Category Archives: Homeowners

How to prepare your home for winter

Associated Content says, “The proper preparation of your home for the cold winter months [that] lie ahead can ensure that your heating bills will be lowered, your home will be protected from storm damage and potential worries will be dispatched. Preparing your home for the winter months should only take a day or two at most of your time, and the associated costs should be minimal if issues are addressed personally. Continue reading

Originally posted 2016-10-17 09:30:32.

Is your chimney leaking?

One thing that brick chimneys, stone chimneys and fireplaces have in common is that eventually most will require some type of maintenance to keep a water tight seal. Leaks into a chimney can cause unsafe heating equipment as well as costly damage to the chimney, the appliances connected to it, and to the building itself. Continue reading

Originally posted 2016-10-10 10:10:37.

Roofing: Pre-winter Check

Your roof can be the second most expensive home repair/replacement you face (the foundation being first). As with most things in life, an ounce of prevention is worth a pound of cure. Weather allowing, November & December is as good time to perform a roof checkup to help diagnose potential problems early. Arm yourself with The National Roofing Contractors Association’s (NRCA’s) roof checkup guide for homeowners. Also, the NRCA can help point you to a reliable roofer. Click here for details.

Originally posted 2016-10-04 16:21:02.

Plumbing Terms

Plumbing may be defined as the practice, materials and fixtures used in the installation, maintenance and alteration of all piping, fixtures, appliances and appurtenances in connection with sanitary and storm drainage facilities, the venting system, and public and private water supply systems. Plumbing does not include the trade of drilling water wells, installing water-softening equipment, or the business of manufacturing or selling plumbing fixtures, appliances, equipment or hardware. A plumbing system consists of three separate parts: an adequate potable water supply system; a safe, adequate drainage system; and ample fixtures and equipment.

Background Factors

The generalized inspection of a home is concerned with a safe water supply system, an adequate drainage system, and ample and proper fixtures and equipment. This article explains features of a residential plumbing system, and the basic plumbing terms the inspector must know and understand to properly identify housing code violations involving plumbing and the more complicated defects that s/he will refer to the appropriate agencies. Only InterNACHI inspectors are sufficiently trained to spot complicated defects that others will overlook.

Definitions

Air Chambers
Pressure absorbing devices that eliminate water hammer. They should be installed as close as possible to the valves or faucet and at the end of long runs of pipe.

Air Gap (Drainage System)
The unobstructed vertical distance through the free atmosphere between the outlet of a water pipe and the flood level rim of the receptacle into which it is discharging.

Air Gap (Water Distribution System)
The unobstructed vertical distance through the free atmosphere between the lowest opening from any pipe or faucet supplying water to a tank, plumbing fixture, or other device and the flood level rim of the receptacle.

Air Lock
An air lock is a bubble of air which restricts the flow of water in a pipe.

Backflow
The flow of water or other liquids, mixtures, or substances into the distributing pipes of a potable water supply from any source or sources other than the intended source. Back siphonage is one type of backflow.

Back Siphonage
The flowing back of used, contaminated, or polluted water from a plumbing fixture or vessel into a potable water supply due to a negative pressure in the pipe.

Branch
Any part of the piping system other than the main, riser, or stack.

Branch Vent
A vent connecting one or more individual vents with a vent stack.

Building Drain
The part of the lowest piping of a drainage system that receives the discharge from soil, waste, or other drainage pipes inside the walls of the building (house) and conveys it to the building sewer beginning 3 feet outside the building wall.

Cross Connection
Any physical connection or arrangement between two otherwise separate piping systems, one of which contains potable water and the other either water of unknown or questionable safety or steam, gas, or chemical whereby there may be a flow from one system to the other, the direction of flow depending on the pressure differential between the two systems. (See Backflow and Back siphonage.)

Disposal Field
An area containing a series of one or more trenches lined with coarse aggregate and conveying the effluent from the septic tank through vitrified clay Pine or perforated, non-metallic pipe, laid in such a manner that the flow will be distributed with reasonable uniformity into natural soil.

Drain
Any pipe that carries waste water or water-borne waste in a building (house) drainage system.

Flood Level Rim
The top edge of a receptacle from which water overflows.

Flushometer Valve
A device that discharges a predetermined quantity of water to fixtures for flushing purposes and is closed by direct water pressures.

Flush Valve
A device located at the bottom of the tank for flushing water closets and similar fixtures.

Grease Trap
See Interceptor.

Hot Water
Potable water that is heated to at least 120°F and used for cooking, cleaning, washing dishes, and bathing.

Insanitary
Contrary to sanitary principles injurious to health.

Interceptor
A device designed and installed so as to separate and retain deleterious, hazardous, or undesirable matter from normal wastes and permit normal sewage or liquid wastes to discharge into the drainage system by gravity.

Leader
An exterior drainage pipe for conveying storm water from roof or gutter drains to the building storm drain, combined building sewer, or other means of disposal.

Main Vent
The principal artery of the venting system, to which vent branches may be connected.

Main Sewer
See Public Sewer.

Pneumatic
The word pertains to devices making use of compressed air as in pressure tanks boosted by pumps.

Potable Water
Water having no impurities present in amounts sufficient to cause disease or harmful physiological effects and conforming in its bacteriological and chemical quality to the requirements of the Public Health Service drinking water standards or meeting the regulations of the public health authority having jurisdiction.

P & T (Pressure and Temperature) Relief Valve
A safety valve installed on a hot water storage tank to limit temperature and pressure of the water.

P Trap
A trap with a vertical inlet and a horizontal outlet.

Public Sewer
A common sewer directly controlled by public authority.

Relief Vent
An auxiliary vent that permits additional circulation of air in or between drainage and vent systems.

Septic Tank
A watertight receptacle that receives the discharge of a building’s sanitary drain system or part thereof and is designed and constructed so as to separate solid from the liquid, digest organic matter through a period of detention, and allow the liquids to discharge into the soil outside of the tank through a system of open-joint or perforated piping, or through a seepage pit.

Sewerage System
A sewerage system comprises all piping, appurtenances, and treatment facilities used for the collection and disposal of sewage, except plumbing inside and in connection with buildings served and the building drain.

Soil Pipe
The pipe that directs the sewage of a house to the receiving sewer, building drain, or building sewer.

Soil Stack
The vertical piping that terminates in a roof vent and carries off the vapors of a plumbing system.

Stack Vent
An extension of a solid or waste stack above the highest horizontal drain connected to the stack. Sometimes called a waste vent or a soil vent.

Storm Sewer
A sewer used for conveying rain water, surface water, condensate. cooling water, or similar liquid waste.

Trap
A trap is a fitting or device that provides a liquid seal to prevent the emission of sewer gases without materially affecting the flow of sewage or waste water through it.

Vacuum Breaker
A device to prevent backflow (back siphonage) by means of an opening through which air may be drawn to relieve negative pressure (vacuum).

Vent Stack
The vertical vent pipe installed to provide air circulation to and from the drainage system and that extends through one or more stories.

Water Hammer
The loud thump of water in a pipe when a valve or faucet is suddenly closed.

Water Service Pipe
The pipe from the water main or other sources of potable water supply to the water-distributing system of the building served.

Water Supply System
The water supply system consists of the water service pipe, the water-distributing pipes, the necessary connecting pipes, fittings, control valves, and all appurtenances in or adjacent to the building or premises.

Wet Vent
A vent that receives the discharge of waste other than from water closets.

Yoke Vent
A pipe connecting upward from a soil or waste stack to a vent stack for the purpose of preventing pressure changes in the stacks.

Main Features of an Indoor Plumbing System

The primary functions of the plumbing system within the house are as follows:

  • To bring an adequate and potable supply of hot and cold water to the users of the dwelling.
  • To drain all waste water and sewage discharged from these fixtures into the public sewer, or private disposal system.

It is, therefore, very important that the housing inspector familiarize himself fully with all elements of these systems so that he may recognize inadequacies of the structure’s plumbing as well as other code violations.

Elements of a Plumbing System

Water Service: The piping of a house service line should be as short as possible. Elbows and bends should be kept to a minimum since these reduce the pressure and therefore the supply of water to fixtures in the house. The house service line should also be protected from freezing. The burying of the line under 4 feet of soil is a commonly accepted depth to prevent freezing. This depth varies, however, across the country from north to south. The local or state plumbing code should be consulted for the recommended depth in your area of the country.

The materials used for a house service may be copper, cast iron, steel or wrought iron. The connections used should be compatible with the type of pipe used.

Corporation stop:  The corporation stop is connected to the water main. This connection is usually made of brass and can be connected to the main by use of a special tool without shutting off the municipal supply. The valve incorporated in the corporation stop permits the pressure to be maintained in the main while the service to the building is completed.

Curb stop:  The curb stop is a similar valve used to isolate the building from the main for repairs, nonpayment of water bills, or flooded basements. Since the corporation stop is usually under the street and would necessitate breaking the pavement to reach the valve, the curb stop is used as the isolation valve.

Curb stop box:  The curb stop box is an access box to the curb stop for opening and closing the valve. A long-handled wrench is used to reach the valve.

Meter stop:  The meter stop is a valve placed on the street side of the water meter to isolate the meter for installation or maintenance. Many codes require a gate valve on the house side of the meter to shut off water for house plumbing repairs. The curb and meter stops are not to be used frequently and can be ruined in a short time if used very frequently.

Water meter:  The water meter is a device used to measure the amount of water used in the house. It is usually the property of the city and is a very delicate instrument that should not be abused. Since the electric system is usually grounded to the water line, a grounding loop-device should be installed around the meter. Many meters come with a yoke that maintains electrical continuity even though the meter is removed.

Hot and Cold Water Main Lines: The hot and cold water main lines are usually hung from the basement ceiling and are attached to the water meter and hot-water tank on one side and the fixture supply risers on the other. These pipes should be installed in a neat manner and should be supported by pipe hangers or straps of sufficient strength and number to prevent sagging. Hot and cold water lines should be approximately 6 inches apart unless the hot water line is insulated. This is to insure that the cold water line does not pick up heat from the hot water line. The supply mains should have a drain valve or stop and waste valve in order to remove water from the system for repairs. These valves should be on the low end of the line or on the end of each fixture riser.

The fixture risers start at the basement main and rise vertically to the fixtures on the upper floors. In a one-family dwelling, riser branches will usually proceed from the main riser to each fixture grouping. In any event the fixture risers should not depend on the branch risers for support but should be supported with a pipe bracket. Each fixture is then connected to the branch riser by a separate line. The last fixture on a line is usually connected directly to the branch riser.

Hot Water Heaters: Hot water heaters are usually powered by electricity, fuel oil, gas, or in rare cases, coal or wood. They consist of a space for heating the water and a storage tank for providing hot water over a limited period of time. All hot water heaters should be fitted with a temperature-pressure relief valve no matter what fuel is used. This valve will operate when either the temperature or the pressure becomes too high due to an interruption of the water supply or a faulty thermostat.

Pipe Sizes: The size of basement mains and risers depends on the number of fixtures supplied. However, a 3/4-inch pipe is usually the minimum size used. This allows for deposits on the pipe due to hardness in the water and will usually give satisfactory volume and pressure.

Drainage System

The water supply brought into the house and used is discharged through the drainage system. This system is either a sanitary drainage system carrying just interior waste water or a combined system carrying interior waste and roof runoff.

Sanitary Drainage System: The proper sizing of the sanitary drain or house drain depends on the number of fixtures it serves. The usual minimum size is 6 inches in dial diameter. The materials used are usually cast iron, vitrified clay, plastic, and in rare cases, lead. For proper flow in the drain the pipe should be sized so that it flows approximately one-half full. This ensures proper scouring action so that the solids contained in the waste will not be deposited in the pipe.

Sizing of house drain: The Uniform Plumbing Code Committee has developed a method of sizing of house drains in terms of “fixture units.” One ”fixture unit” equals approximately 71 D2 gallons of water per minute. This is the surge flow-rate of water discharged from a wash basin in 1 minute. All other fixtures have been related to this unit.

Sanitary Drain Sizes

Grade of house drain: A house drain or building sewer should be sloped toward the sewer to ensure scouring of the drain. The usual pitch of a house or building sewer is 1 D4 inch fall in 1 foot of length.

Fixture and branch drains: A branch drain is a waste pipe that collects the waste from two or more fixtures and conveys it to the building or house sewer. It is sized in the same way as the house sewer, taking into account that all water closets must have a minimum 3-inch diameter drain, and only two water closets may connect into one 3-inch drain.

All branch drains must join the house drain with a “Y” -type fitting. The same is true for fixture drains joining branch drains. The “Y” fitting is used to eliminate, as much as possible, the deposit of solids in or near the connection. A build-up of these solids will cause a blockage in the drain.

Traps: A plumbing trap is a device used in a waste system to prevent the passage of sewer gas into the structure and yet not hinder the fixture’s discharge to any great extent. All fixtures connected to a household plumbing system should have a trap installed in the line.

The effect of sewer gases on the human body are known; many are extremely harmful. Additionally, certain sewer gases are explosive. A trap will prevent these gases from passing into the structure. The depth of the seal in a trap is usually 2 inches. A deep seal trap has a 4-inch seal.

The purpose of a trap is to seal out sewer gases from the structure. Since a plumbing system is subject to wide variations in flow, and this flow originates in many different sections of the system, there is a wide variation in pressures in the waste lines. These pressure differences tend to destroy the water seal in the trap. To counteract this problem mechanical traps were introduced. It has been found, however, that the corrosive liquids flowing in the system corrode or jam these mechanical traps. It is for this reason that most plumbing codes prohibit mechanical traps.

There are many manufacturers of traps, and all have varied the design somewhat. The “P” trap is usually found in lavatories, sinks, urinals, drinking fountains, showers, and other installations that do not discharge a great deal of water.

Drum trap
The drum trap is another water seal-type trap. They are usually used in the 4×5-inch or 4×8-inch sizes. These traps have a greater sealing capacity than the “P” trap and pass large amounts of water quickly. Drum traps are commonly connected to bathtubs, foot baths, sitz baths, and modified shower baths.

Objectionable traps
The “S” 1 and the 3h “S” trap should not be us in plumbing installations. They are almost impossible to ventilate properly, and the 3h “S” trap forms a perfect siphon.
The bag trap, an extreme form of “S” trap, is seldom found.

Any trap that depends on a moving part for its effectiveness is usually inadequate and has been prohibited by the local plumbing codes. These traps work, but their design usually results in their being higher priced than the “P” or drum traps. It should be remembered that traps are used only to prevent the escape of sewer gas into the structure. They do not compensate for pressure variations. Only proper venting will eliminate pressure problems.

Ventilation

A plumbing system is ventilated to prevent trap seal loss, material deterioration. and flow retardation.

Trap Seal Loss

The seal in a plumbing trap may be lost due to siphonage (direct and indirect or momentum), back pressure, evaporation, capillary attraction, or wind effect. The first two named are probably the most common causes of loss. If a waste pipe is placed vertically after the fixture trap, as in an “S” trap, the waste water continues to flow after the fixture is emptied and clears the trap. This is caused by the pressure of air on the fixture water’s being greater than the pressure of air in the waste pipe. The action of the water discharging into the waste pipe removes the air from that pipe and thereby causes a negative pressure in the waste line. In the case of indirect or momentum siphonage, the flow of water past the entrance to a fixture drain in the waste pipe removes air from the fixture drain. This reduces the air pressure in the fixture drain, and the entire assembly acts as an aspirator such as the physician uses to spray an infected throat.

Back Pressure

The flow of water in a soil pipe varies according to the fixtures being used. A lavatory gives a small flow and a water closet a large flow. Small flows tend to cling to the sides of the pipe, but large ones form a slug of waste as they drop. As this slug of water falls down the pipe the air in front of it becomes pressurized. As the pressure builds it seeks an escape point. This point is either a vent or a fixture outlet. If the vent is plugged or there is no vent, the only escape for this air is the fixture outlet. The air pressure forces the trap seal up the pipe into the fixture. If the pressure is great enough the seal is blown out of the fixture entirely. Figures 6-17 and 6-18 illustrate this type of problem.

Vent Sizing

Vent pipe installation is similar to that of soil and waste pipe. The same fixture unit criteria are used. Vent pipes of less than 11 D4 inches in diameter should not be used. Vents smaller than this diameter tend to clog and do not perform their function.

Individual fixture ventilation:  This type of ventilation is generally used for sinks, lavatories, drinking fountains, and so forth

Unit venting:  The unit venting system is commonly used in apartment buildings. This type of system saves a great deal of money and space when fixtures are placed back to back in separate apartments.

Wet venting:  Wet venting of a plumbing system is common in household bathroom fixture grouping. It is exactly what the name implies: the vent pipe is used as a waste line.

Total Drainage System

Up to now we have covered the drain, soil waste, and vent systems of a plumbing system separately. For a working system, however, they must all be connected.

Originally posted 2016-09-26 08:00:40.

House-moving

by Nick Gromicko, InterNACHI

House-moving is the process of picking a house up off its foundation and transporting it elsewhere, sometimes many miles away. While it may seem that moving hundreds of tons of fragile building materials is impractical, there are, in fact, many legitimate reasons to relocate a whole house:

  • to escape environmental threats, such as flooding;
  • to rescue houses from planned development, such as encroaching highways, railroads or shopping centers. Many historical houses are rescued from destruction in this way;
  • to save the owner the cost of demolition. In some instances, it might be more cost-effective to move a house elsewhere and have it re-occupied than to dismantle it and dispose of the parts;
  • because it’s environmentally friendlier to recycle a livable house than send its many parts to a landfill;
  • to increase the home’s value by moving it onto a more valuable plot of land;
  • to subdivide a property so it can accommodate more homes; and
  • to escape the view, the neighbors, the odors from a new garbage dump nearby, or countless other personal and practical reasons.

And, occasionally, a homeowner just wants to give their house away to a friend. In one publicized instance, old friends offered their old home to a couple in Avalon, New Jersey, because it was in the path of the construction of their planned new home. The New Jersey couple also received $20,000 – the price that the original owners would have had to pay to have the house demolished – to help transport it off the lot. The three-bedroom ranch-style home found grateful new owners, while the home’s original tenants freed up their space for new development without excess expense.

Nevertheless, moving an entire house comes with its share of challenges:

  • Some jurisdictions require a moved house to meet the same building codes as new construction, such as inspection for asbestos and lead paint. Be sure to hire an InterNACHI inspector to help the house comply with local requirements when the house-move has been finalized.
  • A structural engineer may need to be brought in to make sure that the house is safe to move.
  • Contractors will need to be hired to remove wiring, plumbing, drywall and foundation supports before the move, and then set everything back up in the new location.
  • The expense of the move itself can be prohibitive, depending on the size of the building and the distance of the move. Other factors include:
    • the condition of the roads. Ideally, the roads between locations will be wide and straight enough to accommodate the house-truck combination. A house might not make it to a plot of land at the end of a narrow, winding country road;
    • utility companies will likely need to lower or raise power lines and other public utilities to make room for the house move;
    • some parts of the country are too crowded to permit cost-effective house relocation. It’s difficult to come out ahead financially on the East Coast, for instance, where the maze of traffic, traffic lights, utility wires and buildings make such a large move difficult. The West and Midwest are generally easier places to relocate a house; and
    • special insurance may be required, in case the move causes property damage or injury.
In summary, houses are transported at great expense for a variety of reasons.  House-moving businesses with the appropriate contacts and resources can help those considering such an undertaking in the decision-making process.

Originally posted 2016-06-24 07:00:55.

How to Be a Successful Landlord

Being a competent landlord requires a unique set of responsibilities and skills that makes the job unfit for many people. They must know how to find a safe and smoothly functioning property that will function as a money-making rental, and know how to generate interest in the property while being honest and not scaring anyone away. Perhaps most difficult is that they must be mature during inevitable conflicts, and have the courage to evict a tenant, when necessary, without becoming emotionally involved. Good landlords must perform these duties and more in a way that satisfies their tenants and earns a profit, all while maintaining a calm countenance, even during disputes. To make the job a bit more manageable, we sat down with career landlord Geoffrey Bostwick to compile a few tips that prospective landlords should study before entering the field. (read full article on InterNACHI)

Originally posted 2015-12-29 07:00:11.

15 Tools Every Homeowner Should Own

by Nick Gromicko and Ben Gromicko

The following items are essential tools, but this list is by no means exhaustive. Feel free to ask an InterNACHI inspector during your next inspection about other tools that you might find useful.

1.  Plunger
A clogged sink or toilet is one of the most inconvenient household problems that you will face. With a plunger on hand, however, you can usually remedy these plumbing issues relatively quickly. It is best to have two plungers — one for the sink and one for the toilet.

2.  Combination Wrench Set
One end of a combination wrench set is open and the other end is a closed loop. Nuts and bolts are manufactured in standard and metric sizes, and because both varieties are widely used, you’ll need both sets of wrenches. For the most control and leverage, always pull the wrench toward you, instead of pushing on it. Also, avoid over-tightening.

3.  Slip-Joint Pliers
Use slip-joint pliers to grab hold of a nail, a nut, a bolt, and much more. These types of pliers are versatile because of the jaws, which feature both flat and curved areas for gripping many types of objects. There is also a built-in slip-joint, which allows the user to quickly adjust the jaw size to suit most tasks.

4.  Adjustable Wrench
Adjustable wrenches are somewhat awkward to use and can damage a bolt or nut if they are not handled properly. However, adjustable wrenches are ideal for situations where you need two wrenches of the same size. Screw the jaws all the way closed to avoid damaging the bolt or nut.

5.  Caulking Gun
Caulking is the process of sealing up cracks and gaps in various structures and certain types of piping. Caulking can provide noise mitigation and thermal insulation, and control water penetration. Caulk should be applied only to areas that are clean and dry.

6.  Flashlight
None of the tools in this list is of any use if you cannot visually inspect the situation. The problem, and solution, are apparent only with a good flashlight. A traditional two-battery flashlight is usually sufficient, as larger flashlights may be too unwieldy.

7.  Tape Measure
Measuring house projects requires a tape measure — not a ruler or a yardstick. Tape measures come in many lengths, although 25 feet is best.  Measure everything at least twice to ensure accuracy.

8.  Hacksaw
A hacksaw is useful for cutting metal objects, such as pipes, bolts and brackets. Hacksaws look thin and flimsy, but they’ll easily cut through even the hardest of metals. Blades are replaceable, so focus your purchase on a quality hacksaw frame.

9. Torpedo Level
Only a level can be used to determine if something, such as a shelf, appliance or picture, is correctly oriented. The torpedo-style level is unique because it not only shows when an object is perfectly horizontal or vertical, but it also has a gauge that shows when an object is at a 45-degree angle. The bubble in the viewfinder must be exactly in the middle — not merely close.

10.  Safety Glasses / Goggles
For all tasks involving a hammer or a power tool, you should always wear safety glasses or goggles. They should also be worn while you mix chemicals.

11.  Claw Hammer
A good hammer is one of the most important tools you can own.  Use it to drive and remove nails, to pry wood loose from the house, and in combination with other tools. They come in a variety of sizes, although a 16-ounce hammer is the best all-purpose choice.

12.  Screwdriver Set
It is best to have four screwdrivers: a small and large version of both a flathead and a Phillips-head screwdriver. Electrical screwdrivers are sometimes convenient, but they’re no substitute.  Manual screwdrivers can reach into more places and they are less likely to damage the screw.

13.  Wire Cutters
Wire cutters are pliers designed to cut wires and small nails. The side-cutting style (unlike the stronger end-cutting style) is handy, but not strong enough to cut small nails.

14.  Respirator / Safety Mask
While paints and other coatings are now manufactured to be less toxic (and lead-free) than in previous decades, most still contain dangerous chemicals, which is why you should wear a mask to avoid accidentally inhaling. A mask should also be worn when working in dusty and dirty environments. Disposable masks usually come in packs of 10 and should be thrown away after use. Full and half-face respirators can be used to prevent the inhalation of very fine particles that ordinary facemasks will not stop.

15.  Duct Tape
This tape is extremely strong and adaptable. Originally, it was widely used to make temporary repairs to many types of military equipment. Today, it’s one of the key items specified for home emergency kits because it is water-resistant and extremely sticky.

Originally posted 2015-10-06 07:00:24.

How to RUIN your appliances

Dump the old broken appliancesReaders Digest says in an article that Appliances eventually wear out. Certain parts simply fail with time. It’s inevitable. But abuse and neglect can speed up the breakdown rate of stoves, dishwashers, fridges, clothes dryers and washing machines, helping to keep repairmen busy.” Here are some of the most common ways that homeowners contribute to the demise of their appliances, along with advice for avoiding these errors that damage dishwashers washing machines, clothes dryers, lass and ceramic stove tops and fridges and freezers.

Originally posted 2015-03-13 07:00:04.

6 things home insurance won’t cover

Dilapidated passage in school of Pripyat. Chernobyl DisasterWhen we bought our house most of us just got a standard homeowners policy which covers perils like ice, wind, fire, lightning, etc. Most of us know that we need a separate flood insurance policy if we live in a flood zone and that nuclear accidents and terrorism are generally not covered. However, there are five other not uncommon situations that are typically excluded from standard policies: mold, sewage backups, sinkholes, pests (termites, rats, bed bugs, etc.) and earthquakes. Most companies will offer separate endorsements or riders for these perils so check with your agent to determine if that is a good idea for you. For more information Bankrate.com has a good article that might be useful.

Originally posted 2015-02-13 09:00:50.