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Roofing

We’ve learned from Katrina and tornadoes in Joplin and Tuscaloosa that natural disasters are no joke. There are still parts of those cities that still look like they were carpet combed. You see empty lots where the owners lacked the money to rebuild or just up and moved from communities vulnerable to nature’s fury.

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

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

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

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

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

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.

When it comes to creating a one-of-a-kind home, some people have little regard for the emotional well-being of their neighbors. A quick 911 call after hours will handle a neighbor with a blistering stereo system. But what number can you call when your neighbor has a brutally loud paint job?

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

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

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

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

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!

Recent Comments

  • Kid's stuff:Bedroom furniture for dreamers

    Hey Woodrow,

    You've put together a great post here. Hardwearing and long-lasting bedroom furniture is so important when you have young children, and choosing pieces which can handle the rough-and-tumble that comes with having little ones is key!

    Best wishes, Alex.

  • Awesomely Oddball Lawn and Garden Accessories

    I plan to do this. What was your process in painting the bottom...outside portion of the tub?

  • Poor staging can crush your home sale

    Woodrow, you have once again 'nailed' the essence of the issue of staging your home for sale with easy to understand pics and words. These are definitely rules to live by, oh wise one! I know I"m soaking up the knowledge you share--- now excuse me while I wring myself out. Can't wait for the next issue.

  • To everyone, a room of one's own

    We've recently bought a house which needs A LOT of work and I'm trying to convince my other half to let me build a "room of my own" for the house, one where I can put my games console and beer fridge. She's not gone for it yet though. The most I've managed to get is an office I can work out of ... not quite the same ... LoL.

    Mine would certainly be like the car boot room in the first image :)

    Ben

  • Home designs you haven’t seen before

    I wonder how far the folks in the Rock House are able to drive in their car? Maybe down to their boat? It's so true that home is where you are at the moment.