Ensure you insure your remodeled home

When we remodel we increase the value of our home whether it’s a single room we’ve redone or the entire home. But while we’ve updated our home with the remodel, have we updated our home owner’s insurance?

A remodel, particularly a major remodeling, usually means the replacement value of your home increases. It isn’t something we like to think about, but should you experience some kind of total loss your current policy may not completely cover it. So it is important to be sure you update your home owner’s coverage.

You should also keep in mind that if you have what is known as an Extended Replacement Coverage Endorsement it usually requires that you make your insurance company aware of changes to the value of your home. This normally means changes above a certain amount, like $5,000. You should check your policy or with your insurer for this information.

Along with the remodel of their home, many people make the additional financial commitment of adding or replacing furniture. This may require you to adjust personal property limits on your policy so the true value is covered.

The important thing to keep in mind is: do not forget your insurance. Be certain you update it when you remodel.

With the love and finances you have devoted to your home, not to mention the work you’ve put in, you want be sure your home is cared for, especially for the worst circumstances (which hopefully never occur).

As your home changes, so should your insurance.

Michael Nash Design, Build & Homes
8630-A Lee Highway
Fairfax, VA 22031
Tel:(703) 641-9800 begin_of_the_skype_highlighting            (703) 641-9800      end_of_the_skype_highlighting

Radiant floor heating a hot new trend

As often happens, the old has become new.  This is true of one of the newest trends in heating – radiant heat, particularly radiant floor heat. Its history literally goes back thousands of years to Rome and Asia.

Yet radiant heating is also new given current technological and design changes. It has now become an attractive heating alternative by building on its history and combining that with new approaches.

The trend is specifically toward radiant floor heat.

One of its most appealing features is the warm floor it offers us when we get up in the morning. The cold floor is gone! Now our bare feet are met by warmth.

More significant, however, is the way radiant floor heat works. Coming up from the floor, it heats people and objects in a room rather than just the room’s air. It also makes for a more consistent temperature in a room – one part of a room doesn’t feel warmer than another.

There is no forced air with radiant floor heating so the systems are quieter than other heating systems and they usually translate into considerably lower utility costs. Radiant floor heating is also a more efficient system than baseboard and forced air systems because no energy is lost through ducts.

It is a form of heating that can also be beneficial to allergy sufferers because there is no moving air. Heat radiates up from the floor.

You also won’t have to arrange furniture around this heating system. There are no heat ducts or heating units you’ll need to leave open in order to avoid blocking the heat. You can design your rooms however you want rather than be restricted to where you can place items.

There are three kinds of radiant floor heating systems:

- Air heated radiant floors

- Electric radiant floors

- Hydronic radiant floors

Of these, it is the hydronic radiant floors systems (meaning liquid systems) that are the most popular and cost effective.

When planning a remodeling or a new home build, be sure to take some time to explore radiant floor heating. You may find it a very attractive option!

For more information on radiant heating, see Radiant Heating  (U.S. Department of Energy).

Link: http://www.energysavers.gov/your_home/space_heating_cooling/index.cfm/mytopic=12590/

Michael Nash Design, Build & Homes
8630-A Lee Highway
Fairfax, VA 22031
Tel:(703) 641-9800 begin_of_the_skype_highlighting            (703) 641-9800      end_of_the_skype_highlighting

Fireplaces

With winter well upon us now, the idea of a fireplace comes easily to mind. Adding a fireplace to your home can be a wonderful addition and in many cases it is practical since they can provide an additional heating source. 

A fireplace can be quite simple or quite elaborate with additions like hearth, mantel, screen and so on.

There are a number of fireplace types available though generally they are either the traditional wood burning kind or gas (propane or natural gas). There are others however, such as electric and gel, and they are increasing in popularity.

Usually when we hear the word “fireplace,” we think of the traditional, built-in kind but today’s fireplaces can come in a range of sizes and shapes and are often even portable.

The type we choose should depend on the space available to us and on what we want from the fireplace. For many, it will be simply as a decorative feature for their home. Others will want something that serves the additional function of providing a good heat source and some fireplaces will do that more efficiently than others.

It’s also important to consider what pollutants may or not be emitted by your fireplace choice. For example, propane is usually a little bit more energy efficient than a traditional wood burning fireplace but it also emits fewer pollutants.

From a decorative standpoint, once you have chosen your fireplace you may want to consider a mantel. These can be very elaborate and ornate or they can be quite simple. Your personal style will dictate what you choose.

When fireplace and mantel are combined, they can be the centerpiece of your room and provide a cozy place around which to gather and enjoy the warmth of friends and family, as well as the warmth of the fireplace itself.

In the winter months, it is where you will want to be!

Michael Nash Design, Build & Homes
8630-A Lee Highway
Fairfax, VA 22031
Tel:(703) 641-9800 begin_of_the_skype_highlighting            (703) 641-9800      end_of_the_skype_highlighting