enough, if enough time passes, they will settle into their new home, creating thin roots called mycelium that spread throughout the food. Once the root is planted, the stalk portion of the mold fungus that appears on the surface of the food begins to produce spores and take its shape in the typical mold we see all too often.

Though there are some foods where mold growth is intentionally induced, such as cheese, most unintentional mold growth that is consumed in significant amounts can have dire consequences, ranging from sickness to diarrhea and even death. Even taking a whiff of a moldy piece of food can be dangerous if you are allergic to mold.

Undesirable molds produce mycotoxins, which are toxins produced by some fungi, though not all. Mycotoxins are produced around the mycelium of the mold, penetrating deeply into the food. Additionally, mycotoxins can survive for long periods of time in food and usually cannot be destroyed through cooking processes. Depending on the type of food, a different mycotoxin may be present.

So the next time you reach into your refrigerator for a piece of bread and find that it’s been overtaken by fuzzy green colonies, think twice about stuffing it into your mouth, even if it’s the last thing in your fridge.

Better safe than sorry folks!

~ Jimmy

The objective of the insured consumer is to have their property returned to a pre-damaged condition. Also see Negotiating your claim.

The objective of the insurance adjuster is to minimize the claim payout.

WE HAVE, THEREFORE, AN ADVERSARIAL SITUATION.

The quicker the consumer understands and accepts this fact, the better. Begin by examining the entire claim process exclusively in terms of MONEY. It is your MONEY, and your insurance company wants to keep as much of it as possible. Of course you have lost irreplaceable belongings — family photographs, letters, and heirlooms. You have no place to live, no food, no medicine, and little clothing. You are emotionally devastated.  You can’t sleep, and fail to think in terms of the tragedy equating to nothing more then MONEY. Yet, MONEY is the focus of the adjuster; nothing more.

OBVIOUS FACTS:

The professional adjuster already knows the true damages and the total exposure of the company. Her objective is to minimize what is ultimately paid. The adjuster is required by State law to set “Reserves” (the amount they believe the claim will ultimately cost their company) immediately after inspection of the loss. The insurance adjuster wants the consumer to accept her recommendations on who establishes the building and contents claims. Why? Because the insurance company has control over what their “experts” determine the damages to be. The adjuster wants Contents Restoration firms she controls to immediately take possession of your personal property. Why? They now have “experts” on their side to establish what is and what is not “totaled,” and the condition of this property before they removed it from the loss site

HOW THE ADJUSTER SUCCEEDS

The adjuster must access the knowledge of the insured and play the game most appropriate to their end. The adjuster’s moves are dependent upon  company “Guidelines” or “Claims Manuals.” Their objective is to keep the consumer off balance by creating confusion while appearing cooperative. (We describe it as: “smile a lot, utter nothingness, and place as little as possible in writing.”)  To do so she will put as little as possible in writing thereby not committing to anything. This allows the adjuster to retain all options. The consumer is always in a defensive posture and usually does not know it. String the claim out as long as possible hoping the insureds will miss important time limits found in the policy which can invalidate all or part of the claim. Even when time limits do not pass, the consumer will be left with little time to properly establish damages when the adjuster finally discloses these limitations. The longer the claim goes on,  with no commitments from the insurance company, the more options the company retains and hence, the better their negotiating position.

WHAT CAN THE CONSUMER DO?

1. The consumer must become the offensive player. They do so by: 

(A). Establishing their own damages and presenting them timely and in a form required by the insurance contract, State Law, and current Case Law. 

(B). Without properly presenting and itemizing your claim, the insurance company will never pay what the policy promises.

2. All communications are in writing; with verbal discussions documented in writing. 

(A). The consumer needs to develop a documented “paper trail. 

(B). Correspondence needs to be couched in verbiage found in the insurance  policy, State Law and regulations, and be consistent with current Court decisions.

The Real Estate Industry and smart homebuyers know the importance of a “Professional Home Inspection.” Smart homebuyers want to know what the physical condition of their potential home purchase is. They want to avoid buying the proverbial “Money Pit.”

We suggest considering the following points to help you maximize the benefits of your next home purchase and that, “Home Inspector.” 

1. Get a 5 to 10 day time period for the inspection written in the offer, purchase and sale agreement, giving you time to obtain a good inspection, and think about the report after you receive it.
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2. Choose a trained and qualified inspector. Many inspectors are trained Architects and Engineers, while some are trained by home inspection schools. Choosing takes time, and should be done in advance. Request a list from your reality agent, and search through friends for referrals. Good training is important.
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3. Points to look for first can be found in a sample of the inspector’s report. Is it presented in clearly written, easy-to-understand English? The report should include all of the independent parts of the house. Each part should be presented with findings and conclusions that are easy to understand. Any recommendations should be simple, and may often refer you to other professionals, specialists and technicians who are more qualified in a particular field.
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4. Does the inspector have formal training? The inspector could have been formally trained over a period of time in a classroom setting and in the field. Others have been trained through correspondence and self-help seminars including field training. Some have on-the-job training that is good, but can also be a false credential. To properly inspect and communicate, the individual should have some evidence they can do so. Having worked in related fields does not assure you of this ability.
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5. Call and interview the inspector. They should be easy to communicate with, and in a professional and businesslike manner. Mature and conscientious inspectors give you the feeling of genuine empathy and are sincerely interested in you getting the most for your money. You are paying for quality inspecting and communication, orally and in writing.
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6. Ask if the inspector will take you along on the inspection, and are they comfortable with your presence, at least for part of the time. The inspector should explain everything either during the inspection or afterwards. All of the inspector’s time should be yours for this part.
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7. Inspection experience is important, and so is other work in related fields, but the most important points are communication, and the care taken in preparing a written report, either fully narrative or partially through the use of a preprinted form. On-site reports are adequate for many home inspections, but full narrative reports for more detailed reviews are best for a clear understanding and explanations with recommendations. The inspection report is better prepared within 24 hours of midnight of the day of the inspection, if a full narrative is what you purchased. The report is the ‘product’ you are paying for. So, get one which is carefully written and easy-to-understand, either using a form or a full narrative style of report.
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8. Shopping by price is usually a disaster. Search for the most qualified inspector you feel most comfortable with, and pay the requested price. This is probably the most important and largest purchase of your life. Do not blow it using less than the best because of price. Good inspectors know what they are worth and so should you.
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9. Meet the inspector at the house, and take a note pad. Do not worry, everything you discuss and take a note about (and more) will be seen in the report. The notes will help you think in advance about work orders you may include in the purchase.
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10. Membership in an association is a good point, but not any assurance of the quality of the inspector or their inspection. None of the associations have a disciplinary board to police their members. Some have entry training requirements, but this does not guarantee you of the quality of services. However, most of the associations require their members to follow their Standards of Practice and Code of Ethics. Otherwise they are not allowed to be members of the association. You should be able to get a copy of these before the inspection. Just remember that all of the titles and memberships have merit, but nothing to do with the ability to communicate, and the integrity of the home inspector. Did you like reading the sample report? Do you like the inspector? Does the conversation seem businesslike and professional? Are you comfortable?

by Randy Penn.

Introduction

You can find a lot of information on mold, but trying to understand it may be difficult to those who didn’t take biology and chemistry. Even after stumbling through the pronunciation of these words, not everyone can comprehend what was meant by the statement.

“Satratoxin, a low-molecular weight non-volatile organically derived agent, belongs to the macrocyclic trichothecene class of mycotoxins generated from fungal microorganisms.”

As an aid to the homeowner, this overview is intended to explain a few bad products of mold in a less scientific manner. It will focus on those types of mold that have been considered as problematic to the “indoor mold issue” and does not address other fungal organisms which may behave differently. Analogies presented are not intended to be scientifically accurate, but rather to illustrate complex behaviors in more simple terms.

The people who study mold (mycologists) have identified and described over 100,000 species and many believe that this is only a partial listing (estimates of 1.5 million species have been suggested). Try jotting down the names of the first 100,000 people you know then describe each person’s behavior in a specific setting. You will begin to understand the complexities of the problem facing these mold professionals.

Most people have associated mold with allergies and these reactions are certainly prevalent with most all species found indoors. In addition to causing an allergic response, molds can be irritating, infectious and even toxic to humans. Understanding the general behavior of mold provides insight into the adverse components produced by mold.

The Organism

Fungi can be considered nature’s garbage disposal. Without them, the term “biodegradable” would not be so significant to our planet and we would have mountains of leaves, dead trees, and other organic materials sitting around…all deposited since the beginning of time. This, in simple terms, is the ‘why’ of mold.

For the moment, think of mold as a weed. This weed has a root system, a vegetative stalk, and a seed pod. For mold, the root system is made up of hyphae (high-fee). As hyphae grows into a mass during the vegetative state, it becomes a mycelium (my-sill-ee-um). The spores, designed for reproduction, are similar to seeds.

Like a weed, mold needs food and water to survive (yes, both need more than that, however, we are simplifying things here). For mold, the food of preference is organic matter (things that once were living). Indoors, those things are wood, paper, organic dust and dirt, leather, skin flakes, body oils, etc.

When mold spores that are floating around in the air land on a food source, they sit there patiently waiting for water. If the item they land on should contain sufficient moisture, or water comes from another source (leaks, etc.), the spore germinates and hyphae grows. The hyphae branch out, secrete enzymes to breakdown the food, form the mycelium, and absorb nutrients to grow. As long as the food and water hold out, colonies will continue to grow. Note that individual hyphae and spores are very, very small and few can see them without a microscope. When you see visible mold, you are generally seeing that mass of mycelium.

Hyphae can intertwine into the fibers of the substrate, penetrating the pores. As it consumes the substrate, it can also create it’s own route by dissolving pathways into the material. This is one of the reasons it is so difficult to kill and/or clean up mold on organic substrates. If you remove the surface growth, those bits of hyphae within the substrate are ready for re-growth upon the return of moisture.

As the organism matures, it develops spores intended for reproduction. Spores vary in size, shape, weight and methods of distribution. Some are light and buoyant so they float easily through the air. Others are wet and sticky and may cling to insects, rodents, etc. as a mode of travel.

Volatile Organic Compounds

As mold “consumes” it’s food, the chemical reactions of enzymes, substrates and mold growth produce carbon dioxide, water, and volatile organic compounds (VOC’s). Because these items are a result of actions essential to the growth of the organism, they are classified as primary metabolites.

For mold, many types of VOC’s are produced and typically include aldehydes, alcohols, keytones, and hydrocarbons. They have complex structures and names like “2-methyl-1-propanol”, so if you are going to dig deeper into VOC’s, get ready for chemistry class.

They are called volatile in that they evaporate easily at room temperature and pressure. Fortunately, this volatility aids in dilution with fresh air to minimize concentrated build-up of these chemicals. Testing for VOC’s is often accomplished by using vacuum cylinders to obtain samples of the air with laboratory analysis obtained from sophisticated test instruments (gas chromatograph/mass spectrometer).

When you smell a “musty-moldy” odor, it’s generally the VOC’s you are noticing. VOC’s are often considered irritants to mucus membranes, however, are also capable of both short-term and long-term adverse health effects. If you do smell these odors, it’s a sure sign the mold is consuming and growing and you need to take action. (Note that VOC’s may also be derived from non-mold sources including natural materials used in cleaning agents.)

Toxins

Many molds are capable of producing compounds called mycotoxins which are toxic to other organisms, including people. Mycologists believe these toxins are produced as protection against competing organisms and therefore, humans are simply caught in the cross-fire of this fight for survival.

Since these toxins are not essential for growth, they are classified as secondary metabolites. Toxic secondary metabolites require extra work on the part of the organism so production does not occur at all times, or, with all types of mold.

Scientists have identified over 400 mycotoxins and unlike VOC’s, these compounds are usually non-volatile (don’t evaporate easily at room temperature and pressure). One strain of mold may produce multiple toxins and one type of toxin may be produced by multiple strains of mold. Research has indicated that the type of substrate (nutrients), the growing conditions, together with the species of mold, will impact which toxins are created.

Some of these toxic substances are considered extremely hazardous to people, unfortunately, quantified human dose-response data is limited. Lab and field studies have shown these compounds to produce severe toxic effects in both animals and humans and therefore, the general recommendation is to minimize exposure to potentially toxigenic mold. Symptoms from toxic exposure range from flu-like symptoms, skin rashes and lesions, bleeding, fatigue, difficulty breathing, depression, etc. to longer-term nerve and organ problems, altered immunity, and cancer.

Not all secondary metabolites are considered bad for people…the antibiotics such as penicillin have beneficial use. However, from the mycological standpoint, antibiotics are considered mycotoxins since they too are generated by mold to ward off microorganisms (i.e. competing bacteria).

When the organism is producing toxins, the toxins are known to be present in the cell wall of spores and hyphae. It’s relatively easy to test for spores and hyphae, however, testing these components to see if they contain toxins is significantly more complex. Whereas a single spore can be viewed under a microscope, identifying what compounds are contained in the cell wall is difficult.

In order to identify these toxic compounds, laboratories must have a sufficient quantity of toxin-containing spores and carefully process them through sophisticated and expensive equipment that is capable of isolating chemicals down to billionths of an gram (remember, mold spores are microscopic so what is contained within it’s cell wall is extremely small). This testing is made even more difficult since there are a few hundred toxins to analyze and the behavior of mold is such that a toxin-producing mold in the field doesn’t necessarily produce the same type and quantity of toxins in the lab.

Generally speaking, identifying a mold type that is known to be capable of producing toxins is sufficient information to warrant precautions and avoid exposure without submitting for toxic analysis. However, if trying to confirm specific adverse health effects, obtaining an analysis of both VOC’s and toxins can be beneficial but often expensive.

Randy Penn is an independent licensed real estate inspector (Texas #5491) who specializes in mold testing and specimen recovery. He has a Bachelor of Science degree in engineering, is a member of the Indoor Air Quality Association, has invested hundreds of hours in researching and training on fungal microorganisms, has completed IAQA’s workshop on mold remediation and has provided mold related presentations to homeowners and real estate professionals.

The objective of the insured consumer is to have their property returned to a pre-damaged condition.

The objective of the insurance adjuster is to minimize the claim payout.

WE HAVE, THEREFORE, AN ADVERSARIAL SITUATION.

The quicker the consumer understands and accepts this fact, the better. Begin by examining the entire claim process exclusively in terms of MONEY. It is your MONEY, and your insurance company wants to keep as much of it as possible. Of course you have lost irreplaceable belongings — family photographs, letters, and heirlooms. You have no place to live, no food, no medicine, and little clothing. You are emotionally devastated. You can’t sleep, and fail to think in terms of the tragedy equating to nothing more then MONEY. Yet, MONEY is the focus of the adjuster; nothing more.

OBVIOUS FACTS:

The professional adjuster already knows the true damages and the total exposure of the company. Her objective is to minimize what is ultimately paid. The adjuster is required by State law to set “Reserves” (the amount they believe the claim will ultimately cost their company) immediately after inspection of the loss. The insurance adjuster wants the consumer to accept her recommendations on who establishes the building and contents claims. Why? Because the insurance company has control over what their “experts” determine the damages to be. The adjuster wants Contents Restoration firms she controls to immediately take possession of your personal property. Why? They now have “experts” on their side to establish what is and what is not “totaled,” and the condition of this property before they removed it from the loss site

HOW THE ADJUSTER SUCCEEDS

The adjuster must access the knowledge of the insured and play the game most appropriate to their end. The adjuster’s moves are dependent upon company “Guidelines” or “Claims Manuals.” Their objective is to keep the consumer off balance by creating confusion while appearing cooperative. (We describe it as: “smile a lot, utter nothingness, and place as little as possible in writing.”) To do so she will put as little as possible in writing thereby not committing to anything. This allows the adjuster to retain all options. The consumer is always in a defensive posture and usually does not know it. String the claim out as long as possible hoping the insureds will miss important time limits found in the policy which can invalidate all or part of the claim. Even when time limits do not pass, the consumer will be left with little time to properly establish damages when the adjuster finally discloses these limitations. The longer the claim goes on, with no commitments from the insurance company, the more options the company retains and hence, the better their negotiating position.

WHAT CAN THE CONSUMER DO?

1. The consumer must become the offensive player. They do so by:

(A). Establishing their own damages and presenting them timely and in a form required by the insurance contract, State Law, and current Case Law.

(B). Without properly presenting and itemizing your claim, the insurance company will never pay what the policy promises.

2. All communications are in writing; with verbal discussions documented in writing.

(A). The consumer needs to develop a documented “paper trail.

(B). Correspondence needs to be couched in verbiage found in the insurance policy, State Law and regulations, and be consistent with current Court decisions.

For the first time since the beginning of the Consumer Federation of America consumer complaints survey, this year home improvement/home construction passed auto sales and auto repair as the top generator of consumer complaints.

This news confirms a long slide in consumer confidence in the building and construction industry. It also illustrates, once again, the lack of any governing body to regulate the remodeling/construction industry. We regulate Realtors who sell the new and previously owned houses, but we don’t regulate the people who build or improve them.

For years, homeowners have been telling me how difficult it is to even find anyone to work on some of the smaller jobs we all need to do around our homes. Here’s the problem: people who don’t have a lot of experience or expertise in construction or home maintenance are out there right now trying to work on these homes across the country. As a result, homeowners are finding that the jobs are not being completed to their satisfaction. Sometimes they are even prepaying for services that don’t get done.

This does not just apply to home improvement or handypersons working on small projects. New construction and new home building is generating just as many complaints. Too many homebuyers are only worried how many square feet or how big a house they can afford and not how the home is constructed and the quality of that construction. Trust me folks, the technology and products are out there now to build a home that is both energy efficient and low maintenance if the homebuyer and builder want to spend the time and money to build it that way. The problem today is homebuyers are more worried about what color carpeting they are going to install and the color scheme of the house rather than the walls and floors themselves.

There are ways to build a quality home but it takes a little more time and effort and – yes - a little more money, too. Let’s imagine two homes constructed side-by-side. One was constructed using all of the newest products and techniques available in the industry today and is 1,800 square feet. The second home, totaling 2,000 square feet, is built using less expensive materials and services, but acceptable under the code restrictions. Both houses may be the same price, but buyers seem to opt for the extra square footage and don’t seem to worry about the quality of construction.

Personally, I believe homebuyers would worry more about the construction quality if they were educated how a home really should be built as well as the great new products and services now available. Most home builders are aware of these facts, but are hesitant to build with this type of quality or expense because they aren’t convinced homebuyers want to spend that extra money for something they cannot see. The builders are also unconvinced because the products or services don’t add any extra square footage to the home. Many believe this is a “bottom line” for homeowners. This is a shame!

The problem, then, is twofold. If homebuyers will just quit buying cheaply made homes, the builders will be stuck with them and will be forced to stop building them. If builders will just build every home as if they were going to live there themselves, then perhaps homebuyers will have confidence their home purchase will not cost them an arm and a leg to maintain and fix each year.

We have to work both sides of the fence here. Homeowners need to be educated not only on how a home should be constructed but the products to use to make their home the quality purchase they expect. Likewise, home builders need to inform the buyers as to why they are building the home a certain way and why it is going to cost a little more than the one down the street.

In the coming weeks in this column, I will discuss how a home should be built and more importantly, how to hire a contractor or builder to do those building projects around your home as well as how to protect yourself from some of the ones that just really don’t know what they are doing.

~ Jimmy

One week away from Hurricane Ike’s landfall and now it’s clear that the economic impact will be felt for some time. Saturday (9/20), Texas Governor Rick Perry spoke with area leaders in Chambers County, Texas about what they face in the coming months.

Cattle ranchers were hit hard with up to four-thousand heads of cattle killed right away. Those numbers could rise as cattle could die from drinking water or eating the grass tainted by salt.

In Texas, power has already been restored to more than half of the customers. However, about half of the one-point-million customers without power live in the Houston area. Governor Perry said that more than 20-thousand people still remain in shelters, while about five million people have received ice, water or food during the first week of recovery from Hurricane Ike