Child Safety

Childproofing Your Home - 12 Safety Devices to Protect Your Children   About 2-1/2 million children are injured or killed by hazards in the home each year. The good news is that many of these incidents can be prevented by using simple child safety devices on the market today.

Any safety device you buy should be sturdy enough to prevent injury to your child, yet easy for you to use. It's important to follow installation instructions carefully. In addition, if you have older children in the house, be sure they re-secure safety devices. Remember, too, that no device is completely childproof; determined youngsters have been known to disable them.

You can childproof your home for a fraction of what it would cost to have a professional do it. And safety devices are easy to find. You can buy them at hardware stores, baby equipment shops, supermarkets, drug stores, home and linen stores, and through mail order catalogues.

Here are some child safety devices that can help prevent many injuries to young children. 

1 Use Safety Latches and Locks for cabinets and drawers in kitchens, bathrooms, and other areas to help prevent poisonings and other injuries. Safety latches and locks on cabinets and drawers can help prevent children from gaining access to medicines and household cleaners, as well as knives and other sharp objects.

Look for safety latches and locks that adults can easily install and use, but are sturdy enough to withstand pulls and tugs from children. Safety latches are not a guarantee of protection, but they can make it more difficult for children to reach dangerous substances. Even products with child-resistant packaging should be locked away, out of reach; this packaging is not childproof.

Typical cost of a safety latch or lock: less than $2.

2 Use Safety Gates to help prevent falls down stairs and to keep children away from dangerous areas. Safety gates can help keep children away from stairs or rooms that have hazards in them. Look for safety gates that children cannot dislodge easily, but that adults can open and close without difficulty. For the top of stairs, gates that screw to the wall are more secure than "pressure gates." Picture of a baby with pet dog next to a safety gate

New safety gates that meet safety standards display a certification seal from the Juvenile Products Manufacturers Association (JPMA). If you have an older safety gate, be sure it doesn't have "V" shapes that are large enough for a child's head and neck to fit into.

Typical cost of a safety gate: $13 to $40.

3 Use Door Knob Covers and Door Locks to help prevent children from entering rooms and other areas with possible dangers. Door knob covers and door locks can help keep children away from places with hazards, including swimming pools.

Be sure the door knob cover is sturdy enough not to break, but allows a door to be opened quickly by an adult in case of emergency. By restricting access to potentially hazardous rooms in the home, door knob covers could help prevent many kinds of injuries. To prevent access to swimming pools, door locks should be placed high out of reach of young children. Locks should be used in addition to fences and door alarms. Sliding glass doors, with locks that must be re-secured after each use, are often not an effective barrier to pools.

Typical cost of a door knob cover: $1 and door lock: $5 and up.

4 Use Anti-Scald Devices for faucets and shower heads and set your water heater temperature to 120 degrees Fahrenheit to help prevent burns from hot water. Anti-scald devices for regulating water temperature can help prevent burns.

Consider using anti-scald devices for faucets and showerheads. A plumber may need to install these. In addition, if you live in your own home, set water heater temperature to 120 degrees Fahrenheit to help prevent burns from hot water.

Typical cost of an anti-scald device: $6 to $30.

5 Use Smoke Detectors on every level of your home and near bedrooms to alert you to fires. Smoke detectors are essential safety devices for protection against fire deaths and injuries.

Check smoke detectors once a month to make sure they're working.   If detectors are battery-operated, change batteries at least once a year or consider using 10-year batteries. Typical cost of a smoke detector: less than $10.   6 Use Window Guards and Safety Netting to help prevent falls from windows, balconies, decks, and landings. Window guards and safety netting for balconies and decks can help prevent serious falls. Picture of a baby looking out of a window that has a safety device installed on it

Check these safety devices frequently to make sure they are secure and properly installed and maintained. There should be no more than four inches between the bars of the window guard. If you have window guards, be sure at least one window in each room can be easily used for escape in a fire. Window screens are not effective for preventing children from falling out of windows.

Typical cost of a window guard or safety netting: $8 to $16.

7 Use Corner and Edge Bumpers to help prevent injuries from falls against sharp edges of furniture and fireplaces. Corner and edge bumpers can be used with furniture and fireplace hearths to help prevent injuries from falls or to soften falls against sharp or rough edges.

Be sure to look for bumpers that stay securely on furniture or hearth edges.

Typical cost of a corner and edge bumper: $1 and up.

8 Use Outlet Covers and Outlet Plates to help prevent electrocution. Outlet covers and outlet plates can help protect children from electrical shock and possible electrocution.

Be sure the outlet protectors cannot be easily removed by children and are large enough so that children cannot choke on them.

Typical cost of an outlet cover: less than $2.

9 Use a Carbon Monoxide (CO) Detector outside bedrooms to help prevent CO poisoning. A carbon monoxide (CO) detector can help prevent CO poisoning. Consumers should install CO detectors near sleeping areas in their homes. Households that should use CO detectors include those with gas or oil heat or with attached garages.

Typical cost of a carbon monoxide (CO) detector: $30 to $70.

10 Cut Window Blind Cords; use Safety Tassels and Inner Cord Stops to help prevent children from strangling in blind cord loops. Window blind cord safety tassels on miniblinds and tension devices on vertical blinds and drapery cords can help prevent deaths and injuries from strangulation in the loops of cords. Inner cord stops can help prevent strangulation in the inner cords of window blinds.

For older miniblinds, cut the cord loop, remove the buckle, and put safety tassels on each cord. Be sure that older vertical blinds and drapery cords have tension or tie-down devices to hold the cords tight. When buying new miniblinds, verticals, and draperies, ask for safety features to prevent child strangulation.

11 Use Door Stops and Door Holders to help prevent injuries to fingers and hands. Door stops and door holders on doors and door hinges can help prevent small fingers and hands from being pinched or crushed in doors and door hinges.

Be sure any safety device for doors is easy to use and is not likely to break into small parts, which could be a choking hazard for young children.

Typical cost of a door stop and door holder: less than $4.

12 Use a Cordless Phone to make it easier to continuously watch young children, especially when they're in bathtubs, swimming pools, or other potentially dangerous areas. Picture of a woman talking on the telephone while holding baby

Cordless phones help you watch your child continuously, without leaving the vicinity to answer a phone call. Cordless phones are especially helpful when children are in or near water, whether it's the bathtub, the swimming pool, or the beach.

Typical cost of a cordless phone: $30 and up.
 

Seller's pre-listing inspections.

Eventually your buyers are going to conduct an inspection. You may as well know what they are going to find by getting there first.  Having an inspection performed ahead of time helps in many other ways:
  • It allows you to see your home through the eyes of a critical third-party.
  • It helps you to price your home realistically.
  • It permits you to make repairs ahead of time so that ...
  • Defects won't become negotiating stumbling blocks later.
  • There is no delay in obtaining the Use and Occupancy permit.
  • You have the time to get reasonably priced contractors or make the repairs yourself, if qualified.
  • It may encourage the buyer to waive the inspection contingency.
  • It may alert you of items of immediate personal concern, such as radon gas or active termite infestation.
  • It may relieve prospect's concerns and suspicions.
  • It reduces your liability by adding professional supporting documentation to your disclosure statement.
  • Alerting you to immediate safety issues before agents and visitors tour your home.
Copies of the inspection report along with receipts for any repairs should be made available to potential buyers.
 

Stucco

Preservation and Repair of Historic Stucco   The term "stucco" is used to describe a type of exterior plaster applied as a two-or-three part coating directly onto masonry, or applied over wood or metal lath to a log or wood frame structure. Stucco is found in many forms on historic structures throughout the United States. It is so common, in fact, that it frequently goes unnoticed, and is often disguised or used to imitate another material. Historic stucco is also sometimes incorrectly viewed as a sacrificial coating, and consequently removed to reveal stone, brick or logs that historically were never intended to be exposed. Age and lack of maintenance hasten the deterioration of many historic stucco buildings. Like most historic building materials, stucco is at the mercy of the elements, and even though it is a protective coating, it is particularly susceptible to water damage. Stucco is a material of deceptive simplicity: in most cases its repair should not be undertaken by a property owner unfamiliar with the art of plastering. Successful stucco repair requires the skill and experience of a professional plasterer. Although several stucco mixes are representative of different periods are provided here for reference Each project is unique, with its own set of problems that require individual solutions    Historical Background 
 
The stucco on the early-19th century Richardson-Owens-Thomas House in Savannah, Georgia, is a type of natural cement.

Stucco has been used since ancient times. Still widely used throughout the world, it is one of the most common of traditional building materials. Up until the late 1800's, stucco, like mortar, was primarily lime-based, but the popularization of portland cement changed the composition of stucco, as well as mortar, to a harder material. Historically, the term "plaster" has often been interchangeable with "stucco"; the term is still favored by many, particularly when referring to the traditional lime-based coating. By the nineteenth century "stucco," although originally denoting fine interior ornamental plasterwork, had gained wide acceptance in the United States to describe exterior plastering. "Render" and "rendering" are also terms used to describe stucco, especially in Great Britain. Other historic treatments and coatings related to stucco in that they consist at least in part of a similarly plastic or malleable material include: parging and pargeting, wattle and daub, "cob" or chalk mud, pise de terre, rammed earth, briquete entre poteaux or bousillage, half-timbering, and adobe. All of these are regional variations on traditional mixtures of mud, clay, lime, chalk, cement, gravel or straw. Many are still used today.

 
The stucco finish on Arlington House, Arlington, Virginia, was marbleized in the 1

Revival Styles Promote Use of Stucco

The introduction of the many revival styles of architecture around the turn of the twentieth century, combined with the improvement and increased availability of portland cement resulted in a "craze" for stucco as a building material in the United States. Beginning about 1890 and gaining momentum into the 1930s and 1940s, stucco was associated with certain historic architectural styles, including: Prairie; Art Deco, and Art Moderne; Spanish Colonial, Mission, Pueblo, Mediterranean, English Cotswold Cottage, and Tudor Revival styles; as well as the ubiquitous bungalow and "four-square" house. The fad for Spanish Colonial Revival, and other variations on this theme, was especially important in furthering stucco as a building material in the United States during this period, since stucco clearly looked like adobe.

Although stucco buildings were especially prevalent in California, the Southwest and Florida, ostensibly because of their Spanish heritage, this period also spawned stucco-coated, revival-style buildings all over the United States and Canada. The popularity of stucco as a cheap, and readily available material meant that by the 1920s, it was used for an increasing variety of building types. Resort hotels, apartment buildings, private mansions and movie theaters, railroad stations, and even gas stations and tourist courts took advantage of the "romance" of period styles, and adopted the stucco construction that had become synonymous with these styles.

 
The damage to this stucco appears to be caused by moisture infiltration.

A Practical Building Material

Stucco has traditionally been popular for a variety of reasons. It was an inexpensive material that could simulate finely dressed stonework, especially when "scored" or "lined" in the European tradition. A stucco coating over a less finished and less costly substrate such as rubblestone, fieldstone, brick, log or wood frame, gave the building the appearance of being a more expensive and important structure. As a weather-repellent coating, stucco protected the building from wind and rain penetration, and also offered a certain amount of fire protection. While stucco was usually applied during construction as part of the building design, particularly over rubblestone or fieldstone, in some instances it was added later to protect the structure, or when a rise in the owner's social status demanded a comparable rise in his standard of living.

Composition of Historic Stucco

Before the mid-to-late nineteenth century, stucco consisted primarily of hydrated or slaked lime, water and sand, with straw or animal hair included as a binder. Natural cements were frequently used in stucco mixes after their discovery in the United States during the 1820s. Portland cement was first manufactured in the United States in 1871, and it gradually replaced natural cement. After about 1900, most stucco was composed primarily of portland cement, mixed with some lime. With the addition of portland cement, stucco became even more versatile and durable. No longer used just as a coating for a substantial material like masonry or log, stucco could now be applied over wood or metal lath attached to a light wood frame. With this increased strength, stucco ceased to be just a veneer and became a more integral part of the building structure.

 
Caulking is not an appropriate method for repairing cracks in historic stucco.

Today, gypsum, which is hydrated calcium sulfate or sulfate of lime, has to a great extent replaced lime Gypsum is preferred because it hardens faster and has less shrinkage than lime. Lime is generally used only in the finish coat in contemporary stucco work.

The composition of stucco depended on local custom and available materials. Stucco often contained substantial amounts of mud or clay, marble or brick dust, or even sawdust, and an array of additives ranging from animal blood or urine, to eggs, keratin or gluesize (animal hooves and horns), varnish, wheat paste, sugar, salt, sodium silicate, alum, tallow, linseed oil, beeswax, and wine, beer, or rye whiskey. Waxes, fats and oils were included to introduce water-repellent properties, sugary materials reduced the amount of water needed and slowed down the setting time, and alcohol acted as an air entrainer. All of these additives contributed to the strength and durability of the stucco.

The appearance of much stucco was determined by the color of the sand--or sometimes burnt clay--used in the mix, but often stucco was also tinted with natural pigments, or the surface whitewashed or color-washed after stuccoing was completed. Brick dust could provide color, and other coloring materials that were not affected by lime, mostly mineral pigments, could be added to the mix for the final finish coat. Stucco was also marbled or marbleized--stained to look like stone by diluting oil of vitriol (sulfuric acid) with water, and mixing this with a yellow ochre, or another color. As the twentieth century progressed, manufactured or synthetic pigments were added at the factory to some prepared stucco mixes.

Methods of Application

Stucco is applied directly, without lath, to masonry substrates such as brick, stone, concrete or hollow tile. But on wood structures, stucco, like its interior counterpart plaster, must be applied over lath in order to obtain an adequate key to hold the stucco. Thus, when applied over a log structure, stucco is laid on horizontal wood lath that has been nailed on vertical wood furring strips attached to the logs. If it is applied over a wood frame structure, stucco may be applied to wood or metal lath nailed directly to the wood frame; it may also be placed on lath that has been attached to furring strips. The furring strips are themselves laid over building paper covering the wood sheathing.

 
The dry materials must be mixed thoroughly before adding water to make the stucco.

Wood lath was gradually superseded by expanded metal lath introduced in the late-nineteenth and early-twentieth century. When stuccoing over a stone or brick substrate, it was customary to cut back or rake out the mortar joints if they were not already recessed by natural weathering or erosion, and sometimes the bricks themselves were gouged to provide a key for the stucco. This helped provide the necessary bond for the stucco to remain attached to the masonry, much like the key provided by wood or metal lath on frame buildings.

Like interior wall plaster, stucco has traditionally been applied as a multiple-layer process, sometimes consisting of two coats, but more commonly as three. Whether applied directly to a masonry substrate or onto wood or metal lath, this consists of a first "scratch" or "pricking-up" coat, followed by a second scratch coat, sometimes referred to as a "floating" or "brown" coat, followed finally by the "finishing" coat. Up until the late-nineteenth century, the first and the second coats were of much the same composition, generally consisting of lime, or natural cement, sand, perhaps clay, and one or more of the additives previously mentioned. Straw or animal hair was usually added to the first coat as a binder. The third, or finishing coat, consisted primarily of a very fine mesh grade of lime and sand, and sometimes pigment. As already noted, after the 1820s, natural cement was also a common ingredient in stucco until it was replaced by portland cement. Both masonry and wood lath must be kept wet or damp to ensure a good bond with the stucco. Wetting these materials helps to prevent them from pulling moisture out of the stucco too rapidly, which results in cracking, loss of bond, and generally poor quality stuccowork.

Traditional Stucco Finishes

Until the early-twentieth century when a variety of novelty finishes or textures were introduced, the last coat of stucco was commonly given a smooth, troweled finish, and then scored or lined in imitation of ashlar. The illusion of masonry joints was sometimes enhanced by a thin line of white lime putty, graphite, or some other pigment. Some nineteenth century buildings feature a water table or raised foundation of roughcast stucco that differentiates it from the stucco surface above, which is smooth and scored. Other novelty or textured finishes associated with the "period" or revival styles of the early-twentieth century include: the English cottage finish, adobe and Spanish, pebble-dashed or dry-dash surface, fan and sponge texture, reticulated and vermiculated, roughcast (or wet dash), and sgraffito.

Regular Maintenance 

Although A. J. Downing alluded to stuccoed houses in Pennsylvania that had survived for over a century in relatively good condition, historic stucco is inherently not a particularly permanent or long-lasting building material. Regular maintenance is required to keep it in good condition. Unfortunately, many older or historic buildings are not always accorded this kind of care.

Because building owners knew stucco to be a protective, but also somewhat fragile coating, they employed a variety of means to prolong its usefulness. The most common treatment was to whitewash stucco, often annually. The lime in the whitewash offered protection and stability and helped to harden the stucco. Most importantly, it filled hairline cracks before they could develop into larger cracks and let in moisture. To improve water repellency, stucco buildings were also sometimes coated with paraffin, another type of wax, or other stucco-like coatings, such as oil mastics.

Assessing Damage

Most stucco deterioration is the result of water infiltration into the building structure, either through the roof, around chimneys, window and door openings, or excessive ground water or moisture penetrating through, or splashing up from the foundation. Potential causes of deterioration include: ground settlement lintel and door frame settlement, inadequate or leaking gutters and downspouts, intrusive vegetation, moisture migration within walls due to interior condensation and humidity, vapor drive problems caused by furnace, bathroom and kitchen vents, and rising damp resulting from excessive ground water and poor drainage around the foundation. Water infiltration will cause wood lath to rot, and metal lath and nails to rust, which eventually will cause stucco to lose its bond and pull away from its substrate.

 
The deteriorated surface of this catch basin is being re-stuccoed.

After the cause of deterioration has been identified, any necessary repairs to the building should be made first before repairing the stucco. Such work is likely to include repairs designed to keep excessive water away from the stucco, such as roof, gutter, downspout and flashing repairs, improving drainage, and redirecting rainwater runoff and splash-back away from the building. Horizontal areas such as the tops of parapet walls or chimneys are particularly vulnerable to water infiltration, and may require modifications to their original design, such as the addition of flashing to correct the problem.

Previous repairs inexpertly carried out may have caused additional deterioration, particularly if executed in portland cement, which tends to be very rigid, and therefore incompatible with early, mostly soft lime-based stucco that is more "flexible." Incompatible repairs, external vibration caused by traffic or construction, or building settlement can also result in cracks which permit the entrance of water and cause the stucco to fail.

Before beginning any stucco repair, an assessment of the stucco should be undertaken to determine the extent of the damage, and how much must be replaced or repaired. Testing should be carried out systematically on all elevations of the building to determine the overall condition of the stucco. Some areas in need of repair will be clearly evidenced by missing sections of stucco or stucco layers. Bulging or cracked areas are obvious places to begin. Unsound, punky or soft areas that have lost their key will echo with a hollow sound when tapped gently with a wooden or acrylic hammer or mallet.

Identifying the Stucco Type

Analysis of the historic stucco will provide useful information on its primary ingredients and their proportions, and will help to ensure that the new replacement stucco will duplicate the old in strength, composition, color and texture as closely as possible. However, unless authentic, period restoration is required, it may not be worthwhile, nor in many instances possible, to attempt to duplicate all of the ingredients (particularly some of the additives), in creating the new stucco mortar. Some items are no longer available, and others, notably sand and lime--the major components of traditional stucco--have changed radically over time. For example, most sand used in contemporary masonry work is manufactured sand, because river sand, which was used historically, is difficult to obtain today in many parts of the country. The physical and visual qualities of manufactured sand versus river sand, are quite different, and this affects the way stucco works, as well as the way it looks. The same is true of lime, which is frequently replaced by gypsum in modern stucco mixes. And even if identification of all the items in the historic stucco mix were possible, the analysis would still not reveal how the original stucco was mixed and applied.

There are, however, simple tests that can be carried out on a small piece of stucco to determine its basic makeup. A dilute solution of hydrochloric (muriatic) acid will dissolve lime-based stucco, but not portland cement. Although the use of portland cement became common after 1900, there are no precise cutoff dates, as stuccoing practices varied among individual plasterers, and from region to region. Some plasterers began using portland cement in the 1880s, but others may have continued to favor lime stucco well into the early twentieth century. While it is safe to assume that a late-eighteenth or early-nineteenth century stucco is lime-based, late-nineteenth or early-twentieth century stucco may be based on either lime or portland cement. Another important factor to take into consideration is that an early lime-stucco building is likely to have been repaired many times over the ensuing years, and it is probable that at least some of these patches consist of portland cement.

Planning the Repair

Once the extent of damage has been determined, a number of repair options may be considered. Small hairline cracks usually are not serious and may be sealed with a thin slurry coat consisting of the finish coat ingredients, or even with a coat of paint or whitewash.

Commercially available caulking compounds are not suitable materials for patching hairline cracks. Because their consistency and texture is unlike that of stucco, they tend to weather differently, and attract more dirt; as a result, repairs made with caulking compounds may be highly visible, and unsightly. Larger cracks will have to be cut out in preparation for more extensive repair. Most stucco repairs will require the skill and expertise of a professional plasterer.

 
The stucco will be applied to the wire lath laid over the area to be patched.

In the interest of saving or preserving as much as possible of the historic stucco, patching rather than wholesale replacement is preferable. When repairing heavily textured surfaces, it is not usually necessary to replace an entire wall section, as the textured finish, if well-executed, tends to conceal patches, and helps them to blend in with the existing stucco. However, because of the nature of smooth-finished stucco, patching a number of small areas scattered over one elevation may not be a successful repair approach unless the stucco has been previously painted, or is to be painted following the repair work. On unpainted stucco such patches are hard to conceal, because they may not match exactly or blend in with the rest of the historic stucco surface. For this reason it is recommended, if possible, that stucco repair be carried out in a contained or well-defined area, or if the stucco is scored, the repair patch should be "squared-off" in such a way as to follow existing scoring. In some cases, especially in a highly visible location, it may be preferable to restucco an entire wall section or feature. In this way, any differences between the patched area and the historic surface will not be so readily apparent.

Repair of historic stucco generally follows most of the same principles used in plaster repair. First, all deteriorated, severely cracked and loose stucco should be removed down to the lath (assuming that the lath is securely attached to the substrate), or down to the masonry if the stucco is directly applied to a masonry substrate. A clean surface is necessary to obtain a good bond between the stucco and substrate. The areas to be patched should be cleaned of all debris with a bristle brush, and all plant growth, dirt, loose paint, oil or grease should be removed. If necessary, brick or stone mortar joints should then be raked out to a depth of approximately 5/8" to ensure a good bond between the substrate and the new stucco.

To obtain a neat repair, the area to be patched should be squared-off with a butt joint, using a cold chisel, a hatchet, a diamond blade saw, or a masonry bit. Sometimes it may be preferable to leave the area to be patched in an irregular shape which may result in a less conspicuous patch. Proper preparation of the area to be patched requires very sharp tools, and extreme caution on the part of the plasterer not to break keys of surrounding good stucco by "over-sounding" when removing deteriorated stucco.

To ensure a firm bond, the new patch must not overlap the old stucco. If the stucco has lost its bond or key from wood lath, or the lath has deteriorated or come loose from the substrate, a decision must be made whether to try to reattach the old lath, to replace deteriorated lath with new wood lath, or to leave the historic wood lath in place and supplement it with modern expanded metal lath. Unless authenticity is important, it is generally preferable (and easier) to nail new metal lath over the old wood lath to support the patch. Metal lath that is no longer securely fastened to the substrate may be removed and replaced in kind, or left in place, and supplemented with new wire lath.

When repairing lime-based stucco applied directly to masonry, the new stucco should be applied in the same manner, directly onto the stone or brick. The stucco will bond onto the masonry itself without the addition of lath because of the irregularities in the masonry or those of its mortar joints, or because its surface has been scratched, scored or otherwise roughened to provide an additional key. Cutting out the old stucco at a diagonal angle may also help secure the bond between the new and the old stucco. For the most part it is not advisable to insert metal lath when restuccoing historic masonry in sound condition, as it can hasten deterioration of the repair work. Not only will attaching the lath damage the masonry, but the slightest moisture penetration can cause metal lath to rust. This will cause metal to expand, eventually resulting in spalling of the stucco, and possibly the masonry substrate too.

 
The final finish coat will be applied to this scratch coat.

If the area to be patched is properly cleaned and prepared, a bonding agent is usually not necessary. However, a bonding agent may be useful when repairing hairline cracks, or when dealing with substrates that do not offer a good bonding surface. These may include dense stone or brick, previously painted or stuccoed masonry, or spalling brick substrates. A good mechanical bond is always preferable to reliance on bonding agents. Bonding agents should not be used on a wall that is likely to remain damp or where large amounts of salts are present. Many bonding agents do not survive well under such conditions, and their use could jeopardize the longevity of the stucco repair.

A stucco mix compatible with the historic stucco should be selected after analyzing the existing stucco. It can be adapted from a standard traditional mix of the period, or based on one of the mixes included here. Stucco consisting mostly of portland cement generally will not be physically compatible with the softer, more flexible lime-rich historic stuccos used throughout the eighteenth and much of the nineteenth centuries. The differing expansion and contraction rates of lime stucco and portland cement stucco will normally cause the stucco to crack. Choosing a stucco mix that is durable and compatible with the historic stucco on the building is likely to involve considerable trial and error, and probably will require a number of test samples, and even more if it is necessary to match the color. It is best to let the stucco test samples weather as long as possible--ideally one year, or at least through a change of seasons, in order to study the durability of the mix and its compatibility with the existing stucco, as well as the weathering of the tint if the building will not be painted and color match is an important factor.

If the test samples are not executed on the building, they should be placed next to the stucco remaining on the building to compare the color, texture and composition of the samples with the original. The number and thickness of stucco coats used in the repair should also match the original.

After thoroughly dampening the masonry or wood lath, the first, scratch coat should be applied to the masonry substrate, or wood or metal lath, in a thickness that corresponds to the original if extant, or generally about 1/4" to 3/8". The scratch coat should be scratched or crosshatched with a comb to provide a key to hold the second coat. It usually takes 24-72 hours, and longer in cold weather, for each coat to dry before the next coat can be applied. The second coat should be about the same thickness as the first, and the total thickness of the first two coats should generally not exceed about 5/8". This second or leveling coat should be roughened using a wood float with a nail protruding to provide a key for the final or finish coat. The finish coat, about 1/4" thick, is applied after the previous coat has initially set. If this is not feasible, the base coat should be thoroughly dampened when the finish coat is applied later. The finish coat should be worked to match the texture of the original stucco.

Colors and Tints for Historic Stucco Repair

 
The new addition on the right is stucco scored to imitate the limestone of the historic building on the left.

The color of most early stucco was supplied by the aggregate included in the mix--usually the sand. Sometimes natural pigments were added to the mix, and eighteenth and nineteenth-century scored stucco was often marbleized or painted in imitation of marble or granite. Stucco was also frequently coated with whitewash or a colorwash. This tradition later evolved into the use of paint, its popularity depending on the vagaries of fashion as much as a means of concealing repairs. Because most of the early colors were derived from nature, the resultant stucco tints tended to ne mostly earth-toned. This was true until the advent of brightly colored stucco in the early decades of the twentieth century. This was the so-called "Jazz Plaster" developed by O.A. Malone, the "man who put color into California," and who founded the California Stone Products Corporation in 1927. California Stucco was revolutionary for its time as the first stucco/plaster to contain colored pigment in its pre-packaged factory mix.

When patching or repairing a historic stucco surface known to have been tinted, it may be possible to determine through visual or microscopic analysis whether the source of the coloring is sand, cement, or pigment. Although some pigments or aggregates used traditionally may no longer be available, a sufficiently close color-match can generally be approximately using sand, natural or mineral pigments, or a combination of these. Obtaining such a match will require testing and comparing the color of the dried test samples with the original. Successfully combining pigments in the dry stucco mix prepared for the finish coat requires considerable skill. The amount of pigment must be carefully measured for each batch of stucco. Overworking the mix can make the pigment separate from the lime. Changing the amount of water added to the mix, or using water to apply the tinted finish coat, will also affect the color of the stucco when it dries.

Generally, the color obtained by hand-mixing these ingredients will provide a sufficiently close match to cover an entire wall or an area distinct enough from the rest of the structure that the color differences will not be obvious. However, it may not work for small patches conspicuously located on a primary elevation, where color differences will be especially noticeable. In these instances, it may be necessary to conceal the repairs by painting the entire patched elevation, or even the whole building.

Many stucco buildings have been painted over the years and will require repainting after the stucco repairs have been made. Limewash or cement-based paint, latex paint, or oil-based paint are appropriate coatings for stucco buildings. The most important factor to consider when repainting a previously painted or coated surface is that the new paint be compatible with any coating already on the surface. In preparation for repainting, all loose or peeling paint or other coating material not firmly adhered to the stucco must be removed by hand-scraping or natural bristle brushes. The surface should then be cleaned.

Cement-based paints, most of which today contain some portland cement and are really a type of limewash, have traditionally been used on stucco buildings. The ingredients were easily obtainable. Furthermore, the lime in such paints actually bonded or joined with the stucco and provided a very durable coating. In many regions, whitewash was applied annually during spring cleaning. Modern, commercially available premixed masonry and mineral-based paints may also be used on historic stucco buildings.

If the structure must be painted for the first time to conceal repairs, almost any of these coatings may be acceptable depending on the situation. Latex paint, for example, may be applied to slightly damp walls or where there is an excess of moisture, but latex paint will not stick to chalky or powdery areas. Oil-based, or alkyd paints must be applied only to dry walls; new stucco must cure up to a year before it can be painted with oil-based paint.

Contemporary Stucco Products

There are many contemporary stucco products on the market today. Many of them are not compatible, either physically or visually, with historic stucco buildings. Such products should be considered for use only after consulting with a historic masonry specialist. However, some of these prepackaged tinted stucco coatings may be suitable for use on stucco buildings dating from the late-nineteenth or early-twentieth century, as long as the color and texture are appropriate for the period and style of the building. While some masonry contractors may, as a matter of course, suggest that a water-repellent coating be applied after repairing old stucco, in most cases this should not be necessary, since color washes and paints serve the same purpose, and stucco itself is a protective coating.

Cleaning Historic Stucco Surfaces

Historic stucco buildings often exhibit multiple layers of paint or limewash. Although some stucco surfaces may be cleaned by water washing, the relative success of this procedure depends on two factors: the surface texture of the stucco, and the type of dirt to be removed. If simply removing airborne dirt, smooth unpainted stucco, and heavily-textured painted stucco may sometimes be cleaned using a low-pressure water wash, supplemented by scrubbing with soft natural bristle brushes, and possibly non-ionic detergents. Organic plant material, such as algae and mold, and metallic stains may be removed from stucco using poultices and appropriate solvents. Although these same methods may be employed to clean unpainted roughcast, pebble-dash, or any stucco surface featuring exposed aggregate, due to the surface irregularities, it may be difficult to remove dirt, without also removing portions of the decorative textured surface. Difficulty in cleaning these surfaces may explain why so many of these textured surfaces have been painted.

When Total Replacement is Necessary

Complete replacement of the historic stucco with new stucco of either a traditional or modern mix will probably be necessary only in cases of extreme deterioration-- that is, a loss of bond on over 40-50 percent of the stucco surface. Another reason for total removal might be that the physical and visual integrity of the historic stucco has been so compromised by prior incompatible and ill-conceived repairs that patching would not be successful.

When stucco no longer exists on a building there is more flexibility in choosing a suitable mix for the replacement. Since compatibility of old and new stucco will not be an issue, the most important factors to consider are durability, color, texture and finish. Depending on the construction and substrate of the building, in some instances it may be acceptable to use a relatively strong cement-based stucco mortar. This is certainly true for many late-nineteenth and early-twentieth century buildings, and may even be appropriate to use on some stone substrates even if the original mortar would have been weaker, as long as the historic visual qualities noted above have been replicated. Generally, the best principle to follow for a masonry building is that the stucco mix, whether for repair or replacement of historic stucco, should be somewhat weaker than the masonry to which it is to be applied in order not to damage the substrate.

General Guidance for Historic Stucco Repair

A skilled professional plasterer will be familiar with the properties of materials involved in stucco repair and will be able to avoid some of the pitfalls that would hinder someone less experienced. General suggestions for successful stucco repair parallel those involving restoration and repair of historic mortar or plaster. In addition, the following principles are important to remember:

  • Mix only as much stucco as can be used in one and one-half to two hours. This will depend on the weather (mortar will harden faster under hot and dry, or sunny conditions); and experience is likely to be the best guidance. Any remaining mortar should be discarded; it should not be retempered.
  • Stucco mortar should not be over-mixed. (Hand mix for 10-15 minutes after adding water, or machine mix for 3-4 minutes after all ingredients are in mixer.) Over-mixing can cause crazing and discoloration, especially in tinted mortars. Over-mixing will also tend to make the mortar set too fast, which will result in cracking and poor bonding or keying to the lath or masonry substrate.
  • Wood lath or a masonry substrate, but not metal lath, must be thoroughly wetted before applying stucco patches so that it does not draw moisture out of the stucco too rapidly. To a certain extent, bonding agents also serve this same purpose. Wetting the substrate helps retard drying.
  • To prevent cracking, it is imperative that stucco not dry too fast. Therefore, the area to be stuccoed should be shaded, or even covered if possible, particularly in hot weather. It is also a good idea in hot weather to keep the newly stuccoed area damp, at approximately 90 per cent humidity, for a period of 48 to 72 hours.
  • Stucco repairs, like most other exterior masonry work, should not be undertaken in cold weather (below 40 degrees Fahrenheit, and preferably warmer), or if there is danger of frost.

Historic Stucco Textures

Most of the oldest stucco in the U.S. dating prior to the late-nineteenth century, will generally have a smooth, troweled finish (sometimes called a sand or float finish), possibly scored to resemble ashlar masonry units. Scoring may be incised to simulate masonry joints, the scored lines may be emphasized by black or white penciling, or the lines may simply be drawn or painted on the surface of the stucco. In some regions, at least as early as the first decades of the nineteenth century, it was not uncommon to use a roughcast finish on the foundation or base of an otherwise smooth-surfaced building. Roughcast was also used as an overall stucco finish for some outbuildings, and other less important types of structures.

 
This stucco house has a rough cast finish.

A wide variety of decorative surface textures may be found on revival style stucco buildings, particularly residential architecture. These styles evolved in the late-nineteenth century and peaked in popularity in the early decades of the twentieth century. Frank Lloyd Wright favored a smooth finish stucco, which was imitated on much of the Prairie style architecture inspired by his work. Some of the more picturesque surface textures include: English Cottage or English Cotswold finish; sponge finish; fan texture; adobe finish; and Spanish or Italian finish. Many of these finishes and countless other regional and personalized variations on them are still in use.

The most common early-twentieth century stucco finishes are often found on bungalow-style houses, and include: spatter or spatterdash (sometimes called roughcast, harling, or wetdash), and pebble-dash or drydash. The spatterdash finish is applied by throwing the stucco mortar against the wall using a whisk broom or a stiff fiber brush, and it requires considerable skill on the part of the plasterer to achieve a consistently rough wall surface. The mortar used to obtain this texture is usually composed simply of a regular sand, lime, and cement mortar, although it may sometimes contain small pebbles or crushed stone aggregate, which replaces one-half the normal sand content. The pebble-dash or drydash finish is accomplished manually by the plasterer throwing or "dashing" dry pebbles (about 1/8" to 1/4" in size), onto a coat of stucco freshly applied by another plasterer. The pebbles must be thrown at the wall with a scoop with sufficient force and skill that they will stick to the stuccoed wall. A more even or uniform surface can be achieved by patting the stones down with a wooden float. This finish may also be created using a texturing machine.


Stucco on historic buildings is especially vulnerable not only to the wear of time and exposure to the elements, but also at the hands of well-intentioned "restorers," who may want to remove stucco from eighteenth and nineteenth century structures, to expose what they believe to be the original or more "historic" brick, stone or log underneath. Historic stucco is a character-defining feature and should be considered an important historic building material, significant in its own right. While many eighteenth and nineteenth century buildings were stuccoed at the time of construction, others were stuccoed later for reasons of fashion or practicality. As such, it is likely that this stucco has acquired significance over time, as part of the history and evolution of a building. Thus, even later, non-historic stucco should be retained in most instances; and similar logic dictates that new stucco should not be applied to a historic building that was not stuccoed previously. When repairing historic stucco, the new stucco should duplicate the old as closely as possible in strength, composition, color and texture.
 

Septic Systems

Septic systems treat and disperse relatively small volumes of wastewater from individual or small numbers of homes and commercial buildings. Septic system regulation is usually a state, tribal, and local responsibility. EPA provides information to homeowners and assistance to state and local governments to improve the management of septic systems to prevent failures that could harm human health and water quality.      Information for Homeowners

If your septic tank failed, or you know someone whose did, you are not alone. As a homeowner, you are responsible for maintaining your septic system. Proper septic system maintenance will help keep your system from failing and will help maintain your investment in your home. Failing septic systems can contaminate the ground water that you or your neighbors drink and can pollute nearby rivers, lakes and coastal waters.

 Ten simple steps you can take to keep your septic system working properly.
  1. Locate your septic tank and drainfield. Keep a drawing of these locations in your records.
  2. Have your septic system inspected at least every three years.
  3. Pump your septic tank as needed (generally every three to five years).
  4. Don't dispose of household hazardous wastes in sinks or toilets.
  5. Keep other household items, such as dental floss, feminine hygiene products, condoms, diapers, and cat litter out of your system.
  6. Use water efficiently.
  7. Plant only grass over and near your septic system. Roots from nearby trees or shrubs might clog and damage the system. Also, do not apply manure or fertilizers over the drainfield.
  8. Keep vehicles and livestock off your septic system. The weight can damage the pipes and tank, and your system may not drain properly under compacted soil.
  9. Keep gutters and basement sump pumps from draining into or near your septic system.
  10. Check with your local health department before using additives. Commercial septic tank additives do not eliminate the need for periodic pumping and can be harmful to your system.
How does it work?    A typical septic system has four main components: a pipe from the home, a septic tank, a  drainfield, and the soil. Microbes in the soil digest or remove most contaminants from wastewater before it eventually reaches groundwater. The septic tank is a buried, watertight container typically made of concrete, fiberglass, or polyethylene. It holds the wastewater long enough to allow solids to settle out (forming sludge) and oil and grease to float to the surface (as scum). It also allows partial decomposition of the solid materials. Compartments and a T-shaped outlet in the septic tank prevent the sludge and scum from leaving the tank and traveling into the drainfield area. Screens are also recommended to keep solids from entering the drainfield. The wastewater exits the septic tank and is discharged into the drainfield for further treatment by the soil. Microorganisms in the soil provide final treatment by removing harmful bacteria, viruses, and nutrients.

Your septic system is your responsibility!

Did you know that as a homeowner you're responsible for maintaining your septic system? Did you know that maintaining your septic system protects your investment in your home? Did you know that you should periodically inspect your system and pump out your septic tank? If properly designed, constructed, and maintained, your septic system can provide long-term, effective treatment of household wastewater. If your septic system isn't maintained, you might need to replace it, costing you thousands of dollars. A malfunctioning system can contaminate groundwater that might be a source of drinking water. And if you sell your home, your septic system must be in good working order.   Pump frequently... You should have your septic system inspected at least every 3 years by a professional and your tank pumped as necessary (generally every 3 to 5 years).
Use water efficiently... Average indoor water use in the typical single-family home is almost 70 gallons per person per day. Dripping faucets can waste about 2,000 gallons of water each year. Leaky toilets can waste as much as 200 gallons each day. The more water a household conserves, the less water enters the septic system.
Flush responsibly...  Dental floss, feminine hygiene products, condoms, diapers, cotton swabs, cigarette butts, coffee grounds, cat litter, paper towels, and other kitchen and bathroom items can clog and potentially damage septic system components. Flushing household chemicals, gasoline, oil, pesticides, antifreeze and paint can stress or destroy the biological treatmen taking place in the system or might contaminate surface waters and groundwater.   How do I maintain my septic system?
  • Plant only grass over and near your septic system. Roots from nearby trees or shrubs might clog and damage the drainfield.
  • Don't drive or park vehicles on any part of your septic system. Doing so can compact the soil in your drainfield or damage the pipes, tank, or other septic system components.
  • Keep roof drains, basement sump pump drains, and other rainwater or surface water drainage systems away from the drainfield. Flooding the drainfield with excessive water slows down or stops treatment processes and can cause plumbing fixtures to back up. 
Why should I maintain my septic system?   A key reason to maintain your septic system is to save money! Failing septic systems are expensive to repair or replace, and poor maintenance is often the culprit. Having your septic system inspected (at least every 3 years) is a bargain when you consider the cost of replacing the entire system. Your system will need pumping every 3 to 5 years, depending on how many people live in the house and the size of the system. An unusable septic system or one in disrepair will lower your property's value and could pose a legal liability. Other good reasons for safe treatment of sewage include preventing the spread of infection an disease and protecting water resources. Typical pollutants in household wastewater are nitrogen phosphorus, and disease-causing bacteria and viruses. Nitrogen and phosphorus are aquati plant nutrients that can cause unsightly algae blooms. Excessive nitrate-nitrogen in drinking wate can cause pregnancy complications, as well as methemoglobinemia (also known as blue baby syndrome) in infancy. Pathogens can cause communicable diseases through direct or indirect body contact or ingestion of contaminated water or shellfish. If a septic system is working properly, it will effectively remove most of these pollutants.     The image  
 

Private Water Wells

If your family gets drinking water from a private well, do you know if your water is safe to drink? What health risks could you and your family face? Where can you go for help or advice? EPA regulates public water systems; it does not have the authority to regulate private drinking water wells. Approximately 15 percent of Americans rely on their own private drinking water supplies, and these supplies are not subject to EPA standards, although some state and local governments do set rules to protect users of these wells. Unlike public drinking water systems serving many people, they do not have experts regularly checking the water's source and its quality before it is sent to the tap. These households must take special precautions to ensure the protection and maintenance of their drinking water supplies.   Basic Information   There are three types of private drinking water wells: dug, driven, and drilled. Proper well construction and continued maintenance are keys to the safety of your water supply. Your state water-well contractor licensing agency, local health department, or local water system professional can provide information on well construction. The well should be located so rainwater flows away from it. Rainwater can pick up harmful bacteria and chemicals on the land's surface. If this water pools near your well, it can seep into it, potentially causing health problems. Water-well drillers and pump-well installers are listed in your local phone directory. The contractor should be bonded and insured. Make certain your ground water contractor is registered or licensed in your state, if required. If your state does not have a licensing/registration program contact the National Ground Water Association. They have a voluntary certification program for contractors. (In fact, some states use the Association's exams as their test for licensing.) For a list of certified contractors in your state contact the Association at (614) 898-7791 or (800) 551-7379. There is no cost for mailing or faxing the list to you.

 

 

 

 

To keep your well safe, you must be sure possible sources of contamination are not close by. Experts suggest the following distances as a minimum for protection - farther is better (see graphic on the right):

  • Septic Tanks, 50 feet
  • Livestock yards, Silos, Septic Leach Fields, 50 feet
  • Patroleum Tanks, Liquid-Tight Manure Storage and Fertilizer Storage and Handling, 100 feet
  • Manure Stacks, 250 feet

Many homeowners tend to forget the value of good maintenance until problems reach crisis levels. That can be expensive. It's better to maintain your well, find problems early, and correct them to protect your well's performance. Keep up-to-date records of well installation and repairs plus pumping and water tests. Such records can help spot changes and possible problems with your water system. If you have problems, ask a local expert to check your well construction and maintenance records. He or she can see if your system is okay or needs work.

Protect your own well area. Be careful about storage and disposal of household and lawn care chemicals and wastes. Good farmers and gardeners minimize the use of fertilizers and pesticides. Take steps to reduce erosion and prevent surface water runoff. Regularly check underground storage tanks that hold home heating oil, diesel, or gasoline. Make sure your well is protected from the wastes of livestock, pets, and wildlife.

  Dug Wells

Dug wells are holes in the ground dug by shovel or backhoe. Historically, a dug well was excavated below the groundwater table until incoming water exceeded the digger's bailing rate. The well was then lined (cased) with stones, brick, tile, or other material to prevent collapse. It was covered with a cap of wood, stone, or concrete. Since it is so difficult to dig beneath the ground water table, dug wells are not very deep. Typically, they are only 10 to 30 feet deep. Being so shallow, dug wells have the highest risk of becoming contaminated.To minimize the likelihood of contamination, your dug well should have certain features. These features help to prevent contaminants from traveling along the outside of the casing or through the casing and into the well.

Dug Well Construction Features

  • The well should be cased with a watertight material (for example, tongue-and-groove precast concrete) and a cement grout or bentoniteclay sealant poured along the outside of the casing to the top of the well.
  • The well should be covered by a concrete curband cap that stands about a foot above the ground.
  • The land surface around the well should be mounded so that surface water runs away from the well and is not allowed to pond around the outside of the wellhead.
  • Ideally, the pump for your well should be inside your home or in a separate pump house, rather than in a pit next to the well.

Land activities around a dug well can also contaminate it. While dug wells have been used as a household water supply source for many years, most are "relics" of older homes, dug before drilling equipment was readily available or when drilling was considered too expensive. If you have a dug well on your property and are using it for drinking water, check to make sure it is properly covered and sealed. Another problem relating to the shallowness of a dug well is that it may go dry during a drought when the ground water table drops.

  Driven Wells     Like dug wells, driven wells pull water from the water-saturated zone above the bedrock. Driven wells can be deeper than dug wells. They are typically 30 to 50 feet deep and are usually located in areas with thick sand and gravel deposits where the ground water table is within 15 feet of the ground's surface. In the proper geologic setting, driven wells can be easy and relatively inexpensive to install. Although deeper than dug wells, driven wells are still relatively shallow and have a moderate-to-high risk of contamination from nearby land activities.

 

Driven Well Construction Features

  • Assembled lengths of two inches to three inches diameter metal pipes are driven into the ground. Ascreened "well point" located at the end of the pipe helps drive the pipe through the sand and gravel. The screen allows water to enter the well and filters out sediment.
  • The pump for the well is in one of two places: on top ofthe well or in the house. An access pit is usually dug around the well down to the frost line and a water dis-charge pipe to the house is joined to the well pipe with a fitting.
  • The well and pit are capped with the same kind of large-diameter concrete tile used for a dug well. The access pit may be cased with pre-cast concrete.

To minimize this risk, the well cover should be a tight-fitting concrete curb and cap with no cracks and should sit about a foot above the ground. Slope the ground away from the well so that surface water will not pond around the well. If there's a pit above the well, either to hold the pump or to access the fitting, you may also be able to pour a grout sealant along the outside of the well pipe. Protecting the water quality requires that you maintain proper well construction and monitor your activities around the well. It is also important to follow the same land use precautions around the driven well as described under dug wells.

  Graphic of a Drilled WellDrilled Wells

Drilled wells penetrate about 100-400 feet into the bedrock. Where you find bedrock at the surface, it is commonly called ledge. To serve as a water supply, a drilled well must intersect bedrock fractures containing ground water.

Drilled Well Construction Features
  • The casing is usually metal or plastic pipe, six inches in diameter that extends into the bedrock to prevent shallow ground water from entering the well. By law, the casing has to extend at least 18 feet into the ground, with at least five feet extending into the bedrock. The casing should also extend a foot or two above the ground's surface. A sealant, such as cement grout or bentonite clay, should be poured along the outside of the casing to the top of the well. The well is capped to prevent surface water from entering the well.
  • Submersible pumps, located near the bottom of the well, are most commonly used in drilled wells. Wells with a shallow water table may feature a jet pump located inside the home. Pumps require special wiring and electrical service. Well pumps should be installed and serviced by a qualified professional registered with your state.
  • Most modern drilled wells incorporate a pitless adapter designed to provide a sanitary seal at the point where the discharge water line leaves the well to enter your home. The device attaches directly to the casing below the frost line and provides a watertight subsurface connection, protecting the well from frost and contamination.
  • Older drilled wells may lack some of these sanitary features. The well pipe used was oftene ight-, 10- or 12- inches in diameter, and covered with a concrete well cap either at or below the ground's surface. This outmoded type of construction does not provide the same degree of protection from surface contamination. Also, older wells may not have a pitless adapter to provide a seal at the point of discharge from the well.

Hydrofracting A Drilled Well

 

Hydrofracting is a process that applies water or air under pressure into your well to open up existing fractures near your well and can even create new ones. Often this can increase the yield of your well. This process can be applied to new wells with insufficient yield and to improve the quantity of older wells.

How can I test the quality of my private drinking water supply? 

Consider testing your well for pesticides, organic chemicals, and heavy metals before you use it for the first time. Test private water supplies annually for nitrate and coliform bacteria to detect contamination problems early. Test them more frequently if you suspect a problem. Be aware of activities in your watershed that may affect the water quality of your well, especially if you live in an unsewered area.   Human Health

The first step to protect your health and the health of your family is learning about what may pollute your source of drinking water. Potential contamination may occur naturally, or as a result of human activity.

What are Some Naturally Occurring Sources of Pollution?
  • Microorganisms: Bacteria, viruses, parasites and other microorganisms are sometimes found in water. Shallow wells - those with water close to ground level - are at most risk. Runoff, or water flowing over the land surface, may pick up these pollutants from wildlife and soils. This is often the case after flooding. Some of these organisms can cause a variety of illnesses. Symptoms include nausea and diarrhea. These can occur shortly after drinking contaminated water. The effects could be short-term yet severe (similar to food poisoning) or might recur frequently or develop slowly over a long time.
  • Radionuclides: Radionuclides are radioactive elements such as uranium and radium. They may be present in underlying rock and ground water
  • Radon: Radon is a gas that is a natural product of the breakdown of uranium in the soil - can also pose a threat. Radon is most dangerous when inhaled and contributes to lung cancer. Although soil is the primary source, using household water containing Radon contributes to elevated indoor Radon levels. Radon is less dangerous when consumed in water, but remains a risk to health.
  • Nitrates and Nitrites: Although high nitrate levels are usually due to human activities (see below), they may be found naturally in ground water. They come from the breakdown of nitrogen compounds in the soil. Flowing ground water picks them up from the soil. Drinking large amounts of nitrates and nitrites is particularly threatening to infants (for example, when mixed in formula).
  • Heavy Metals: Underground rocks and soils may contain arsenic, cadmium, chromium, lead, and selenium. However, these contaminants are not often found in household wells at dangerous levels from natural sources.
  • Fluoride: Fluoride is helpful in dental health, so many water systems add small amounts to drinking water. However, excessive consumption of naturally occurring fluoride can damage bone tissue. High levels of fluoride occur naturally in some areas. It may discolor teeth, but this is not a health risk.

What Human Activities Can Pollute Ground Water?


  • Septic tanks are designed to have a "leach field" around them an area where wastewater flows out of the tank. This wastewater can also move into the ground water.
    Bacteria and Nitrates: These pollutants are found in human and animal wastes. Septic tanks can cause bacterial and nitrate pollution. So can large numbers of farm animals. Both septic systems and animal manures must be carefully managed to prevent pollution. Sanitary landfills and garbage dumps are also sources. Children and some adults are at extra risk when exposed to water-born bacteria. These include the elderly and people whose immune systems are weak due to AIDS or treatments for cancer. Fertilizers can add to nitrate problems. Nitrates cause a health threat in very young infants called "blue baby" syndrome. This condition disrupts oxygen flow in the blood.
  • Concentrated Animal Feeding Operations (CAFOs): The number of CAFOs, often called "factory farms," is growing. On these farms thousands of animals are raised in a small space. The large amounts of animal wastes/manures from these farms can threaten water supplies. Strict and careful manure management is needed to prevent pathogen and nutrient problems. Salts from high levels of manures can also pollute ground water.
  • Heavy Metals: Activities such as mining and construction can release large amounts of heavy metals into nearby ground water sources. Some older fruit orchards may contain high levels of arsenic, once used as a pesticide. At high levels, these metals pose a health risk.
  • Fertilizers and Pesticides: Farmers use fertilizers and pesticides to promote growth and reduce insect damage. These products are also used on golf courses and suburban lawns and gardens. The chemicals in these products may end up in ground water. Such pollution depends on the types and amounts of chemicals used and how they are applied. Local environmental conditions (soil types, seasonal snow and rainfall) also affect this pollution. Many fertilizers contain forms of nitrogen that can break down into harmful nitrates. This could add to other sources of nitrates mentioned above. Some underground agricultural drainage systems collect fertilizers and pesticides. This polluted water can pose problems to ground water and local streams and rivers. In addition, chemicals used to treat buildings and homes for termites or other pests may also pose a threat. Again, the possibility of problems depends on the amount and kind of chemicals. The types of soil and the amount of water moving through the soil also play a role.
  • Industrial Products and Wastes: Many harmful chemicals are used widely in local business and industry. These can become drinking water pollutants if not well managed. The most common sources of such problems are:
    • Local Businesses: These include nearby factories, industrial plants, and even small businesses such as gas stations and dry cleaners. All handle a variety of hazardous chemicals that need careful management. Spills and improper disposal of these chemicals or of industrial wastes can threaten ground water supplies.
    • Leaking Underground Tanks & Piping: Petroleum products, chemicals, and wastes stored in underground storage tanks and pipes may end up in the ground water. Tanks and piping leak if they are constructed or installed improperly. Steel tanks and piping corrode with age. Tanks are often found on farms. The possibility of leaking tanks is great on old, abandoned farm sites. Farm tanks are exempt from the EPA rules for petroleum and chemical tanks.
    • Landfills and Waste Dumps: Modern landfills are designed to contain any leaking liquids. But floods can carry them over the barriers. Older dumpsites may have a wide variety of pollutants that can seep into ground water.
  • Household Wastes: Improper disposal of many common products can pollute ground water. These include cleaning solvents, used motor oil, paints, and paint thinners. Even soaps and detergents can harm drinking water. These are often a problem from faulty septic tanks and septic leaching fields.
  • Lead & Copper: Household plumbing materials are the most common source of lead and copper in home drinking water. Corrosive water may cause metals in pipes or soldered joints to leach into your tap water. Your water's acidity or alkalinity (often measured as pH) greatly affects corrosion. Temperature and mineral content also affect how corrosive it is. They are often used in pipes, solder, or plumbing fixtures. Lead can cause serious damage to the brain, kidneys, nervous system, and red blood cells. The age of plumbing materials - in particular, copper pipes soldered with lead - is also important. Even in relatively low amounts these metals can be harmful. EPA rules under the Safe Drinking Water Act limit lead in drinking water to 15 parts per billion. Since 1988 the Act only allows "lead free" pipe, solder, and flux in drinking water systems. The law covers both new installations and repairs of plumbing.
 What You Can Do...

 

 

Private, individual wells are the responsibility of the homeowner. To help protect your well, here are some steps you can take:

Have your water tested periodically. It is recommended that water be tested every year for total coliform bacteria, nitrates, total dissolved solids, and pH levels. If you suspect other contaminants, test for those. Always use a state certified laboratory that conducts drinking water tests. Since these can be expensive, spend some time identifying potential problems.

Testing more than once a year may be warranted in special situations:

  • someone in your household is pregnant or nursing
  • there are unexplained illnesses in the family
  • your neighbors find a dangerous contaminant in their water
  • you note a change in water taste, odor, color or clarity
  • there is a spill of chemicals or fuels into or near your well
  • when you replace or repair any part of your well system

Identify potential problems as the first step to safeguarding your drinking water. The best way to start is to consult a local expert, someone that knows your area, such as the local health department, agricultural extension agent, a nearby public water system, or a geologist at a local university.

Be aware of your surroundings. As you drive around your community, take note of new construction. Check the local newspaper for articles about new construction in your area.

Check the paper or call your local planning or zoning commission for announcements about hearings or zoning appeals on development or industrial projects that could possibly affect your water.

Attend these hearings, ask questions about how your water source is being protected, and don't be satisfied with general answers. Make statements like "If you build this landfill, (just an example) what will you do to ensure that my water will be protected." See how quickly they answer and provide specifics about what plans have been made to specifically address that issue.

Identify Potential Problem Sources

To start your search for potential problems, begin close to home. Do a survey around your well:

  • is there livestock nearby?
  • are pesticides being used on nearby agricultural crops or nurseries?
  • do you use lawn fertilizers near the well?
  • is your well "downstream" from your own or a neighbor's septic system?
  • is your well located near a road that is frequently salted or sprayed with de-icers during winter months?
  • do you or your neighbors dispose of household wastes or used motor oil in the backyard, even in small amounts?

If any of these items apply, it may be best to have your water tested and talk to your local public health department or agricultural extension agent to find way to change some of the practices which can affect your private well.

  In addition to the immediate area around your well, you should be aware of other possible sources of contamination that may already be part of your community or may be moving into your area. Attend any local planning or appeal hearings to find out more about the construction of facilities that may pollute your drinking water. Ask to see the environmental impact statement on the project. See if underground drinking water sources has been addressed. If not, ask why.

 

Common Sources of Potiental Ground Water Contamination

 

CategoryContaminant Source
Agricultural
  • Animal burial areas
  • Drainage fields/wells
  • Animal feedlots
  • Irrigation sites
  • Fertilizer storage/use
  • Manure spreading areas/pits, lagoons
  • Pesticide storage/use

 

Commercial
  • Airports
  • Jewelry/metal plating
  • Auto repair shops
  • Laundromats
  • Boatyards
  • Medical institutions
  • Car washes
  • Paint shops
  • Construction areas
  • Photography establishments
  • Cemeteries Process waste water drainage
  • Dry cleaners fields/wells
  • Gas stations
  • Railroad tracks and yards
  • Gulf courses
  • Research laboratories
  • Scrap and junkyards
  • Storage tanks
Industrial
  • Asphalt plants
  • Petroleum production/storage
  • Chemical manufacture/storage
  • Pipelines
  • Electronic manufacture
  • Process waste water drainage
  • Electroplaters fields/wells
  • Foundries/metal fabricators
  • Septage lagoons and sludge
  • Machine/metalworking shops
  • Storage tanks
  • Mining and mine drainage
  • Toxic and hazardous spills
  • Wood preserving facilities

 

Residential
  • Fuel Oil
  • Septic systems, cesspools
  • Furniture stripping/refinishing
  • Sewer lines
  • Household hazardous products
  • Swimming pools (chemicals)
  • Household lawns
Other
  • Hazardous waste landfills
  • Recycling/reduction facilities
  • Municipal incinerators
  • Road deicing operations
  • Municipal landfills
  • Road maintenance depots
  • Municipal sewer lines
  • Storm water drains/basins/wells
  • Open burning sites
  • Transfer stations

 

Home Insurance Tips Why You Need Homeowner's Insurance
The largest single investment most consumers make is in their home. The consumer can protect their home, possessions, and liability with a homeowners's insurance policy. The Homeowner's insurance policy is a package policy that combines more than one type of insurance coverage in a single policy. There are four types of coverages that are contained in the homeowner's policy: dwelling and personal property, personal liability, medical payments, and additional living expenses.
  Property Damage Coverage
Property damage coverage helps pay for damage to your home and personal property. Other structures such as a detached garage, a tool shed, or any other building on your property are usually covered for 10% of the amount of coverage on your house.
  Personal property coverage will pay for personal property including household furniture, clothing, and other personal belongings. The amount of insurance coverage is usually 50% of the policy limit on your dwelling. The coverage is also limited by the types of loss listed in the policy. The coverage only pays the current cash value of the item destroyed, unless you purchase replacement cost coverage. Your homeowner's policy also provides off-premises coverage. This means that the policy covers your belongings against theft even when they are not inside your home.
  Personal Liability Coverage
Homeowner's policies provide personal liability coverage that applies to non-auto accidents on and off your property if the injury or damage is cased by you, a member of your family, or your pet. The liability coverage in your policy pays both for the cost of defending you and paying for any damages the court rules you must pay. Liability insurance does not have a deductable that you must meet before your insurer begins to pay losses. The basic liability coverage is usually $100,000 for each occurance. You can request higher limits that are available for an additional cost.
  Medical Payments Coverage  
Medical payment coverage pays if someone outside your family is injured at your home regardless of fault. This includes payment for reasonable medical expenses incurred within one year from the date of loss for a person who is injured in an accident in your home. The coverage does not apply to ypu and members of your household. The medical payments portion of your homeowner's policy will also pay if you are involved in the injury of another person away from your home in some limited circumstances. Medical payments coverage limits are generally $1,000 for each person.   Additional Living Expenses
If it is necessary for you to move into a motel or apartment temporarily because of damage caused by a peril covered in your policy, your insurance company will pay an amount up to 20% of the policy limit on your dwelling for these expenses. If you move in temporarily with a friend or relative and do not have any extra expenses, you will not be paid any addditional living expenses by your insurance company.
  Home Business
If you operate a home business full or part time you might be uninsured and not realize it. Many home business owners believe that their homeowner's insurance policy covers all of their home business needs. You should not assume that your homeowner's insurance policy will cover your home business. Your homeowner's policy may provide coverage but probably only a maximum of $2,500 for business equipment in the home and $250 away from the premises.   The price you pay for your homeowners insurance can vary by hundreds of dollars, depending on the insurance company you buy your policy from. Here are some things to consider when buying homeowners insurance.
  1. Shop around
It will take some time, but could save you a good sum of money. Ask your friends, check the Yellow Pages or contact your state insurance department. National Association of Insurance Commissioners (www.naic.org) has information to help you choose an insurer in your state, including complaints. States often make information available on typical rates charged by major insurers and many states provide the frequency of consumer complaints by company. Also check consumer guides, insurance agents, companies and online insurance quote services. This will give you an idea of price ranges and tell you which companies have the lowest prices. But don't consider price alone. The insurer you select should offer a fair price and deliver the quality service you would expect if you needed assistance in filing a claim. So in assessing service quality, use the complaint information cited above and talk to a number of insurers to get a feeling for the type of service they give. Ask them what they would do to lower your costs. Check the financial stability of the companies you are considering with rating companies such as A.M. Best (www.ambest.com) and Standard & Poor's (www.standardandpoors.com) and consult consumer magazines. When you've narrowed the field to three insurers, get price quotes.
  2. Raise your deductible
Deductibles are the amount of money you have to pay toward a loss before your insurance company starts to pay a claim, according to the terms of your policy. The higher your deductible, the more money you can save on your premiums. Nowadays, most insurance companies recommend a deductible of at least $500. If you can afford to raise your deductible to $1,000, you may save as much as 25 percent. Remember, if you live in a disaster-prone area, your insurance policy may have a separate deductible for certain kinds of damage. If you live near the coast in the East, you may have a separate windstorm deductible; if you live in a state vulnerable to hail storms, you may have a separate deductible for hail; and if you live in an earthquake-prone area, your earthquake policy has a deductible.
  3. Don't confuse what you paid for your house with rebuilding costs
The land under your house isn't at risk from theft, windstorm, fire and the other perils covered in your homeowners policy. So don't include its value in deciding how much homeowners insurance to buy. If you do, you will pay a higher premium than you should.
  4. Buy your home and auto policies from the same insurer
Some companies that sell homeowners, auto and liability coverage will take 5 to 15 percent off your premium if you buy two or more policies from them. But make certain this combined price is lower than buying the different coverages from different companies.
  5. Make your home more disaster resistant
Find out from your insurance agent or company representative what steps you can take to make your home more resistant to windstorms and other natural disasters. You may be able to save on your premiums by adding storm shutters, reinforcing your roof or buying stronger roofing materials. Older homes can be retrofitted to make them better able to withstand earthquakes. In addition, consider modernizing your heating, plumbing and electrical systems to reduce the risk of fire and water damage.
  6. Improve your home security
You can usually get discounts of at least 5 percent for a smoke detector, burglar alarm or dead-bolt locks. Some companies offer to cut your premium by as much as 15 or 20 percent if you install a sophisticated sprinkler system and a fire and burglar alarm that rings at the police, fire or other monitoring stations. These systems aren't cheap and not every system qualifies for a discount. Before you buy such a system, find out what kind your insurer recommends, how much the device would cost and how much you'd save on premiums.
  7. Seek out other discounts
Companies offer several types of discounts, but they don't all offer the same discount or the same amount of discount in all states. For example, since retired people stay at home more than working people they are less likely to be burglarized and may spot fires sooner, too. Retired people also have more time for maintaining their homes. If you're at least 55 years old and retired, you may qualify for a discount of up to 10 percent at some companies. Some employers and professional associations administer group insurance programs that may offer a better deal than you can get elsewhere.
  8. Maintain a good credit record
Establishing a solid credit history can cut your insurance costs. Insurers are increasingly using credit information to price homeowners insurance policies. In most states, your insurer must advise you of any adverse action, such as a higher rate, at which time you should verify the accuracy of the information on which the insurer relied. To protect your credit standing, pay your bills on time, don't obtain more credit than you need and keep your credit balances as low as possible. Check your credit record on a regular basis and have any errors corrected promptly so that your record remains accurate.
  9. Stay with the same insurer
If you've kept your coverage with a company for several years, you may receive a special discount for being a long-term policyholder. Some insurers will reduce their premiums by 5 percent if you stay with them for three to five years and by 10 percent if you remain a policyholder for six years or more. But make certain to periodically compare this price with that of other policies.
  10. Review the limits in your policy and the value of your possessions at least once a year
You want your policy to cover any major purchases or additions to your home. But you don't want to spend money for coverage you don't need. If your five-year-old fur coat is no longer worth the $5,000 you paid for it, you'll want to reduce or cancel your floater (extra insurance for items whose full value is not covered by standard homeowners policies such as expensive jewelry, high-end computers and valuable art work) and pocket the difference.
  11. Look for private insurance if you are in a government plan
If you live in a high-risk area -- say, one that is especially vulnerable to coastal storms, fires, or crime -- and have been buying your homeowners insurance through a government plan, you should check with an insurance agent or company representative or contact your state department of insurance for the names of companies that might be interested in your business. You may find that there are steps you can take that would allow you to buy insurance at a lower price in the private market.
  12. When you're buying a home, consider the cost of homeowners insurance
You may pay less for insurance if you buy a house close to a fire hydrant or in a community that has a professional rather than a volunteer fire department. It may also be cheaper if your home's electrical, heating and plumbing systems are less than 10 years old. If you live in the East, consider a brick home because it's more wind resistant. If you live in an earthquake-prone area, look for a wooden frame house because it is more likely to withstand this type of disaster. Choosing wisely could cut your premiums by 5 to 15 percent.
  Check the CLUE (Comprehensive Loss Underwriting Exchange) report of the home you are thinking of buying. These reports contain the insurance claim history of the property and can help you judge some of the problems the house may have. Remember that flood insurance and earthquake damage are not covered by a standard homeowners policy. If you buy a house in a flood-prone area, you'll have to pay for a flood insurance policy that costs an average of $400 a year. The Federal Emergency Management Agency provides useful information on flood insurance on its Web site at www.fema.gov/nfip. A separate earthquake policy is available from most insurance companies. The cost of the coverage will depend on the likelihood of earthquakes in your area.
  If you have questions about insurance for any of your possessions, be sure to ask your agent or company representative when you're shopping around for a policy. For example, if you run a business out of your home, be sure to discuss coverage for that business. Most homeowners policies cover business equipment in the home, but only up to $2,500 and they offer no business liability insurance. Although you want to lower your homeowners insurance cost, you also want to make certain you have all the coverage you need.
  Common Questions Asked by Homeowners about Insurance
If a fire, flood, earthquake, or some other natural disaster were to destroy or damage your home, would you have the right insurance coverage to rebuild your house? Based on the questions consumers most frequently ask, this explains what is covered in a standard homeowners policy and what is not. Where gaps in coverage exist, it tells you how to fill them. To simplify explanations, assume that you have a policy known as Homeowners-3 (HO-3), the most common homeowners policy in the United States. Find out what type of homeowners policy you have. If you have a different policy, you should review your options in question #17.
# 1: Am I covered for direct losses due to fire, lightning, tornadoes, wind storms, hail, explosions, smoke, vandalism and theft?
Yes. The HO-3 provides broad coverage for these and other disasters or "perils," as they are called in the policy, including all those listed in the question. You should check the dollar limits of insurance in your policy and make sure you are comfortable with the amount of insurance you have for specific items. Also, if you live near the Atlantic or Gulf coasts there may be some restrictions on your coverage for wind damage. Ask your agent about windstorm/hurricane deductibles. In areas prone to hailstorms, you may have a specific hail damage deductible.
  # 2: Are my jewelry and other valuables covered?
The standard policy provides only from $1,000 to $2,000 for theft of jewelry. If your jewelry is worth a lot more, you should purchase higher limits. You may wish to add a floater to your policy to cover specific pieces of jewelry and other expensive possessions such as paintings, electronic equipment, stamp collections or silverware, for example. The floater will provide both higher limits and protect you from additional risks, not covered in your normal policy.
  # 3: If my house is totally destroyed in a fire and I have $150,000 worth of insurance to cover the structure, will this be enough to rebuild my home?
If the cost of rebuilding your home is equal to or less than $150,000 you would have enough coverage. The HO-3 policy pays for structural damage on a replacement cost basis. If the cost of replacing your home is, say, $120,000, then that is all the insurance you need. On the other hand if the cost of rebuilding your home is $180,000, then you will be short $30,000.
  If you live in an area that is frequently hit by major storms, ask you insurance company about an extended or guaranteed replacement cost policy. This will provide a certain amount over the policy limit to rebuild your home so that if building costs go up unexpectedly, due to high demand for contractors and materials, you will have extra funds to cover the bill.
  If you choose not to rebuild your home, you will receive the replacement cost of your home, less depreciation. This is called actual cash value. You should make sure that the amount of insurance you have will cover the cost of rebuilding your house. You can find out what this cost is by talking to your real estate agent or builders in your area.
  Do not use the price of your house as the basis for the amount of insurance you purchase. The market price of your house includes the value of the land on which the house is situated. In almost all cases, the land will still be there after a disaster, so you do not need to insure it. You only need to insure the structure.
  # 4: Am I covered for flood damage?
No. If you live in a flood-prone area it may be wise to purchase flood insurance. Flood insurance is provided by the federal government, under a program run by the Federal Insurance Administration. In some parts of the country, homes can be damaged or destroyed by mudslides. This risk is also covered under flood policies. Contact your agent or company representative to get this insurance or call the Federal Emergency Management Agency at 1-800-427-4661 or visit its Web site at www.fema.gov.
  # 5: A pipe bursts and water flows all over my floors. Am I covered?
Yes. The HO-3 covers you for accidental discharge of water from a plumbing system. You should check your plumbing and heating systems once a year. While you are covered for damage, who needs the mess and hassle?
  # 6: What if water seeps into my basement from the ground, am I covered?
No. Water seepage is excluded under the HO-3. And if the water seepage is not due to a flood you will not be covered under a flood policy. Seepage is viewed as a maintenance issue and is not covered by insurance. You should see a contractor about waterproofing your basement.
  # 7: Am I covered for earthquake damage?
No. Earthquake coverage is sold as additional coverage to the homeowners policy. To find out whether you should buy this insurance, talk to your agent or company representative. The cost of this coverage can vary significantly from one area to another, depending on the likelihood of a major earthquake.
  # 8: A neighbor slips on my sidewalk or falls down my porch steps and threatens to take me to court for damages. Does my policy protect me?
  Yes. The policy will pay for damages, if a fall or other accident on your property is the result of your negligence. It will also pay for the legal costs of defending you against a claim. Also, the medical payments part of your homeowners policy will cover medical expenses, if a neighbor or guest is injured on your property. You should check to see how much liability protection you have. The standard amount is $100,000. If you feel you need more, consider purchasing higher limits.
  # 9: A tree falls and damages my roof during a storm. Am I covered?
Yes. You are covered for the damage to your roof. You are also covered for the removal of the tree, generally up to a $500 limit. You should cut down dead or dying trees close to your house and prune branches that are near your house. It's true that your insurance covers damage, but falling trees and branches can also injure your family.
  # 10: During a storm, a tree falls but does no damage to my property. Am I covered for the cost of removing the tree?
  Your trees and shrubs are covered for losses due to risks like vandalism, theft and fire, but not wind damage. However, if a fallen tree blocks access to your home you may be covered for its removal. Decide if you need extra insurance for the trees, plants and shrubs on your property. You may be able to purchase extra insurance, which will not only cover the cost of removing fallen trees, but will also cover the cost of replacing trees, and other plants.
  # 11: If a storm causes a power outage and all the food in my refrigerator or freezer is spoiled and must be thrown out, can I make a claim?
The general answer is no. However, there are a number of exceptions. In some states, food spoilage is covered under the homeowners policy. In addition, if the power loss is due to a break in a power line on or close to your property, you may be covered. You should check with your agent to find out whether you are covered for food spoilage in your state. If not, you can add food spoilage coverage to your policy for an additional premium.
  # 12: I have children away at college. Are they covered by my homeowners insurance?
If they're full-time college students and part of your household, your insurance generally provides some coverage in a dorm, typically 10 percent of the contents limit. If they live off campus, some companies may not provide this limited coverage if the apartment is rented in the student's name.
  # 13: My golf clubs are stolen from the trunk of my car. Does my homeowners policy cover the loss?
  Yes. The HO-3 covers your personal property while it is anywhere in the world. However, if your golf clubs are old, you will only get their current value, which may not be enough to purchase a new set. Consider buying a replacement cost endorsement for your personal property. This way you will get what it costs to replace the golf clubs, less the applicable deductible.
  # 14: I have a small power boat. If it is stolen, am I covered? What if there is a boating accident and I get sued? Am I covered for that?
  Whether or not you are covered for either theft or liability depends on the size of the boat, the horsepower of the engine and your insurance company. Coverage for small boats under homeowners policies varies significantly. Ask your insurance representative whether you need a Boat owners policy.
  # 15: My house is close to the ocean. I've heard that if it is destroyed by the wind, the town's new building code requires me to rebuild the house on stilts. This will add $30,000 to the cost of rebuilding my house. Am I covered for this extra cost?
No. The HO-3 excludes costs caused by ordinances or laws that regulate the construction of buildings. You can purchase an Ordinance or Law endorsement. This will cover the extra costs involved in meeting new building codes.
  # 16: Am I covered for "Acts of God"?
Sometimes. The term "Acts of God" is not specifically mentioned in homeowners insurance policies. It usually refers to natural disasters like hurricanes and tornadoes, as opposed to man-made acts, like theft and auto accidents. Some natural disasters, such as damage from windstorms, hail, lightning and volcanic eruptions, are covered under homeowners insurance. Damage from floods and earthquakes is not.
  # 17: What should I do if my policy provides less coverage than the HO-3?
Review your coverage with your agent. Some older policies provide less coverage than the HO-3. They may not provide coverage for water damage, theft, or liability. They may also provide coverage for the house on an actual cash value basis, rather than a replacement cost basis.
  Actual Cash Value means replacement cost less depreciation. For example, if your roof is destroyed in a storm, the insurance will only pay for the cost of a new roof less the amount of depreciation of the old roof. If your roof was in great shape, this deduction will not be large. However, if the roof was old and worn out, the deduction for depreciation may be significant. You should try to get an HO-3.

 

Elements of an Energy Efficient House

Designing and building an energy-efficient home that conforms to the many considerations faced by home builders can be a challenge. However, any house style can be made to require relatively minimal amounts of energy to heat and cool, and be comfortable and healthy. It's easier now to get your architect and builder to use improved designs and construction methods. Even though there are many different design options available, they all have several things in common: a high R-value, tightly sealed thermal envelope; controlled ventilation; and lower than usual heating and cooling bills.
  Some designs are more expensive to build than others, but none of them need to be extremely expensive to construct. Recent technological improvements in building elements and construction techniques, and heating, ventilation, and cooling systems, allow most modern energy saving ideas to be seamlessly integrated into any type of house design without sacrificing comfort, health, or aesthetics. The following is a discussion of the major elements of energy-efficient home design and construction systems.
  The Thermal Envelope
A "thermal envelope" is everything about the house that serves to shield the living space from the outdoors. It includes the wall and roof assemblies, insulation, windows, doors, finishes, weather-stripping, and air/vapor retarders. Specific items to consider in these areas are described below.
  Wall and Roof Assemblies
There are several alternatives to the conventional "stick" (wood stud) framed wall and roof construction now available and growing in popularity. They include:
  • Optimum Value Engineering (OVE)
This is a method of using wood only where it does the most work, thus reducing costly wood use and saving space for insulation. However, workmanship must be of the highest order since there is very little room for construction errors.
  • Structural Insulated Panels (SIP)
These are generally plywood or oriented strand board (OSB) sheets laminated to a core of foam board. The foam may be 4 to 8 inches thick. Since the SIP acts as both the framing and the insulation, construction is much faster than OVE or it's older counterpart "stick-framing." The quality of construction is often superior too since there are fewer places for workers to make mistakes.
  • Insulating Concrete Forms (ICF)
These often consist of two layers of extruded foam board (one inside the house and one outside the house) that act as the form for a steel reinforced concrete center. This is the fastest and least likely technique to have construction mistakes. Such buildings are also very strong and easily exceed code requirements for tornado or hurricane prone areas.
  Insulation
An energy-efficient house has much higher insulation R-values than required by most local building codes. For example, a typical house in New York State might have haphazardly installed R-11 fiberglass insulation in the exterior walls and R-19 in the ceiling, and the floors and foundation walls may not be insulated. A similar, but well-designed and constructed house's insulation levels would be in the range of R-20 to R-30 in the walls (including the foundation) and R-50 and R-70 in the ceilings. Carefully applied fiberglass batt or roll, wet-spray cellulose, or foam insulations will fill wall cavities completely.
  Air / Vapor Retarders
These are two things that sometimes can do the same job. How to design and install them depends a great deal on the climate and what method of construction is chosen. No matter where you are building, water vapor condensation is a major threat to the structure of a house. In cold climates, pressure differences can drive warm, moist indoor air into exterior walls and attics. It condenses as it cools. The same can be said for very Southern climates, just in reverse. As the humid outdoor air enters the walls to find cooler wall cavities it condenses into liquid water. This is the main reason why some of the old buildings in the South that have been retrofitted with air conditioners now have mold and rotten wood problems.
  Regardless of your climate, it is important to minimize water vapor migration by using a carefully designed thermal envelope and sound construction practices. Any water vapor that does manage to get into the walls or attics must be allowed to get out again. Some construction methods and climates lend themselves to allowing the vapor to flow towards the outdoors. Others are better suited to letting it flow towards the interior so that the house ventilation system can deal with it.
  The Airtight Drywall Approach and the Simple CS system are other methods to control air and water vapor movement in a residential building. These systems rely on the nearly airtight installation of sheet materials such as drywall or gypsum board on the interior as the main barrier, and carefully sealed foam board and/or plywood on the exterior.
  Foundations and Slabs
Foundation walls and slabs should be at least as well insulated as the living space walls. Uninsulated foundations have a negative impact on home energy use and comfort, especially if the family uses the lower parts of the house as a living space. Also, appliances that supply heat as a by-product, such as domestic hot water heaters, washers, dryers, and freezers, are often located in basements. By carefully insulating the foundation walls and floor of the basement, these appliances can assist in the heating of the house.
  Windows
The typical home loses over 25% of its heat through windows. Since even modern windows insulate less than a wall, in general an energy-efficient home in heating dominated climates should have few windows on the north, east, and west exposures. A rule-of-thumb is that window area should not exceed 8-9% of the floor area, unless your designer is experienced in passive solar techniques. If this is the case, then increasing window area on the southern side of the house to about 12% of the floor area is recommended. In cooling dominated climates, its important to select east, west, and south facing windows with low solar heat gain coefficients (these block solar heat gain). A properly designed roof overhang for south-facing windows is important to avoid overheating in the summer in most areas of the continental United States. At the very least, Energy Star rated windows or their equivalents, should be specified according to the Energy Star regional climatic guidelines.
  In general, the best sealing windows are awning and casement styles since these often close tighter than sliding types. Metal window frames should be avoided, especially in cold climates. Always seal the wall air/vapor diffusion retarder tightly around the edges of the window frame to prevent air and water vapor from entering the wall cavities.
  Air-Sealing
A well-constructed thermal envelope requires that insulating and sealing be precise and thorough. Sealing air leaks everywhere in the thermal envelope reduces energy loss significantly. Good air-sealing alone may reduce utility costs by as much as 50% when compared to other houses of the same type and age. Homes built in this way are so energy-efficient that specifying the correct sizing heating/ cooling system can be tricky. Rules-of-thumb system sizing is often inaccurate, resulting in oversizing and wasteful operation.
  Controlled Ventilation
Since an energy-efficient home is tightly sealed, it's also important and fairly simple to deliberately ventilate the building in a controlled way. Controlled, mechanical ventilation of the building reduces air moisture infiltration and thus the health risks from indoor air pollutants, promotes a more comfortable atmosphere, and reduces the likelihood of structural damage from excessive moisture accumulation.
  A carefully engineered ventilation system is important for other reasons too. Since devices such as furnaces, water heaters, clothes dryers, and bathroom and kitchen exhaust fans exhaust air from the house, it's easier to depressurize a tight house if all else is ignored. Natural draft appliances, such as water heaters, wood stoves, and furnaces may be "back drafted" by exhaust fans and lead to a lethal build-up of toxic gases in the house. For this reason it's a good idea to only use "sealed combustion" heating appliances wherever possible and provide make-up air for all other appliances that can pull air out of the building.
  Heat recovery ventilators (HRV) or energy recovery ventilators (ERV) are growing in use for controlled ventilation in tight homes. These devices salvage about 80% of the energy from the sta