Category Archives: Real Estate

Hurricane Proof Home – Modular Building

What are modular Homes?

 Modular buildings and modular homes are sectional prefabricated buildings or houses that consist of multiple modules or sections which are manufactured in a remote facility and then delivered to their intended site of use. The modules are assembled into a single residential building using either a crane or trucks.

Modular buildings are considerably different from mobile homes/trailers. Off-frame modular dwellings differ from mobile homes largely in their absence of axles or a frame, meaning that they are typically transported to their site by means of flat-bed trucks; however, some modular dwellings are built on a steel frame (on-frame modular) that can be used for transportation to the site. Many modular homes have multiple levels. Homes are often set in place using a crane.

How would an appraiser handle the “modular home?”  (contact the appraisers at www.socalappraisalserv.com with more specific questions).  The manufactured homes of olden times usually was commonly known as a mobile home.  Now the modular home competes with traditional stick built homes.  With the passages of Title 25 in California these homes are now inspected in the same fashion, with the same right of exclusion to local Building Department inspections, that Manufactured Housing enjoyed for the last 25 years in California.  Each home does have to be site specific, as to meeting or exceeding the seismic structural package and Title 24 energy requirements.

Watch: http://science.discovery.com/videos/build-it-bigger-hurricanes/ to see more on hurricane-proof homes and how they are built.

Most factory-built homes are comprised of three-dimensional modules. These modules are transported to a home site and installed on a state approved foundation or support system. California law clearly distinguishes among the types of factory-produced homes by the building code to which the home must comply.

  • Manufactured homes (also known as HUD code units)are constructed to comply with the National Manufactured Home Construction and Safety Standards (24 CFR 3280), a uniform federal building code administered and enforced by the U.S. Department of Housing Urban Development. Most factory homes constructed in California each year meet this code.
  • Modular homes (also known as FBH units), are constructed to comply with the California Uniform Building Code (CBC Code), which is incorporated into law at Title 25, Chapter 3 of the California Administrative Code.  This is the same Building Code that all Site Built Construction conforms to.
  • Mobile homes were constructed to comply with standards enforced by the State of California prior to June 15, 1976, when the federal preemptive HUD Code became effective. Even though there is a significant number of mobile homes in the existing housing stock.

For more information go to: http://www.californiamodularbuilders.com/faq?page=3

Disclaimer: For information and entertainment purposes only.

6 Ways to Save On Homeowners Insurance

From the Insurance Information Institute.

  • Install smoke detectors, a burglar alarm or deadbolt.  Savings: 5%
  • Become a long-term policy holder.  Savings:5-10%
  • Buy home and auto policy from the same insurer.  Savings: 5 – 15%
  • Add fire and burglar alarms that connect to the police, and a sophisticated sprinkler system.  Savings: 15 – 20%
  • Be 55 Years or older.  Savings: Up to 10%
  • Stay with the same insurer (six years or longer).  Savings: 10%

Note:  Discounts vary according to the insurer.  Contact your provider for individual discounts and rates.

Disclaimer:  For information and entertainment purposes only.

8 Ways To Prepare For Fall

Deferred Maintenance (from the “Dictionary of Real Estate Terms”): a physical depreciation owing to lack of normal upkeep.  Example: The appraiser found the following examples of deferred maintenance on the  subject property: broken window glass, missing roof shingles, peeling paint and broken guttering.

Just like your car your home needs seasonal tune-ups.  Here are a few maintenance musts. 

1.  Replace missing or damaged weather-stripping around doors and windows.  Along with caulking and other air-sealing measures, such as adequate insulation, this can cut your home heating bill by up to 15%.

2. Get a HVAC check-up before you turn on the heat.  For about $100 a certified technician will replace filters, make sure all the parts are working and give the system’s vents and combustion chamber a good cleaning.

3. Have the gutters and downspouts cleaned and inspected to make sure water doesn’t pool near the foundation from misdirected runoff.  Foundation repairs can run into the thousands so prevention goes a long way.

4. Get your fireplace inspected by an expert who’s certified by the Chimney Safety Institute of America. 

5. Bleed the radiators and boiler if needed.  Call in a professional to evaluate whether the entire system needs flushing, boiler included.

6. Flush out the lawn’s sprinkler system.  That prevents leftover water from freezing in the middle of winter and bursting a pipe.

7. Seal concrete walkways and cracks.  A contractor should fill any small fissures (under 1/2 inch) with an acrylic-based compound; larger ones need a vinyl-based patch so that water doesn’t seep in and freeze during the winter. 

8. Drain the gas and oil from a gas-powered lawnmower (or get yourself an early christmas present and get an electric powered mower – keep your eyes out for the for the swaps, you get a free electric mower if you bring in your gas mower) before putting it away.

Can deferred maintenance affect the value of your home?  Yes. 

Contact the appraisers at www.socalappraisalserv.com for your value questions.

Disclaimer: For Information and Entertainment Purposes Only.