These photos got me to thinking about homeowner’s insurance and coverage for nature’s angry outbursts. Thanks to Pamela Stevens of TopTen Reviews, I have the skinny for you.

Ugly outcome when the earth roars

Photo by USGS

In 1971, a magnitude 6.7 quake threw me out of bed, across the room, and dropped a bookcase on me. We were luckier than many in the San Fernando Valley. Stevens writes that if you have private homeowner’s insurance, you can add earthquake endorsements. If you live in California, the California Earthquake Authority offers coverage.

Twister assister

Photo by Richmond Times-Dispatch

Even if you live where this is a common sight, you can buy tornado coverage as part of your homeowner’s policy. Make sure you get repair coverage for hail, which typically shows up at the same time to hammer dings into even the best vinyl siding.

Surf’s up

Photo by Freak Waves

Don’t assume your homeowner’s insurance will cover damage from flooding. Stevens says you must secure a policy purchased through the National Flood Insurance Program.

Crispy creamed

Photo by Premier Choice Restoration

You can get fire damage endorsements throughout the country – unless you live in a high-risk area or a long way from the nearest fire station. Stevens says insurance companies can refuse you coverage. To find out if you live in a high-risk zone, check with The National Interagency Fire Center.

DOH!

Photo by Indy Media

Sad to say, most insurers will not offer coverage for radiation damage if you live near a nuclear power plant. Perhaps you should consider using lead when evaluating replacement windows.

Now, many lighthouses have fallen into disrepair and the lights staffed throughout American history by the Coast Guard are crumbling into the sea. In 2000, Congress enacted the National Historic Lighthouse Preservation Act, putting some 200 American lighthouses up for adoption.

Lighthouse conversions are still a romantic notion, but the need to repair or retrofit many of the unique buildings in disuse has limited the transfer so far to only 76 of the lights. Most are made into residential conversions.

Lighthouse conversion, make offer

Photo-by-Daily-Caller

The Frankfort North Breakwater Lighthouse is a great buy for those who love doing laundry naturally and for its winding staircase. It comes with a great vista of Lake Michigan. You may want to order a new set of storm windows.

Amazing house exteriors on Lake Superior

Photo by Michigan Light House

Built in 1896, the Big Bay Light Point, a seven-bedroom complex on 33 acres in Michigan’s Upper Peninsula, was turned into a bed and breakfast in the 1980s. It originally cost $25,000 to construct the light and compound. While not part of the Coast Guard surplus, it is for private sale now with a $999k asking price. Pretty sweet spot, isn’t it?

Light housekeeping required

Photo by NJ Star Ledger

For those who prefer the Jersey Shore, the Romer Shoal Light Station is located just north of Sandy Hook. Be warned: it needs some work. The tower is said to be rusting and the windows are broken. You should fit the place with thermal windows before you move in. Under  the Coast Guard terms, the lighthouse is “made available at no cost to eligible entities defined as Federal agencies, state and local agencies, non-profit corporations, educational agencies, or community development organizations for educational, park, recreational, cultural or historic preservation purposes.“ Read more about it at Lighthouse Friends.

And honey, I’ll leave a light on for you.

Talk about green architecture! Talk about interior design! If you’ve ever prowled the American Southwest, you’ve doubtlessly observed how cool a cliff dwelling is during a scorching Arizona day. I lived in a cave on the island of Rhodes and never longed for electrical devices, heating or appliances. And now, you can buy the ultimate in cave homes just on the outskirts of Bisbee, Ariz.

Subterranean conversions feel just like home

Photo by Yahoo

This week, Yahoo reported on a 37-acre estate replete with a 2,890-square foot dwelling that includes a guest house, home office, and library. For $1.5 million you can take it all for granite.

Interior design for romantic primitives

Photo by The Seattle Times

An American photographer and her Turkish partner bought this lovely cave in Ortahisar, Turkey, and they outfitted the bedroom with a brass bed. They bought the cave for around $5,500, thereby forever avoiding Turkish window glass prices. Check out the story in the Seattle Times.

Going native

Photo by Inhabitat

Missouri is renowned for its sandstone caves. Here in Festus, Curt and Deborah Sleeper performed a mind-bending cave conversion into this 15,000-square-foot home that uses geothermal and passive solar energy. You won’t find a heater or air conditioner in the place!

Man-cave inside a cave

Photo by Underground Homes

If you love man caves, you’ll marvel at what the owner has done with this place in Coober Pedy, South Australia. Coober Pedy calls itself the “Opal Capital of the World” and more than half its residents live in underground homes.

Pass the SPF 5.

Beat seasonal flue

Photo by West County Fires

This Flueless Landscape Novo fireplace by England’s West Country Fires mounts on the wall, requires no chimney (provided your room has natural ventilation), and runs on natural or LPG gas. Frames come in Chrome, Graphite or in  Brilliant White.

Fireplaces as furniture

Photo by Gizmodo

The ARKIANE ICOI is a French mounted-fireplace, with a design modeled after an Inca queen who, legend says, left the Earth in the form of a blazing butterfly.The ICOI is also sold as a recessed model with only the façade and steel frame visible to the eye. A heat recovery unit and ash pan are in the wall interior. If your French is decent, check it out at ARKIANE.

Fireless pit

Photo by Misty Mountains

If you’re more the vinyl siding type than a darling of the uber-French bourgeois school, if you love leather and own a Harley, may I recommend this heat-less, maintenance-free wall treatment by Misty Mountains? Imagine a dreamy, prosaic night at the tattoo studio with just your sweetie, the latest edition of Ink Junky Magazine, a six-pack of Rainier Ale, and the two of you nested like Chinese soup spoons in front of this nougat of art.

The fireplace for windows

Photo by ImperiaSoft

Finally: the no-muss, no-fuss way to build a roaring fire. It’s the 3D Realistic Fireplace Screen Saver programmed by Geliosoft, makers of the 100 Happy Money Screensaver that animates bills and Euros raining down from the heavens. Mount a wireless monitor and you’re set. The fireplace screen saver comes with the sound of crackling wood, three different flame colors, burning logs, smoke and sparkles — and it’s password protected. (No way you want your teenagers to boot up this baby on prom night!)

Uptown pets only need apply

Photo by Carole Milker

According to contest sponsors, designer Frank Lindemann’s “Brown Tubes” pictured above is the “Waldorf Astoria of feral cat shelters”. Minutes after it was positioned outdoors, it was filled with meowing strays. Read more about the contest at The Architectural Record.

Pre-fab architecture for tabby

Photo by Gulf Coast Pet Supplies

Feral cat aid societies across the country want you to be considerate of less fortunate scamps this winter. If your conscious calls, you can buy a pre-fab kitty condo for the winter. This heated K&H Outdoor Thermo-Kitty Camper sells for $44.14.

Ugly is Eden to a mouser

Photo by Alley Cat

Your cat shelter need not be a glam product. Ally Cat Allies is a national stray animal advocacy organization that has posted detailed instructions for building your own insulated kitty shelter out of plywood and a roll of insulation. You can do it yourself or hire a contractor.

Cathouse on a hot tin roof

Photo by Cozy Winters

Feeling particularly generous? For $99 you can buy this portable heated shelter from Cozy Winters that uses a 20-watt dispersion heater operated by a thermostat. It’s a pad that’s just large enough to heat the undercarriage of your guest.

Bed and breakfast

Photo by North Jersey.com

Perhaps this is your preferred way of helping out. However, cat hoarders can really strain the budget in the winter. In New Jersey recently, Parsippany officials busted a woman who had 32 cats in a one-bedroom apartment. The cats, officials say, were breeding. Duh!

The U.S. Centers for Disease Control (CDC) reports of about 37,000 emergency room visits a year from victims of nail gun mishaps, some 40 percent to DIY homeowners who don’t work in the construction trades. Even among carpenters, the tools of destruction take their toll. Over a four-year stretch, the CDC says, one out of four apprentice carpenters are in inadvertently nailed; one out of five are injured twice.

Gettin’ nailed

Photo by Wise Brother

For heaven’s sake, the CDC says, take your hand off the trigger! Homeowners should buy nail guns with a full sequential trigger that protects them from rapid fire. Multiple nailers can end up sending a direct message to the brain via your expensive bridge work.

Home improvements, body decrements

Photo by Kaj R. Svensson

Nail guns are great time-saving tools for a range of jobs, from hanging drywall to vinyl siding. Workplace experts, The Occupational Safety & Health Administration, warns against novice use of the multi-shot, dual-action trigger which can be discharged by a simple bump.

Whoa, doggy!

Photo by News.com Australia

Lil’ pooches don’t like being nailed, either. Nails can ricochet when fired into hard surfaces or metal. Shoo away onlookers or anyone else not firing nail guns. Don’t expect nails to lodge into a piece of lumber; many projectiles pass through and keep on going. Fluke accidents, in retrospect, are completely understandable. A great many professional contractors are injured when they bypass tool safety mechanisms, the CDC says.

Be careful! You might just end up with unexpected bling:

Photo by Eplasty

Now the CPSC wants you to look at the model numbers of several winter heating appliances to make sure you’re not (out of ignorance or stubbornness) using a recalled product. Consider yourself duly warned.

Life is short

Photo by CPSC

Speaking of short, that’s what has happened to some of the 13,000 Touch Point Oscillating Ceramic Heaters imported by Meijer Inc. After two home fires were reported and 6,700 recalls, retailers apparently kept selling them. Now that’s tenacity. Consumer tip: if your room fills with smoke, open up or break out a window. I know there’s a related window replacement cost, but I guarantee it will  be less expensive than rebuilding your house.

HVAC villainy

Photo by CPSC

Do you need help in understanding the finer points of home ventilation? Put simply, when your Zoneline Air Conditioner and Heater caches flame and belches fumes, open a door or window and unplug the appliance. GE and Sharp have recalled 90,600 units after manufacturers discovered an electrical component in the units may fail.

Lasko buy a new one

Photo by CPSC

The CPSC reminds consumers to stop using The Lasko Model 5540 and Air King Model 8540 portable heaters. More than 107,000 have been recalled in response to fire hazards. Consumers reported that electrical connections in the bases melt. Contact the manufacturer for a refund.

Since we apparently need  reminders from the CPSC, here are a few facts about continuing to use recalled products:

• You do so under our own peril
• You’re refusing refunds or replacements for recalled items
• While there may be good excuses for burning down your home, fire inspectors may frown upon consumer negligence.

You’re lucky if you live in a residential conclave where there are homeowners’ association decorating caveats. Not everyone does, however. If you find yourself stuck next to a neighbor who believes that painting their home like a bilious gallbladder is a tasteful thing, you may be really stuck. In this market moving is not so easy.

Hello Kitty, goodbye sanity

Photo by House Logic

In 1960, Shintaro Tsuji created the now-legendary Hello, Kitty line of plastic purses. Today, there are 22,000 products lines in this motif. Let us hope that this is the only such home. I’m not recommending arson, but I’d certainly understand the impulse,

Purple rain, ugly residential pain

Photo by Country Joy Crafts

Several manufacturers make plum colored vinyl siding colors, but you’ve got to get out the buckets and  brushes to create something like this. It reminds me of the artificial color used in grape Popsicles. As I recall, the hue stayed on your tongue for the entire summer.

The sum-of-all-fears motif

Photo by Handiman Club

This theme combines all the elements of a metal roof patina, distressed shutter effects and contrasting flesh-tone paint. Unfortunately, they should never have been combined. Witness the tragic characteristics of a do-it-yourself exterior painting effort done while under the influence.

A bad idea executed to perfection

Photo by Recentering El Pueblo

I love the cottage and pueblo look you find in Arizona and California. I do not like the look that says, “Help, we’re trapped inside by creatures that eat brain cells.”  An appropriate façade for Solano Prison is not necessary an apt exterior for residential Santa Ana. If you can find a door bell, for heaven’s sake don’t ring it!

The earliest remnants of backed chairs were found in the tombs of Tutankhamun, wooden seats made with expert craftsmanship. It took until the American 1940s before Barcalounger began making the first recliners suitable for vegging in front of the television.

We’ve come a long way from Pharaoh seating. The old King would simply tut-tut these modern examples of furniture.

Designs that make a splash

Photo by Yanko Design

Designer Michael L. Wendel has found a way for anyone to perform a cannonball right in their own living room. The Splash Lounge Chair is molded from pink insulation foam and then slathered with four coats of Elmer’s glue. Spray on chopped fiberglass and finish with a coat of Bondo…and presto!

The handiest chair you can buy

Photo by Design Home Online

Many of the newest Ukranian designs are user-friendly, witness the warm greeting you get from this chair created by Oleksandr Shestakovych. Check out his portfolio at Behance.

The Russian crossover

Photo by Design Milk

Designers in Russia are also dashing out curiously playful furniture. This cross-legged chair by Vladimir Tsesler is actually a tripod. You’d have to try it out to see if it’s comfortable. I can imagine a fur coat draped across the back (faux mink, of course).

In the clover

Photo by Design Milk

This White Clover Chair by Driade was designed by Ron Arad. The seats, made of polypropylene mono-block, can be used inside the house or outdoors, where you can match them in a selection of hues to match your house siding colors. View more examples of Arad’s designs at Unica Home.

You may now be seated!

Set sail in the Schwimmhausboot

Photo by We Are Super Famous

German designers Flo Florian and Sascha Akkermann not only dreamed up this unique and ecologically green floating house, they went ahead and built it. These designers may work for a firm that calls itself “Confused Direction”, but there’s nothing confused about the re-use of 250-year-old salvaged larch wood. View more photos of the project at The Contemporist.

Silo artist

Photo by Accidental Mysteries

Gigaplex Architects built this 1,800-square-foot silo conversion on the banks of the Provo River in Woodland, Utah. Actually, it’s made from two silos joined at the hip. Southern exposure creates passive solar heat gain in the winter, while a digital thermostat activated by computer controls the propane heating stove.

Life on Earth

Photo by Design Home Online

This earthen home community in Dietikon, Switzerland is reminiscent of the childhood home of Luke Skywalker on Tatooine. Nine homes circle around a human-made lake and use recycled glass and other materials. If you dribbled wet sand on the beach to create futuristic homes as a child, you’d love living here. Well-insulated by design, these homes reduce the number of doors and windows, while skylights let in welcome sunlight to rooms beneath the ground.

Home in the nurbs

Photo by Ruiz-Geli

That’s right, I said nurbs, not burbs. Spanish designer Enric Ruiz-Geli originally created this bug-like “Villa Nurbs” home of joined pods as a work of art. Located along Spain’s elegant Costa Brava, Villa Nurbs features built-in ceramic protection from the ravages of hot summer sun. There’s a great story on Villa Nurbs and Ruiz-Geli in The New York Times.

Now let’s pop the cork on 2012!