Category - Home Maintenance

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DIY IDEAS • Home Maintenance • Shop the Room!

Renovate Like a Pro! How To Save Money On Your Next Bathroom Renovation

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by Josie

Home renovation experts agree: a bathroom renovation can greatly increase the value of your home. Something as simple as a new vanity or a colourful tile backsplash can really change the aesthetic appeal of an otherwise dated bathroom, and give it new life. When doing advanced remodeling, consider these interior designer and building professional tips on how to save money, without sacrificing style.

DIY Is Your Friend
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Bathroom renovations don’t come cheap! According to Remodeling magazine, replacing all the fixtures, the tile, the vanity and the toilet — is now almost $19,000. Ofcourse, there are some jobs you simply can’t do yourself. If there is complicated plumbing work which requires a licensed professional, leave it to the pros. But, painting the bathroom, hanging a mirror, adding a new towel-rack, or doing other smaller projects, are things that you can easily do yourself! All it will cost is the price of the materials, you don’t have to pay for labour. If you would like to find some professional plumbers then there are loads of online sites which can help you find good plumbers in your area.

Don’t Settle And Shop around
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Always shop with a bathroom supplier for renovation and remodelling work. You are going to find more materials for flooring, more shower-heads to choose from, different mirrors and vanities, and other items you won’t find at a general wholesale store. Additionally, specialized shops are typically cheaper, so you won’t pay up-charges or fees for items. You’ll simply pay the base price for to get the most out of your bathroom renovation

Buy Your Own Supplies
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In the event you do have to hire a plumber or tradesperson, buy the supplies yourself. Many specialists charge a fee to buy materials, instead of just charging for labour. So, you pay an additional cost, on top of the labour and hourly rate they charge for their services. Go out and buy the materials and supplies needed for the work yourself, so you can save on the overall cost of remodelling the bathroom.

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Your bathroom is a costly room to renovate in the home. There are, however, ways in which you can reduce those costs. These are simple tips, any homeowner can employ, if they want to save when the time comes for them to do any additional repair or renovation work, in one, or in all of the bathrooms in their home.

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Home Maintenance • Shop the Room!

Do you Have Homeowners Insurance? Here’s How to Lower Your Deductible

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by Josie

The amount of a claim and the payout will ultimately determine the deductible and whether the claim payout is relatively minor or major.

“Minor” means, the cost you want for your insurer to cover are not much more than your deductible. If your claim is relatively small not much more than your deductible, it is not worth filing an insurance claim. If the damage is less than a few hundred dollars above your deductible, it is best to pay it out of pocket to avoid increases.

It is unfair to be penalized for using insurance you pay monthly to protect your home, but because almost all states allow insurers to penalize the clients for filing insurance claims freely, it is up to you to protect yourself. Many states limit the amount an insurer can charge you after a claim but not all.

In all these situations, you are better off paying the damage/repair cost out of your own pocket rather than filing a claim. You should first figure out what the cost is for you to pay any damage or repair to your home. If it will cost, you less than your deductible it is always best to fix the damage yourself. If it is still over your deductible you should still always try to fix it yourself. When the cost of repair is too high to handle yourself, that’s when a claim should be filed.

Filing a home insurance claim on any sort of regular basis may provoke a negative reaction from your insurer. Some will tell you filing a weather-related claim and a non-weather-related claim in a short period of time should be fine. Anything above or beyond that, though, your policy may be in a negative state. Others say filing a couple claims of any sort of damage/repair in a short amount of time could peak your insurer’s attention. Insurance companies will generally cancel your insurance if you have more than two claims per years in a three-year window.

Think long and thoroughly before filing an insurance claim for your home directly with your insurer every few years. Of course, always evaluate whether it is a right time or situation to file a claim with your insurer. People who rush to file claims at any time they sustain damage to property, are harming themselves, even if done innocently. Doing so can ruin your claim history and make you an uninsurable homeowner. In the end, you won’t get the desired outcome in most circumstances. You can also always find the help of public adjusters who specialize in home insurance claims.

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