Also, 75 percent of homes have a potential source of carbon monoxide (CO),
louis vuitton outlet, but only half of the homes have a working CO alarm, according to the U.S. Census Bureau. Produced by fossil fuel-burning appliances and engines, CO can cause injury or death if it builds up in your home. A working CO alarm is the only safe way to detect this odorless and invisible gas.
“A lot of people think barbecue is about sauce, but it’s not—it’s about meat,” Goodsell says. “Everything that comes in contact with the meat is a condiment—I want the meat to be the star of the show. The rub I put on it is a condiment. The smoke is a condiment, and all of the sauces are. Some people want a little, some people want a lot. I want people to have as much or as little as they like.”
The experience prompted Snyder to make bold life changes that had previously seemed too daunting. Always debt-free and frugal, she resigned a teaching job to go back to school for a master's degree, even though she'd have to take on student loans and live on very little money into her late 20s.
Sandy GriffisYavapai County Contractors AssociationWhen you purchase a homeowner's insurance policy, you'll make a number of decisions about your coverage. One of the most important is whether to insure your home for its replacement cost or its market value. Understanding each option will help you make an informed choice that safeguards your home and your family's financial future. What is replacement cost? Replacement cost is the cost necessary to repair or replace your entire home. When you insure your home for its replacement value, your insurer will reimburse you for the cost of rebuilding or repairing your home, based on the size and structure of the home that was lost or damaged. The most accurate way to determine the replacement cost of your home is to hire a building contractor or other building professional to produce a detailed estimate. Only the cost of the property's structure and its associated systems, fixtures, and finishes will be included in the estimate; land value is included in a home's market value but should not be included in the amount of insurance you buy. Benefits In the event of a loss, replacement cost coverage will help your family return to their home and usual quality of life with minimal financial interruption. For the best protection, experts recommend that you insure your home for at least 100 percent of its replacement cost.Risks Replacement value can change over time, so you should review your policy annually to make sure its coverage meets your needs. Inform your insurer if you have upgraded or improved your home, because these alterations may increase your home's estimated replacement cost. Also, you'll want to stay informed about changing market conditions in your area. Rising labor, materials and transportation costs can directly affect your home's replacement value. For maximum protection, consider a policy that includes an inflation clause that automatically adjusts coverage and premiums to account for changes in construction costs. What is market value? Market value is the amount that a buyer would pay to purchase your home and its land in its current condition. Unlike your home's replacement value, its market value is influenced by factors beyond the material and labor costs of repairs or reconstruction, such as proximity to good schools,
gen16758, local crime statistics and the availability of similar homes. Also, the land itself will be included in the home's market value, although it will not be covered by the homeowner's policy. Benefits In some cases, market value coverage may be the most practical option. Take the example of an ornate older home. In today's market,
Lord Taylor and Dillard’s., the cost of rebuilding or restoring artisanal woodwork, masonry, and plastering to their original condition may be much higher than the home's purchase price. Therefore, the replacement policy premiums for the home would be high. (Special policies are available for some historic homes, but these also come at a higher price). For a cash-strapped homeowner, buying a policy based on market value offers the best chance to recoup at least partial expenses after a loss. Risks When you insure a typical home for its market value,
A.J. Valencia, you are at risk of having incomplete coverage. For example, imagine that a family buys a home for $175,000 and takes out a homeowner's policy for the same amount. The replacement cost for the home, though, is $225,000. If a fire or other insured event destroys the house, the insurance settlement would be $50,000 less than the actual replacement cost of the home. The family would either have to make up the difference themselves or build a new, less expensive home.Yavapai County Contractors Association (YCCA) is a professional association representing licensed, bonded and insured contractors, suppliers, distributors and business entities. Call YCCA for information on hiring a contractor at 778-0040. Submit questions to
ycca@cableone.net or through
www.ycca.org.
Benedictine’s target is to have 100 students enrolled when classes begin, said Elliott Peppers, spokesman for the school. He did not release current enrollment figures.
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