10 Easy Ways to Save Money & Energy in Your Home

Homeowners have more to worry about than being ripped off by shady contractors in this lagging economy, but such a climate brings desperation -- and with it, sadly, fraud. Of course, the majority of tradesmen are generally honest professionals, but there is a large number of unscrupulous contractors who will fix items that don’t need fixing, or grossly overcharge you for services or parts. Worse, there are plenty of con artists posing as tradesmen who will simply take your money and run. Inspectors are often the first ones to uncover such fraud, so they too need to be familiar with its common forms in order to best serve their clients.  www.HomeBossInspection.com www.FLBoss.com Some common home repair scams include: roof work. Con artists are known to travel from state to state following natural disasters and looking for victims of storms. Beware of people who suddenly arrive in your neighborhood, offering to fix your roof at a discount. Also, don’t trust a roof...

www.HomeBossInspection.com Wind mitigation is the implementation of certain building techniques in order to limit damage caused by intense wind. A Few Facts About Windstorms and Wind Insurance In 2006, Citizens Insurance, one of the largest property insurers in Florida, requested a 45% rate increase for wind insurance. Other insurers took similar actions.  In Florida, the portion of a homeowner's premium covering wind damage can be up to 70% of the total, depending on location. Wind mitigation benefits homeowners, private insurers, and all levels of government. Incentives for Wind Mitigation In some states, homeowners can benefit from reduced insurance premiums. The Gulf Coast states, which are most prone to windstorm damage from hurricanes, have each considered mandating incentives to mitigate damage due to wind. Mississippi and Texas currently do not have such legislation, although Florida has been successful. Following Hurrica...

Roughly 57 million American homeowners belong to homeowners associations (HOAs), which are elected bodies that govern the lifestyle and architectural choices of their members. Largely unregulated by state and federal laws, HOAs are essentially autonomous "mini-governments" that sometimes exert enough power to bully their residents into foreclosure. Inspectors may want to arm themselves with knowledge concerning the struggles of their clients who live under HOAs. When Chicagoan Wally Kuchlewski, a 67-year-old machinist, returned to his condominium, he found all of his possessions on the street. His HOA had foreclosed on his home in response to $4,000 in unpaid dues -- that had drastically risen from $640 -- to cover the HOA’s attorney’s fees. The distraught Kuchlewski gunned down the secretary of the condominium board, killing her and wounding a bystander. Although extreme, Kuchlewski’s actions nevertheless demonstrate the escalating opposition to the unchecked authority...