Author Gives His Secret To Success

“Illinois Commercial Real Estate: Due Diligence to Closing, with Checklists” is written by Kymn Harp. The book is a practical handbook and unique source of for investors, developers, brokers, lenders, attorneys and others interested commercial real estate projects in Illinois. It is filled with insights from the author about his experiences growing up in a real estate family and his years working as a real estate attorney. It is also packed with words of wisdom and techniques for success…

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6 Flood Insurance Myths Debunked

(TNS)—If a flood swamps your home, will insurance cover the damage?

That depends on the value of your home, the amount of water damage and whether you have a flood insurance policy.

Regular home insurance doesn’t cover flooding. You’ll need a policy offered through the government’s National Flood Insurance Program (NFIP)—but note that those top out at $350,000 in coverage for your home and its contents. For higher amounts, you may need supplemental coverage to protect your savings from taking a hit.

People tend to associate floods with a total loss, but the average flood claim for U.S. homeowners is about $39,000, according to the NFIP.

Here are six other persistent myths about flood insurance—and the truths you need to know.

To Get a Policy, You Must Live in a Flood Plain
Not true. If you live in a flood plain, your mortgage company will likely require you to buy flood insurance, but you can purchase it even if you don’t live within a flood zone.

“Almost anybody can get flood insurance who wants flood insurance,” says Chris Hackett, director of Personal Lines for the Property Casualty Insurers Association of America.

The price through the federal flood insurance program is based on standardized rates and depends on the home’s value and whether or not it’s in a flood plain, says Don Griffin, vice president of Personal Lines for the Property Casualty Insurers Association of America.

The average price for flood insurance is about $660 annually. Your agent can help you buy a policy and may accept payment by credit card.

According to Griffin, one in four flood claims is for a home not in a flood plain.

Flood Insurance Is Just for High-Risk Areas
Merle Scheiber’s dream home wasn’t in a flood plain, and he didn’t have flood insurance.

Just after completing a three-year renovation project for his 1,800-square-foot, cabin-style home, flooding put it underwater for almost four months.

Scheiber, who happened to be South Dakota’s director of Insurance at the time, says he had to tear the home apart and put it back together all over again.

He urges that all homeowners—even those who do not live in designated flood plains—weigh the dangers and their options and seriously consider buying flood insurance.

Flood Insurance Covers Everything
Not necessarily. When it comes to the physical structure of your house, federal flood insurance policies top out at $250,000. If you have a $300,000 house that’s a total loss because of a flood, the most you can recoup through the program is $250,000 to cover the structure itself.

For your personal possessions, the cap is $100,000 under the federal program.

If you already have insurance through the federal program, then you can buy “excess flood insurance” through a private carrier that would cover claims above the national limits. In essence, it’s a flood policy with a $250,000 deductible, Griffin says.

Note that flood insurance doesn’t cover living expenses if you have to relocate while your home is being repaired.

My Homeowners Policy Covers Floods
“Unfortunately, a lot of folks may be under the impression that their standard homeowners policy might cover flood damage,” Hackett says. But the standard policy doesn’t.

The typical home insurance policy doesn’t cover earthquakes or floods, so a homeowner wanting coverage for either of those disasters will need to pick up separate, specific coverage against those types of disasters.

If you want flood insurance, it pays to think ahead. There is a 30-day waiting period between when you buy the coverage and when it kicks in. When a hurricane is bearing down on your area, it’s too late to get a flood policy.

Water Damage Is Water Damage
When it comes to your insurance, not all water damage is the same.

If there’s a storm and your “roof comes off and water comes through, that would be covered under your homeowners policy,” Hackett says, “versus a flood situation where the riverbank overflows and you look out of the front of your house and you need a boat to get from point A to point B.”

Most consumers “have a pretty good understanding” of how to draw the line between storm damage and flood damage, he says.

Some homeowners policies offer an optional “water-backup endorsement” that covers damage from water backing up into your home from causes such as a broken sump pump.

Flood Maps Don’t Change
Flood plains (and flood plain maps) change and evolve. Just because you weren’t in a flood plain when you bought your home a few years ago doesn’t mean you’re not in one now.

There are a couple of ways you can find out about your flood risks.

  • gov: This site will allow you to put in your address and see if it’s in a flood plain, and give you information on risks, premiums and agents. But use it as one tool, not the final word on whether your home is in a flood plain.
  • Your insurance agent: When it comes to researching whether your home is in a flood plain, you definitely want someone knowledgeable to research the question for you—and, you might want to get a second opinion from a different agent.

“Agents have different levels of sophistication with regard to this product,” says Griffin. “You get a different answer sometimes. So you make a couple of checks to make sure you’re protecting yourself.”

©2017 Bankrate.com

Distributed by Tribune Content Agency, LLC

For the latest real estate news and trends, bookmark RISMedia.com.

The post 6 Flood Insurance Myths Debunked appeared first on RISMedia.

Continue Reading →

6 Flood Insurance Myths Debunked

(TNS)—If a flood swamps your home, will insurance cover the damage?

That depends on the value of your home, the amount of water damage and whether you have a flood insurance policy.

Regular home insurance doesn’t cover flooding. You’ll need a policy offered through the government’s National Flood Insurance Program (NFIP)—but note that those top out at $350,000 in coverage for your home and its contents. For higher amounts, you may need supplemental coverage to protect your savings from taking a hit.

People tend to associate floods with a total loss, but the average flood claim for U.S. homeowners is about $39,000, according to the NFIP.

Here are six other persistent myths about flood insurance—and the truths you need to know.

To Get a Policy, You Must Live in a Flood Plain
Not true. If you live in a flood plain, your mortgage company will likely require you to buy flood insurance, but you can purchase it even if you don’t live within a flood zone.

“Almost anybody can get flood insurance who wants flood insurance,” says Chris Hackett, director of Personal Lines for the Property Casualty Insurers Association of America.

The price through the federal flood insurance program is based on standardized rates and depends on the home’s value and whether or not it’s in a flood plain, says Don Griffin, vice president of Personal Lines for the Property Casualty Insurers Association of America.

The average price for flood insurance is about $660 annually. Your agent can help you buy a policy and may accept payment by credit card.

According to Griffin, one in four flood claims is for a home not in a flood plain.

Flood Insurance Is Just for High-Risk Areas
Merle Scheiber’s dream home wasn’t in a flood plain, and he didn’t have flood insurance.

Just after completing a three-year renovation project for his 1,800-square-foot, cabin-style home, flooding put it underwater for almost four months.

Scheiber, who happened to be South Dakota’s director of Insurance at the time, says he had to tear the home apart and put it back together all over again.

He urges that all homeowners—even those who do not live in designated flood plains—weigh the dangers and their options and seriously consider buying flood insurance.

Flood Insurance Covers Everything
Not necessarily. When it comes to the physical structure of your house, federal flood insurance policies top out at $250,000. If you have a $300,000 house that’s a total loss because of a flood, the most you can recoup through the program is $250,000 to cover the structure itself.

For your personal possessions, the cap is $100,000 under the federal program.

If you already have insurance through the federal program, then you can buy “excess flood insurance” through a private carrier that would cover claims above the national limits. In essence, it’s a flood policy with a $250,000 deductible, Griffin says.

Note that flood insurance doesn’t cover living expenses if you have to relocate while your home is being repaired.

My Homeowners Policy Covers Floods
“Unfortunately, a lot of folks may be under the impression that their standard homeowners policy might cover flood damage,” Hackett says. But the standard policy doesn’t.

The typical home insurance policy doesn’t cover earthquakes or floods, so a homeowner wanting coverage for either of those disasters will need to pick up separate, specific coverage against those types of disasters.

If you want flood insurance, it pays to think ahead. There is a 30-day waiting period between when you buy the coverage and when it kicks in. When a hurricane is bearing down on your area, it’s too late to get a flood policy.

Water Damage Is Water Damage
When it comes to your insurance, not all water damage is the same.

If there’s a storm and your “roof comes off and water comes through, that would be covered under your homeowners policy,” Hackett says, “versus a flood situation where the riverbank overflows and you look out of the front of your house and you need a boat to get from point A to point B.”

Most consumers “have a pretty good understanding” of how to draw the line between storm damage and flood damage, he says.

Some homeowners policies offer an optional “water-backup endorsement” that covers damage from water backing up into your home from causes such as a broken sump pump.

Flood Maps Don’t Change
Flood plains (and flood plain maps) change and evolve. Just because you weren’t in a flood plain when you bought your home a few years ago doesn’t mean you’re not in one now.

There are a couple of ways you can find out about your flood risks.

  • gov: This site will allow you to put in your address and see if it’s in a flood plain, and give you information on risks, premiums and agents. But use it as one tool, not the final word on whether your home is in a flood plain.
  • Your insurance agent: When it comes to researching whether your home is in a flood plain, you definitely want someone knowledgeable to research the question for you—and, you might want to get a second opinion from a different agent.

“Agents have different levels of sophistication with regard to this product,” says Griffin. “You get a different answer sometimes. So you make a couple of checks to make sure you’re protecting yourself.”

©2017 Bankrate.com

Distributed by Tribune Content Agency, LLC

For the latest real estate news and trends, bookmark RISMedia.com.

The post 6 Flood Insurance Myths Debunked appeared first on RISMedia.

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Official: Tender for Makkah Metro may be awarded in 2018

The tender for Phase 2 of Makkah?s first rail system may be awarded by next year, an official close to the project has said Continue Reading →

In Pictures: Top 10 projects from 2017 Construction Week Power 100

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Check out the key projects that the top 10 entries of Construction Week’s 2017 Power 100 are currently working on Continue Reading →

EMSL Dallas Receives California ELAP Accreditation for Asbestos Analysis

EMSL Analytical, Inc. is pleased to announce that its Dallas, Texas testing laboratory is now accredited for asbestos analysis through the California State Environmental Laboratory Accreditation Program (CA ELAP). – – Asbestos is a mineral fiber that that has commonly been used in a variety of building construction materials as a fire-retardant as well as for insulation. When asbestos becomes friable and is inhaled or ingested, it can be carcinogenic. Because of this, asbestos has been rem…

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5 Life Hacks Using Smart Home Devices

Editor’s Note: This was originally published on RISMedia’s blog, Housecall. See what else is cookin’ now at blog.rismedia.com:

Clean floors and fresh java are hardly the coolest things you can get from using smart devices like robotic vacuums and automatic coffee makers in your home. Whether you’re already benefitting from smart devices or not, here are some unexpected ways you can harness this smart tech to spice up your home.

  1. Handy Diet Helper
    Door sensors aren’t just for keeping burglars out of your house—they can also help you stick to a diet plan. If you’re counting calories, try adding a sensor to the door of your fridge or cupboard where you keep all the most tempting snacks. This clever hack helps keep you honest whether you’re watching your waistline to get back into your favorite jeans or trying to improve your health after your latest physical.

Vivint offers sleek, discreet door sensors that you can easily add to any door—including your fridge and cupboard doors—and once in place, they’re barely noticeable. If you’ve tried and failed to stick to a healthy regimen, then these sensors could be the extra item you need to be accountable for your diet plan and to be as successful as possible. You can also set up alerts that let your support system of friends and family members know when you’re perusing the fridge for a snack so they can give you a friendly reminder to go for something healthier.

  1. Smart Sleep Aid
    Sometimes, you may struggle to get your zzzs, and a pattern of restless nights can affect your work, health, and attitude. Rather than turning to pharmaceuticals to get your full eight hours, try resetting your body’s natural circadian rhythm with smart lighting that mimics the sun’s rising and setting patterns.

Lighting Science offers bulbs that can make this goal easier to attain. The bulbs give off light that doesn’t interfere with melatonin production and complements your body’s biological circadian rhythm, allowing you to get quality sleep each night. Pair their nighttime and morning bulbs with a smart lighting switch like the Caséta Wireless dimmer and correlating app so you can set your household’s bedtime and wake-up calls with just the swipe of your finger. It’s an ideal solution for back-to-school season or to get ready for and recover from holiday travels.

  1. After School Assistant
    It’s tough to be at work when your little ones get home from school, but thanks to smart technology, you can now greet your kids as soon as they walk in the door—no matter where you are. Two-way video calling lets you welcome your children home, check in on homework, oversee snacks, and make sure they’re attending to chores.

A system such as the Nucleus Anywhere Intercom is the perfect device to help you stay connected. The video-enabled intercom is easy to set up and simple to use. It connects instantly, so you don’t have to wait long for your kids to answer your call. You can also use Amazon’s Alexa to connect to and control the system.

  1. Sneaky Teen Booby Trap
    For some teenagers, sneaking out of the house at night is a rite of passage, but that doesn’t make it safe. If you’re concerned about your teen prowling the neighborhood streets when they should be home, enlist the help of motion-activated lighting to keep them in check.

With Ring’s Floodlight Cam, you can capture your teen sneaking out on video. The system will even light up and sound an alarm when it detects them. These may seem like extreme measures, but there’s no better time to pull out all the stops than when your kids need to be saved from themselves.

  1. Helpful Green Thumb Hack
    Win first prize at the garden club or the county fair by putting smart tech to use in your garden. A Wi-Fi–based plant sensor, like the Koubachi, can finally help you turn your thumb green. This nifty gadget measures ambient temperature, soil moisture, and light levels to ensure your plants get the precise care they need to thrive. The paired app even sends email alerts and push notifications with the latest status of your plants along with up-to-the minute advice to keep your blue ribbon dreams on track.

You can use this one sensor to track multiple plants inside your home or out in the garden—but you need to snap this smart device up fast. The Husqvarna Group recently acquired the Koubachi company, and the current design will only be available through 2018. After that time, you’ll have access to the GARDENA smart system if you’d like to use this tech as you garden.

These life hacks are just the tip of the iceberg when it comes to what smart devices can do for you. Start thinking outside the box with your smart gadgets and stay up to date on the huge variety of devices available. With new technology hitting the market nearly every week, there’s something out there to make anyone’s life easier, more connected, and—yes—smarter.

For the latest real estate news and trends, bookmark RISMedia.com.

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Major poultry facilities project to take shape in Oman

Muscat-based Al Namaa Poultry will develop one of the biggest poultry projects in the Sultanate of Oman with a meat production capacity of 60,000MT per annum near Ibri in the country?s northwest Continue Reading →

DEWA awards $68m contract for water pipeline project

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Dubai Electricity and Water Authority (DEWA) has awarded a $68m (AED248m) contract to supply, extend and commission 40km of water pipelines near Al Qudra and Al Ain highway areas in Dubai Continue Reading →

$359,900 :: 0 Withey, Columbus MI, 48063

Property Photo

4 beds, 3 baths
Home size: 2,217 sq ft
Lot Size: 265,280 sq ft
Added: 06/26/17, Last Updated: 06/27/17
Property Type: Single Family
MLS Number: 31323688
Community: Columbus Twp (74013)
Tract: N/A
Status: Active

New construction 4 bedroom home. Laundry on same floor as bedrooms for convenience. Open floor plan. Large Master Suite with private bath and walk in closet. Formal Dining can be converted into home office. Richmond Schools. Natural Gas. Over 6 acres. Home to be Built.

Listed with Real Living Kee Realty-W


Brought to you by Janet Hull and Thomas Bush, Real Estate One, Inc.. Call me today at 1-855-Janet-Tom, or visit my website at www.JanetandThomas.com!


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