|
Have you considered drilling a hole in the floor? https://www.tiktok.com/t/ZTRbrvECo/
|
# ? Dec 31, 2022 06:23 |
|
|
# ? May 30, 2024 13:00 |
|
H110Hawk posted:Do make sure you check with your agent/broker - sometimes going from $1000 to $5000 or 1% results in small reductions in premium that you will never make up. For example - me going from a $1000 to 1% deductible on my fire insurance (so, roughly tripling it?) resulted in a <$100 annual premium reduction and I can never go back to $1000 with state farm. They don't write them anymore in California. I just went through this a few years back when I changed homeowners insurance. There was no meaningful difference in premium between $2k and $10k deductibles. My agent even said "look at it this way, you'd have to not have a loss in <something like 20+> years to make up the difference". And I think that's the right way to look at it. Just didn't make any sense.
|
# ? Dec 31, 2022 17:01 |
|
I live in fire country, and the difference between a $5000 and a $20000 deductible was amazing. Like, from thousands to hundreds. We have the $20K in savings, and insurance rates here are high for obvious reasons.
|
# ? Dec 31, 2022 18:09 |
|
PainterofCrap posted:The insurance comes in four parts: This is awesome-thank you! My in-laws recommended shopping around for homeowners insurance every 2 years to make sure you’re getting the best rate. That sounds pretty intense to me. I plan on calling GEICO to ask some of these questions but I’m not sure if it’s necessary to shop around every 2 years… I definitely want to know if increasing my deductible is worth it or not as well as ensuring I have proper riders for my guns/jewelry and make sure it’s listed as RCV.
|
# ? Dec 31, 2022 18:55 |
|
nwin posted:This is awesome-thank you! My homeowners went from $1200 on purchase to $1850 my second renewal. Got it re-quoted by 3 companies and got better coverage (old policy was wind and hail 2%, new one just $1500 deductible) for a hair under $1,400. Worth the 2 hours of work to save over $400
|
# ? Dec 31, 2022 19:39 |
|
I’m a big fan of using a local independent insurance agent these days. Once a year I call/email my agent and have them re-quote my auto and homeowners. I can’t stand getting quotes on my own anymore and dealing with all that. They can usually quote out a couple dozen companies and get you the best deal with the least hassle.
|
# ? Dec 31, 2022 20:12 |
|
USAA wouldn't insure the house we bought a couple years ago until we'd occupied it for 90 days, because it was unoccupied when we bought it. So we used a local independent agent with good reviews, switched everything over, and as a bonus got a much better rate (but not so low it was a red flag). I think it was State Farm, I don't recall. Turns out, your insurance company doesn't communicate directly with you when you do that (or maybe it was just this company). So when your agent sends your proof of insurance to the wrong state and gets your car registrations and license suspended, and that same agent doesn't pass notices to you promptly, you don't find out about it until the notice of suspension from the state hits your physical mailbox. And if the state says it has to be your insurance company to send proof of insurance to reinstate you, but the company doesn't do anything and the agent is working from home during a pandemic and doesn't have a fax machine, it takes weeks to mail in the proof. I have no way of assessing whether an individual agent is a complete fuckup, so I'm going to keep paying more for probably worse coverage and worse claims process so I can deal with them directly.
|
# ? Dec 31, 2022 20:23 |
|
BonerGhost posted:Turns out, your insurance company doesn't communicate directly with you when you do that (or maybe it was just this company). I'm sure it was that company/that state. I have an indy agent. I've been with 4 different companies through them over the years and all of them have communicated directly to me about all the important things. It appears they also communicate some or all of that to him, as he's give me a call/dropped an email about stuff I'd just been notified about a few times now. I never considered that the agent could be an information funnel. That's probably a very good, direct, and simple question to ask of any agent or agent/company pairing.
|
# ? Dec 31, 2022 20:31 |
|
I've got a situation that I'm unsure about severity or how to address it in the short term if there's an urgent need to do so here. We've had a snowy winter so far, and then had a big, warm storm roll in yesterday. When I woke up this morning it had unexpectedly shifted to snow, but in the meantime some water has started to pool around the house. Usually this area drains fine, and I know there's a french drain along at least part of the foundation, but for whatever reason (frozen or saturated ground? Just more water coming in than it can drain?) today it's just not doing it. Water's not going to get any higher, it's spilling over the edge of the patio onto another pool on another side of the house, which is now at the same level as a seasonal creek filling a drainage in the backyard (higher than we've seen it before), so that's not going anywhere. But it's up against the foundation and I'm sort of concerned that it's going to freeze there before draining (and is on the north/east side of the house and won't get much sun to melt it later). We have a sump pump under the house and it seems to be doing its job so far, crawlspace looks dry everywhere except the sump pit. I know generally having water up against the foundation is bad, but is that a bigger concern for repeat long term issues? Or is having it there for really any length of time a problem? These are the two sides of the house aligned with the patio (north and east facing) The second photo it's pouring over the edge around the corner to another north facing wall, you can see where the seasonal creek is here And then on the other side of the patio, there's standing water against the foundation under the deck, and out into the yard We've gotten about 4" of snow since 8am this morning and won't be surprised to see an additional foot or more by the end of the day/tomorrow morning, so that might complicate anything I might do about this. Anyone have advice?
|
# ? Dec 31, 2022 20:48 |
|
Motronic posted:I'm sure it was that company/that state. I have an indy agent. I've been with 4 different companies through them over the years and all of them have communicated directly to me about all the important things. It appears they also communicate some or all of that to him, as he's give me a call/dropped an email about stuff I'd just been notified about a few times now. At this point we move around too much for it to make a lot of sense to switch all the time, and I've yet to find a company other than USAA who will insure our personal property when we're posted overseas, but normies should absolutely address that question when shopping.
|
# ? Dec 31, 2022 20:51 |
|
Steve French posted:Anyone have advice? I wouldn't be super happy to let that much water lay against my foundation. It probably will be fine but I'd be out there with a shovel finding the low spot and digging a channel through the snow to drain it off. BonerGhost posted:At this point we move around too much for it to make a lot of sense to switch all the time, and I've yet to find a company other than USAA who will insure our personal property when we're posted overseas, but normies should absolutely address that question when shopping. Yeah, you definitely need a company that is essentially made to cater to the realities of your moving around. I forgot about that.
|
# ? Dec 31, 2022 21:44 |
|
Motronic posted:I wouldn't be super happy to let that much water lay against my foundation. It probably will be fine but I'd be out there with a shovel finding the low spot and digging a channel through the snow to drain it off. Thanks. That was my first attempt: in the third photo where the water is a bit lower you can see where I’d shoveled a channel to the drainage only to discover the water level was no lower over there and it changed nothing about the flow, and with all the snow, slush pretty quickly showed up from both ends and started to close the channel anyway. In the second photo, the low point at the corner of the house unfortunately is a timber laid in the ground as the patio border. Water is pouring over it. Clearly a longer term problem with drainage here I should do something about, but not a short term fix there aside from maybe just saying gently caress it and cutting through that piece. Maybe I will. I could possibly go the much longer way around the patio, but a fuckload of shoveling and as mentioned with all the snow (and still coming down), with temps dropping, it doesn’t seem like a very shallow sloped channel would stay clear for long enough. I’ll give it some thought
|
# ? Dec 31, 2022 22:18 |
|
Steve French posted:Thanks. That was my first attempt Ahhh, okay, didn't quite pick up on that. So here's the deal: it doesn't matter at all then. The water laying on top is the "tip of the ice burg" issue. What you need to worry about is the hydraulic pressure against your foundation which is just gonna be there with everything at this level of saturation and the very little slope you seem to have. And it sounds like your place was designed for this with proper drainage that is all working fine so yeah. Maintain your sump pumps. Watch for any changes. But it sounds like you're doing everything reasonable and necessary here.
|
# ? Dec 31, 2022 22:26 |
|
I was helping my relatives hang some shelves in their apartment and I'm wondering what exactly their wall is made of. It isn't drywall, and it isn't plaster on lath. When drilled, the outer quarter inch or so looks like plaster, and then it gets into some grainy cement-like stuff...but it's much softer than any cement or brick I've encountered. Their little IKEA drill cut through it in seconds with an unspecialized bit. You can almost carve it out with a knife. It appears to be like that everywhere in the wall, I can't find any metal hardware with magnets, and I went an inch and a half deep without punching through into anything else. It's an apartment building probably built in the 60s or so. The shelves are hung fine with suitable expansion plugs. But what is this material?
|
# ? Dec 31, 2022 23:06 |
|
Is it plaster on gyprock lathe? https://inspectapedia.com/interiors/Rock-Lath.php edit: I suppose if it was you'd be finding nails everywhere. Vim Fuego fucked around with this message at 23:35 on Dec 31, 2022 |
# ? Dec 31, 2022 23:14 |
|
Just celebrating the moment where you decide to work less now despite the fact that it means you're going to work a lot more later. Also that top hole was sized just right that I could get my hand in one way but not the other. And I could barely get my arm turned around in it. Edit, this was refeeding the outlet in my half bath with 12ga wire so I can install the correct 20a breaker to all of my bathrooms.
|
# ? Jan 1, 2023 02:01 |
|
Motronic posted:Ahhh, okay, didn't quite pick up on that. So here's the deal: it doesn't matter at all then. The water laying on top is the "tip of the ice burg" issue. What you need to worry about is the hydraulic pressure against your foundation which is just gonna be there with everything at this level of saturation and the very little slope you seem to have. Thanks a bunch. Sounds good. Now I’m pretty happy the rain changed to snow, against the forecast. Got 18” from 8am to 4pm and measured 9” over 90 minutes this afternoon… happy to have that not adding to the flooding
|
# ? Jan 1, 2023 07:30 |
|
StormDrain posted:Just celebrating the moment where you decide to work less now despite the fact that it means you're going to work a lot more later. Why is your ceiling the same color as the wall? You monster.
|
# ? Jan 1, 2023 13:37 |
|
Mine is too, it's great
|
# ? Jan 2, 2023 04:09 |
|
I have water seeping into my basement for some reason and I'm getting tired of waking up at 4am to vacuum up the pool. Any useful water barriers I can use to gate off the problem area? I tried making some sandbags with socks and sand but it's not really cutting it, the water just goes under. Edit: unfortunately due to recent weather there's a big backlog before I can get anyone to look at it and solve the problem Edit: Or is there a way to passively suction or wick the water off the floor into a bucket or something? PerniciousKnid fucked around with this message at 06:09 on Jan 2, 2023 |
# ? Jan 2, 2023 04:48 |
|
NomNomNom posted:Why is your ceiling the same color as the wall? You monster. Oh I know. Nearly every room in my house has a flat white ceiling except the bathrooms and my wife's meditation room. She insisted that I paint it all the same color, including the doors and trim. Easiest paint and masking job ever. I like the bathrooms this way though. There's enough contrast with tile and all the bathroom stuff anyway.
|
# ? Jan 2, 2023 06:12 |
|
I've painted our 2 bathrooms walls-and-ceiling too.
|
# ? Jan 2, 2023 07:12 |
|
StormDrain posted:She insisted that I paint it all the same color, including the doors and trim. What the gently caress
|
# ? Jan 2, 2023 13:17 |
|
Johnny Truant posted:What the gently caress I mean since it's a meditation room... I can see that. No other room though!
|
# ? Jan 2, 2023 14:41 |
|
It really makes you aware that you’re just a big rat living in your tiny boxes. Not sure that’s the vibe I’d want for my meditation space.
|
# ? Jan 2, 2023 14:44 |
|
The Dave posted:It really makes you aware that you’re just a big rat living in your tiny boxes. Not sure that’s the vibe I’d want for my meditation space. Some exercise will help with that, get in your wheel. There's a water bottle over there.
|
# ? Jan 2, 2023 14:46 |
|
Prefinished vs finish on site hardwood--what are the benefits and drawbacks of each, assuming I'm paying for installation either way?
|
# ? Jan 2, 2023 15:05 |
|
I may as well share a pic. The color was bold. When you think of paint chips with the gradient of colors I usually pick from the light three and she pics from the dark three. Often we compromise and head to the middle, but this was her space so I only made gentle suggestions. I built the couch from scratch. We ordered the lights from Etsy which if you do that just plan on americanizing the hardware.
|
# ? Jan 2, 2023 16:02 |
|
brugroffil posted:Prefinished vs finish on site hardwood--what are the benefits and drawbacks of each, assuming I'm paying for installation either way?
|
# ? Jan 2, 2023 19:13 |
|
Hmmmm that light post in the front yard shouldn't be on in the middle of a sunny day. Stupid photocell crapping out or...? Or yep, that'd do it too. Repair complete, time for a cold beer!
|
# ? Jan 2, 2023 20:37 |
|
That is beautiful, and if you wake up and find a total stranger reading a book on that couch, it'll be me. Don't shoot. A good reason for walls and ceiling to be the same color, although not that color: That's what all the rooms on the second floor of my house look like. When we finish unpacking some day, we'll repaint; right now I'm thinking a nice blue-gray, on the bluer side.
|
# ? Jan 2, 2023 21:07 |
|
PerniciousKnid posted:I have water seeping into my basement for some reason and I'm getting tired of waking up at 4am to vacuum up the pool. Any useful water barriers I can use to gate off the problem area? I tried making some sandbags with socks and sand but it's not really cutting it, the water just goes under. Is the water coming from the walls around the edge of your house or straight up out of the floor? My first house had a thankfully unfinished basement, was 120 years old, and during spring or big snow melts we'd literally have water come up from the concrete floor. Getting gutters after our first year of ownership helped tremendously there and limited the water to one corner of the house that needed to be regraded.
|
# ? Jan 2, 2023 22:07 |
|
So, new years celebrations got a little wild in my neighborhood and a bullet came into my house from above. I got away with a mild bruise, but my poor house... It won't be my first time patching ceiling drywall, but do I need to jam a wooden dowel into the hole or anything before I patch the roof, or can I just patch it? There isn't any attic access to this section, it is roof/insulation/ceiling all sandwiched together.
|
# ? Jan 2, 2023 22:13 |
|
Jesus Christ
|
# ? Jan 2, 2023 22:14 |
|
What a loving nightmare. Glad you're ok!! You can probably get some flashing sealant and just slather some into that hole from the roof side, though ultimately I'd probably replace the whole shingle. You don't need to jam anything in the hole in the roof decking, just caulk it when you can.
|
# ? Jan 2, 2023 22:21 |
|
Friend posted:So, new years celebrations got a little wild in my neighborhood and a bullet came into my house from above. I got away with a mild bruise, but my poor house... You're fine to just replace the shingle and leave the small hole in the decking. A hole that small won't cause any issues.
|
# ? Jan 2, 2023 22:22 |
|
America the beautiful
|
# ? Jan 2, 2023 22:23 |
|
what the actual gently caress
|
# ? Jan 2, 2023 22:25 |
|
this is the price we pay to be free of the queen’s rule
|
# ? Jan 2, 2023 22:36 |
|
|
# ? May 30, 2024 13:00 |
|
Friend posted:So, new years celebrations got a little wild in my neighborhood and a bullet came into my house from above. I got away with a mild bruise, but my poor house...
|
# ? Jan 2, 2023 22:50 |