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Hypothetical scenario that came up when talking to a client - Seller of a home had hail damage before an offer was accepted. After the hail, they accept an offer. Buyer's inspector sees no damage that needs to be repaired due to hail. Seller has their insurance adjuster come out, and they find like $10,000 worth of damage that their insurance is willing to cover. Is it legal/ethical/whatever for seller to keep the cash from the insurance agency? Under this same scenario - what if the buyer's inspector sees some or all of this $10,000 worth of damage? What is generally done with the deductible? Paid by seller, buyer or split?
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Apr 26, 2020 21:14
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81sidewinder posted:Hypothetical scenario that came up when talking to a client - This is something that you should disclose.
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Apr 26, 2020 22:30
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I just asked my lender for $1k off of a $4k closing costs refi (2.75%, 15y) based on a competing loan offer. Wish me luck! Even if I don't get it, it still pays for itself in 10 months...
Evil Robot fucked around with this message at 23:14 on Apr 26, 2020 |
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Apr 26, 2020 23:08
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Just got back from a weekend at my girlfriend's house that I'm helping her work on and oh boy. She has a propane stove in her kitchen and it's the only thing gas powered in her whole house. The propane is in a huge tank on the other side of the property so she has to pay to have it refilled. However, her stove wasn't staying lit and having pressure problems so I was taking a look at it and discovered a few things. First, the tank is reading empty and she just had it filled last year. It was expensive to do so and since the stove is all that uses it it should have lasted basically forever. Second, the pipe leaving the tank is only 1/2" galvanized steel and seems way undersized for the volume of propane that tank is for. Third, and most alarmingly, the supply pipe comes up from the ground and into the houses attic and then is fed through a loving hose across the entire house, down the kitchen wall and pops out of the wall behind the stove and is held out of the wall with metal strapping. I'm so glad she hasn't blown up. It looks like the tank is empty but we closed off all the valves on it anyway, and she's just going to buy an electric stove, which she already wanted. It was already wired with 220v before the PO ran their propane extension cord through.
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Apr 27, 2020 04:30
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Posting to find a prior post.
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Apr 27, 2020 08:44
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81sidewinder posted:Hypothetical scenario that came up when talking to a client - I mean, you're disclosing the damage to the buyer, right? If you take the money and they demand you fix it then your client is going to be SOL. But as long as you disclose it you probably won't be sued (by the buyer at least). Also the mortgage holder may not be too pleased that the roof is damaged and isn't being repaired. If their name is on the check, you're screwed. But maybe you should ask a lawyer before you try to cash out a $10k insurance payment and run? 81sidewinder posted:Under this same scenario - what if the buyer's inspector sees some or all of this $10,000 worth of damage? What is generally done with the deductible? Paid by seller, buyer or split? Depends on your negotiating position, I expect. If it's a strong seller's market you could probably get away with asking the buyer to cover the deductible. I mean, I'm pretty sure there's nothing requiring repair of the damage legally, however the sale may fall through if the buyer's insurance/mortgage company catches wind of the damage and refuses to insure/lend. If I were a buyer, I would nope the gently caress out of an instant $10k repair on something as important as the roof, unless I was positively desperate to buy. Even then, I wouldn't pay 1 penny of the deductible without a fight. Think of this: seller pulled a gotcha by suddenly disclosing a $10k roof repair AFTER going under contract. I'd be livid if I were the buyer, and more importantly if the buyer walks then the seller now needs to either 1) foot the bill and repair it or 2) disclose the damage to every future potential buyer. Unless your market is completely insane, a sale that falls through means that house is branded now and won't sell without significant concessions. DaveSauce fucked around with this message at 13:03 on Apr 27, 2020 |
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Apr 27, 2020 12:52
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SpartanIvy posted:Just got back from a weekend at my girlfriend's house that I'm helping her work on and oh boy. She has a propane stove in her kitchen and it's the only thing gas powered in her whole house. The propane is in a huge tank on the other side of the property so she has to pay to have it refilled. A half inch of propane is a monstrous amount for 1 appliance. You're right that it should be in flex hose for as little as possible though. It has likely all leaked out. How old is that tank? How old are the pipes? I assume the galvenized has rotted out and all her propane leaked out.
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Apr 27, 2020 15:32
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Running gas in flex hose is fine, if you use the correct hose. Stainless flex tubing, like Gastite has been used to run gas for entire buildings. The 1/2" line is maybe fine, pipe sizing for gas lines is determined on pressure and distance you're running, so it really depends on how far away that propane tank is. You're right to move to electric though. It's really pointless to keep buying propane for one appliance.
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Apr 27, 2020 16:14
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Bird in a Blender posted:Running gas in flex hose is fine, if you use the correct hose. Stainless flex tubing, like Gastite has been used to run gas for entire buildings. The 1/2" line is maybe fine, pipe sizing for gas lines is determined on pressure and distance you're running, so it really depends on how far away that propane tank is. It also depends on where the regulator or regulators are located.
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Apr 27, 2020 18:08
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81sidewinder posted:Hypothetical scenario that came up when talking to a client - Gat drat home inspections/ers are worthless. Ney, worse than worthless, they give false peace of mind. This thread title implies otherwise, and should be changed
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Apr 27, 2020 19:07
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Epitope posted:Gat drat home inspections/ers are worthless. Ney, worse than worthless, they give false peace of mind. This thread title implies otherwise, and should be changed Ours caught a bunch of wood rot we probably wouldn't have spotted, and a faulty GFCI that we would have (and got the seller to pay some electrician $120 to replace it lol). On the other hand, our inspector listed the gas logs as "non-operational." The reason being that the previous owner had turned the pilot off, and the inspector had no idea how to re-light it (despite the laminated instructions sitting right next to the controls that consisted of "twist knob push butan").
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Apr 27, 2020 19:32
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Holy poo poo, today was the day! That stump powder really works* *after a three-year wait  
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Apr 28, 2020 00:48
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Fallom posted:Holy poo poo, today was the day! That stump powder really works* Three years for that stump? You could've just taken a powerful drill with a fat spade bit, drilled as many holes as close together as you can as deep as possible, and whacked it a few times with a pickaxe to chip it apart to ground level.
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Apr 28, 2020 02:15
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B-Nasty posted:Three years for that stump? You could've just taken a powerful drill with a fat spade bit, drilled as many holes as close together as you can as deep as possible, and whacked it a few times with a pickaxe to chip it apart to ground level. Screw that. I'll wait three years for it to fall into pieces. I've spent enough time whacking at stumps of bushes and volunteers that the ignore option is preferred.
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Apr 28, 2020 02:44
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B-Nasty posted:Three years for that stump? You could've just taken a powerful drill with a fat spade bit, drilled as many holes as close together as you can as deep as possible, and whacked it a few times with a pickaxe to chip it apart to ground level. Don’t take this victory away from me and a large number of now-unemployed bugs
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Apr 28, 2020 02:47
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"Powerful drill with a fat spade bit" sounds like a recipe for a wrenched wrist, personally.
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Apr 28, 2020 02:54
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TooMuchAbstraction posted:"Powerful drill with a fat spade bit" sounds like a recipe for a wrenched wrist, personally. Sounds like a porn hub title with the same outcome too.
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Apr 28, 2020 04:06
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Does anyone have suggestions for weather stripping for modern aluminum casement windows? My weather stripping looks to be original. It's still flexible but is also the weakest link in the soundproofing of my triple pane glass stuff. I'll have to measure it but looks like 3mm thick stuffTooMuchAbstraction posted:"Powerful drill with a fat spade bit" sounds like a recipe for a wrenched wrist, personally. Once you get to the 1/2" bit size drills start sprouting additional handles and become a two-handed affair 
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Apr 28, 2020 04:07
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A 4 1/2'' grinder with a wood shaping disc can make quick work of small stumps like a tiny stump grinder, wrist safe, but like any grinder, not flesh safe.
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Apr 28, 2020 04:58
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Elem7 posted:A 4 1/2'' grinder with a wood shaping disc can make quick work of small stumps like a tiny stump grinder, wrist safe, but like any grinder, not flesh safe. If you remove the guard you can put a bigger disc on it and do bigger stumps. Even less flesh safe.
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Apr 28, 2020 06:34
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Why didn't you just take the branches off the tree, put a rope around the trunk and pull it out while chopping the biggest roots? Wouldn't have had to wait 3 years. Looks small enough to do it in my view.
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Apr 28, 2020 09:15
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StormDrain posted:Screw that. I'll wait three years for it to fall into pieces. I've spent enough time whacking at stumps of bushes and volunteers that the ignore option is preferred. I was impressed. I am a big fan of the apathetic mode of stump removal.
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Apr 28, 2020 15:09
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Had an appliance guy come out today. The problem is with the oven selector switch, but the model has been discontinued. So my options are either buy a used part on ebay or replace the oven. But the issue is that the oven has an unusual size: 27 wide, 23 height, 22 deep. Now, there is some room to cut above where the current oven is, but I am not sure about the depth part. So now I'd have to figure out who could cut and who could install a new oven in the middle of this mess.
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Apr 28, 2020 20:02
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Yuk sorry dude. Can't you just delete the cabinet it's in?
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Apr 29, 2020 01:52
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joepinetree posted:The problem is with the oven selector switch I am not an oven repair man, but 120v rotary switches are a dime a dozen (ok maybe they're $1.29 each these days), might be worth contacting your local TV repair shop and see what they can do. The knob might not fit the new rotary switch 100% but you could probably cobble together an adapter with some epoxy putty or whatever Ripping out a cabinet because the oven repair guy doesn't know how to work a soldering iron seems excessive, but like I said, not an appliance repair guy
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Apr 29, 2020 02:22
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Hadlock posted:I am not an oven repair man, but 120v rotary switches are a dime a dozen (ok maybe they're $1.29 each these days), might be worth contacting your local TV repair shop and see what they can do. The knob might not fit the new rotary switch 100% but you could probably cobble together an adapter with some epoxy putty or whatever It's this part: https://www.ebay.com/p/1422350444 Cheapest i've found is little under 200. Add in labor, and we're talking about 350 bucks to salvage a 15 year old oven. I pulled the oven out a little bit and theres about 6 inches of dead space above it in the cabinet till you get to the microwave. So the issue is just finding someone to cut into the front side in a way that doesn't make the whole thing hideous. 
joepinetree fucked around with this message at 04:13 on Apr 29, 2020 |
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Apr 29, 2020 04:07
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Sorry for the double post, but I figured this thread would get a kick out of this. As I mentioned previously, I had to replace the dishwasher because the previous one was leaking. So we got one of the fancy new bosch with leak prevention. Had the handyman install it today, and right away we get an error message that leak prevention system had kicked in. So I start to get worried. The handyman goes to inspect what was wrong, and right away he notices that the trash disposal system is new. So he figures out the problem: turns out that whoever installed the trash disposal system never opened the passage from the dishwasher drain hose to the disposal system. So it wasn't a dishwasher problem at all, just a seller cheapening out in installing the trash disposal system with someone who didn't care about these things. Luckily, I went with the handyman installation instead of the big box store one, because I am pretty sure they wouldn't have tried and fixed that. joepinetree fucked around with this message at 22:04 on Apr 29, 2020 |
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Apr 29, 2020 21:55
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I feel like there needs to be a :PO: smiley this poo poo is infuriating and happens a lot, there's so much in my house that just gets to 90% and then welp.. that last 10% sure sucks to have to redo all 100% to get it right.
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Apr 30, 2020 01:07
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The positive side is that the handyman I ended up hiring more than prove his worth. He lives some 35 minute away, but after today I am glad I went with him. The best one around me on yelp is the one who said it would take 6-8 hours (took 2 and a half with this new one, he did not cut the trim, but removed it and replaced it). The one the HOA recommended is the one who installed the trash disposal without making the hole for the dishwasher drain. I trusted a friend and went with this other one and he could have just said "oh, it's an appliance issue, good luck with the manufacturer." He could have been clueless. But he went to check the connection, looked at the new trash disposal, and figured it all out. I feel like in the end having a handyman that I trust will save me more than the expense of replacing the dishwasher slightly earlier than anticipated.
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Apr 30, 2020 01:25
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joepinetree posted:The positive side is that the handyman I ended up hiring more than prove his worth. He lives some 35 minute away, but after today I am glad I went with him. I bet your new handyman friend can figure out how to cut a piece of wood to fit the trim of a new oven. Make sure you leave this guy beer or whatever whenever he finishes a job for you, or like, a tip.
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Apr 30, 2020 02:04
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H110Hawk posted:I bet your new handyman friend can figure out how to cut a piece of wood to fit the trim of a new oven. Make sure you leave this guy beer or whatever whenever he finishes a job for you, or like, a tip. Yep, already got an estimate for that. He costs a little bit more than the HOA recommended one, but is clearly worth it. Dishwasher we got rid of was 15 so I am not too torn up with replacing a functional appliance, but god drat... Let me just say I am also glad that I got the seller to kick in 5k in closing costs.
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Apr 30, 2020 03:10
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I'm getting flashbacks to the time I bought a new microwave and ended up remodeling the entire kitchen.
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Apr 30, 2020 04:16
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I have a crew coming over for roof repairs tomorrow. Please God I hope this goes okay
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Apr 30, 2020 04:19
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StormDrain posted:I'm getting flashbacks to the time I bought a new microwave and ended up remodeling the entire kitchen. Oh, believe me, any other time that would have been the end result. He pointed out several areas where the previous owner hosed up.
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Apr 30, 2020 04:38
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StormDrain posted:I'm getting flashbacks to the time I bought a new microwave and ended up remodeling the entire kitchen. This but a different colored can opener.
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Apr 30, 2020 08:21
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I don't know if there is a more appropriate thread for a question like this, but about a year ago now I got a bit 18' red maple planted after I had to take down an old Norway maple that had died. They came in with a fairly sizable soil knife (90"). Today, I cut in a mulch bed around it with a dry edge, roughly about the same area where the soil knife had come it. I think its' roughly 6' diameter? I used a dry edge, with a half-moon style edger to deliniate the edge. I ran into a "few" roots, probably the largest was around the diameter of my thumb. Of course, to maintain the edge depth, I cut them...and now tonight around dinner time, I realized that I probably cut off all shallow roots in the first 6" of soil, and that red maples have a pretty shallow root system. However, given that the tree made it OK last year being completely cut and replanted, I'm thinking that the worst I could have done is moderately set back root growth from what was made last year? Or did I gently caress myself? I'm somewhat concerned because when the tree was planted, everything was dormant (it was very early March), and now we're in early May in PA and everything is leafed out.
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May 4, 2020 03:21
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Well you can't really undo what you've done. They say you should replant when the trees are dormant and trim branches when they're in full swing around august-september. Maybe it'll be fine.
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May 4, 2020 16:25
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So, I remember hearing in this thread that if your roof gets damaged in a storm, insurance can potentially help defray the cost of a new roof. Is that correct?
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May 4, 2020 18:47
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Residency Evil posted:So, I remember hearing in this thread that if your roof gets damaged in a storm, insurance can potentially help defray the cost of a new roof. Is that correct? Correct, we had a roofing company out and check out our roof(my neighbor is also getting a new roof and had his roofing company come talk to me), they found damage and called my insurance company to open a claim. Insurance company came out and said yep, there's damage and now we're just waiting for their estimate to replace the roof. I have 2 deductibles on my policy, hurricane and everything not a hurricane. Because this damage occurred during not a hurricane I'll be $2500 out of pocket on a 15k roof. If this damage had occurred during a hurricane I'd be almost 6k out of pocket.
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May 4, 2020 18:53
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mattfl posted:Correct, we had a roofing company out and check out our roof(my neighbor is also getting a new roof and had his roofing company come talk to me), they found damage and called my insurance company to open a claim. Insurance company came out and said yep, there's damage and now we're just waiting for their estimate to replace the roof. How did they determine the cause of the damage?
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May 4, 2020 20:09
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