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Isn’t it fun when a project goes from “hey buddy come help me knock this out real quick” to “how about you go find Mom and play with her? Daddy is about to use some words you don’t need to know yet because water is not supposed to be here.”
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Mar 23, 2024 21:32
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TooMuchAbstraction posted:What's making homeowner's insurance so hard to get now? Is this a CA-specific wildfire thing? The world is dying
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Mar 23, 2024 21:39
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George H.W. oval office posted:The world is dying Trying to hedge against this
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Mar 23, 2024 21:43
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TooMuchAbstraction posted:What's making homeowner's insurance so hard to get now? Is this a CA-specific wildfire thing? CA state law limits how much insurance rates can go up per year With 10%+ inflation since covid a lot of home owners are effectively paying below market rate for home insurance Labor rates in America, and in California in particular, are rising way faster than state law would allow them to raise insurance rates, so they're doing a passive aggressive brinksmanship thing to force legislator's hand. Legislators are hesitant to look like they're giving insurance companies so they're not increasing the annual cap. As a result a lot of people who are insurance companies least profitable customers are getting dropped to maintain correct profit margins Between Florida and California it sure looks like private insurance companies aren't going to be around in those states much longer, imo
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Mar 23, 2024 22:27
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I see, thanks for the explanation. On the one hand, I can definitely understand wanting to control the amount of profit that insurance companies can skim off of the economy...on the other hand, there's no sense telling them that they have to insure at a loss.
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Mar 23, 2024 22:33
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TooMuchAbstraction posted:no sense telling them that they have to insure at a loss. Ok yeah that was never gonna be the case.
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Mar 23, 2024 23:17
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TooMuchAbstraction posted:I see, thanks for the explanation. On the one hand, I can definitely understand wanting to control the amount of profit that insurance companies can skim off of the economy...on the other hand, there's no sense telling them that they have to insure at a loss. That second one hasn't happened, fwiw
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Mar 23, 2024 23:35
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Hadlock posted:CA state law limits how much insurance rates can go up per year It's not only a rate increase cap. In CA insurers are generally forbidden to use forward looking models to price wildfire coverage, so in the event that, say, wildfires are becoming more common due to the climate changing, they aren't able to take that into account. Because so many insurers have left, there is ongoing discussion to allow insurers in CA to use catastrophe modeling the same way everyone else does.
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Mar 24, 2024 00:28
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When the models are wrong, either the insurance company pockets extra profit or gets bailed out. Maybe the real answer is to have a public insurance option
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Mar 24, 2024 01:12
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As an insurance adjuster who has worked for various iterations of the state of New Jersey's efforts to run an assigned-risk pool: The only way that could ever work is if some competent managing authority with many decades of experience operating a property and casualty insurer AHHAHAAAHA I'm fine. Timmy, have you ever seen movies about how industries are run? like Office Space, Head Office, and Idiocracy? PainterofCrap fucked around with this message at 01:34 on Mar 24, 2024 |
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Mar 24, 2024 01:32
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Motronic posted:Sounds like it's one of the many noises made by the thing I've had to replace multiple times on my LG dryer: "Drum Support Bearings". I bought some off of amazon that didn't make it even a year, then did the job again with actual LG replacement parts at twice the price and it's been good for a couple years now. Bingo!  This one was completely seized, and a second was pretty difficult to turn and developing a flat spot. Replaced the idler arm and belt while I was at it, and vacuumed about 10 pounds of lint and dust out of the chassis. Whisper quiet now. Thanks!
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Mar 24, 2024 01:45
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ROJO posted:Bingo! A success story!
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Mar 24, 2024 01:59
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We put blinds on the door today. The builder thought it would be a good idea to have an eight foot tall door with large glass panes so everyone can see inside as they walk by. Also found out they reversed the inlet water hoses on the washer. There's no indication on which water line is which, seems like a dumb idea
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Mar 24, 2024 02:00
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ROJO posted:Bingo! Yay! I love happy endings
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Mar 24, 2024 02:43
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Hotel Kpro posted:We put blinds on the door today. The builder thought it would be a good idea to have an eight foot tall door with large glass panes so everyone can see inside as they walk by. I dont see the problem, that sounds nice.
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Mar 24, 2024 04:15
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esquilax posted:It's not only a rate increase cap. In CA insurers are generally forbidden to use forward looking models to price wildfire coverage, l I've been shouted down about this, and I'm happy (?) to be wrong, but California inadvertently did a pretty good job of burning up the largest contiguous chunks of state/national Forest. I think we still have 1-2 more Really Bad years but if you look at the 30 year "raging, out of control forest fire" maps, we're very nearly out of 150+ acre contiguous areas that haven't had a forest fire  I'm cautiously optimistic that we've burnt up 45% of the last 75+ years worth of pine needles, and modern forest husbandry is allowing bigger and larger controlled burns going forward, so, Also I'm drunk on 2 years of above average rainfall immediately following a media blitz about the "mega drought" so I'm probably doubly wrong TL;DR skip this post
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Mar 24, 2024 07:35
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It’d be great if the time needed to properly prep for satisfying tasks like caulking or rolling paint was the same as the time needed to actually perform the tasks. Spent ages scraping stubborn old caulk bits in an area that’ll take seconds to cover with a new bead. With our shower out of commission, we discovered our guest bathroom shower head needs a refresh. Are there any particular brands/models to go for or is it just a lowesdepot thing?
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Mar 24, 2024 07:50
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Democratic Pirate posted:It’d be great if the time needed to properly prep for satisfying tasks like caulking or rolling paint was the same as the time needed to actually perform the tasks. Spent ages scraping stubborn old caulk bits in an area that’ll take seconds to cover with a new bead. This thing is the best shower head I've ever used and it just doesn't wear out. There is basically nothing TO wear out it's just a big chunk of metal. They make a "half dome" version that is a bit less industrial looking but same design. Stupid overpriced for what it is but you will literally never buy a showerhead again
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Mar 24, 2024 13:28
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How's the best way to get caulk out from the bottom edge of siding? Gary spotted water at the bottom of a sill plate in the carport storage and proceeded to seal the bottom edge of the siding with an obscene amount of caulk. When that failed to stop the problem he found the actual source of the majority of the water up at the top and half-assed a seal on it, BUT with the first caulking job he had completely sealed off the way out for water which gets behind the siding or goes along the edge flashing. Thankfully the space isn't finished on the inside so it has been able to dry out from behind when it gets wet. The sill plate is CCA pressure treated and still looks fine but the lower 4-5" of the chipboard outer sheathing is hosed. I'm hoping that clearing out the caulk will give the water a place to go and slow down the damage.
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Mar 24, 2024 15:38
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What kind of siding? Vinyl? Aluminum? Steel? Wood?
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Mar 24, 2024 16:00
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Hotel Kpro posted:We put blinds on the door today. The builder thought it would be a good idea to have an eight foot tall door with large glass panes so everyone can see inside as they walk by. My washer supply lines were color coded, but the opposite (left red was actually cold). We didn’t discover it until I pulled the units to access something after a load and said “why is this cold line ripping hot”. Then “oh that would explain why every load looks like I turned on the steam cycle after I open it up”. Classic.
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Mar 24, 2024 16:15
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mine came that way, presumably the PO had just been using it that way double lol that the guy swore up and down that the washer dryer didn't convey with the house, and there they were when i got there turns out they're hard to move, huh pal? Anyway that was 4 years ago and i'm gonna get nice front loaders when one dies
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Mar 24, 2024 17:05
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PainterofCrap posted:What kind of siding? Vinyl? Aluminum? Steel? Wood? Vinyl, so I can't get aggressive with solvents.
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Mar 24, 2024 17:35
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I'm in So Cal living in a high fire risk area in Chino Hills. No insurance company will cover us without using CA Fair Plan for fire except State Farm. We've owned this house two years and insurance has gone from 3200 to 3300 to 4000 per year with State Farm. I doubt they would give us a new policy so we're kinda grandfathered in. Were staying with state farm at 4k per year because they aren't requiring us to go with CA Fair Plan as well. Any insurance company who wants us to use CA Fair Plan wants 6k+ per year. State Farm just raised our rates 20% this year instead of canceling us. I expect to be not renewed with State Farm for 2025.
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Mar 24, 2024 17:52
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oh rly posted:I'm in So Cal living in a high fire risk area in Chino Hills. No insurance company will cover us without using CA Fair Plan for fire except State Farm. I am with State Farm and my dad is with State Farm (has been for 30+ years) and we both expect to not be renewed soon. He’s up in Paso Robles in a high fire area as well.
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Mar 24, 2024 17:57
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Had the house power washed yesterday, looks great. Now the garage/outdoor outlet circuit keeps tripping the GFCI. Annoying, not sure if related. Seems to still be doing it after unplugging everything from all the outlets on the circuit. Glad I at least noticed before the garage fridge totally warmed up.
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Mar 24, 2024 18:43
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Tyro posted:Had the house power washed yesterday, looks great. Now the garage/outdoor outlet circuit keeps tripping the GFCI. Annoying, not sure if related. Seems to still be doing it after unplugging everything from all the outlets on the circuit. Glad I at least noticed before the garage fridge totally warmed up. Sounds like water got in somewhere and is causing a short.
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Mar 24, 2024 18:46
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Beef Of Ages posted:Sounds like water got in somewhere and is causing a short. Yeah that was my guess too.
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Mar 24, 2024 19:27
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ROJO posted:This one was completely seized, and a second was pretty difficult to turn and developing a flat spot. Replaced the idler arm and belt while I was at it, and vacuumed about 10 pounds of lint and dust out of the chassis. Whisper quiet now. Thanks! Nice, glad you got it in one. That looks like a couple of the ones I took out of my dryer the first time around. I was better at identifying the issue after the first replacement because I realized how easy the drum should be to spin when empty. I noticed it wasn't anymore after several months with the cheap amazon parts and replaced them before they were so flat spotted, but one of them was just about locked up. I assume the cheap ones just do'nt have sealed bearings and the lint immediately destroys them? Or something....
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Mar 24, 2024 21:08
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Tyro posted:Yeah that was my guess too. All seems to be good a few hours later, guess the water got out of wherever it was.
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Mar 25, 2024 00:23
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So you may remember me posting my first time practice wall and mentioning I was going to move on to another painting job that would be in many ways more difficult. I slightly underestimated how much so. I was hoping to have finished pictures to share tonight and I've only just finished the first coat of primer. Things I have learned: - Doing a full room is more than four times harder than doing one wall for reasons that I'm sure are obvious to everyone but me. - Having additional help is a bit less helpful when it comes in the form of a 9 year old whose bedroom it is and who is commited to fully participate in the painting. - Not all wallpaper is created equal. I think getting all the wallpaper off each of his walls took maybe four times longer than the wall in my room, and I still found a few pieces I had somehow missed while painting. - Cats should be kept out of a freshly painted room. How hard is it to get paint off hardwood floors, btw?
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Mar 25, 2024 01:56
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GlyphGryph posted:How hard is it to get paint off hardwood floors, btw?
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Mar 25, 2024 04:34
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Ashcans posted:Well, not as hard as getting it off the cat. So use cats to strip the floors. Gotcha.
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Mar 25, 2024 05:37
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It's far easier to mask the floors off properly than remove paint after. That said paint is gonna come up way easier than primer. If it's still wet clean it up now. Otherwise scrape with something softer than the floor, ideally
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Mar 25, 2024 05:45
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Goof Off was what my hardwood floor refinisher guy told me to use and it appears they now make a special formula for just this use case.
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Mar 25, 2024 12:41
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Speaking of painting, would you all tile first or paint first? I've got to redo some significant chunks of my bathrooms due to a plumbing issue. I'm not touching the existing tile and floors, but I'm having to replace a lot of dry wall and trim, which means painting. I'm taking the opportunity to fix a PO fuckup, namely that they put standard wooden floor trim along the walls in the bathrooms. Some of it rotted from getting wet (bathroom and all) and it caused other problems. So all that's getting ripped out and I'm putting a single row of tile around the bottom of the walls to be a more water resistant trim (yes I know it won't be water proof, this needs to resist incidental bullshit bathroom water long enough to evaporate without just wicking into the wall to rot. It doesn't need to survive getting soaked for hours). On the one hand, it would be a lot easier to paint if I didn't have to worry about that trim tile. On the other hand, I could see myself loving up my new paint job sticking the tile on. I can mask the tile and it's easy enough to scrape paint off tile, but that's annoying. So, WSY BFC home goons? Paint first then put the tile trim up, or tile then paint?
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Mar 25, 2024 13:54
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Paint first. Easier to touch up paint after the fact, than clean paint off tile and grout imho.
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Mar 25, 2024 14:00
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Definitely paint first. Touching up paint is much easier and lower risk than doing a full paint job, and if you mess it up a bit and have fix it that seems a lot better than having to fix the tiles.
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Mar 25, 2024 14:19
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m0therfux0r posted:I have a weirdly specific toilet cleaning question: So, as everyone suggested, I did end up putting a Clorox puck in the tank. It's definitely working as far as making whatever is floating up significantly less visible (though I must admit I really hate the chlorine smell). It's been in there for a little over a week. However, I noticed that stuff is still floating up- it's really hard to see unless you're looking for it, but it's there- it's just bleached now so it's really difficult to see. Does that mean it's actually killing whatever's in there or that it's just a different color now? The reason I'm asking is because I don't want to leave a bleach puck in there all the time- I know it's bad for the toilet components, and I hate how I get blasted with "old pool" smell every time I start peeing. So if that means it's not "killing" it, I'd rather move onto something else.
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Mar 25, 2024 15:07
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I'd hazard a guess that there's a substantial amount of residue in the toilet innards, and since you can't get in there to scrub it, it's just slowly working its way free from the movement of water. The bleach has probably killed it all at this point though.
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Mar 25, 2024 15:15
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