Integrity Home Evaluation Services, LLC has been awarded the prestigious 2011 Angie’s List Super Service Award, an honor bestowed annually on approximately 5 percent of all the businesses rated on the nation’s leading provider of consumer reviews on local service and health providers.

“Only a fraction of the businesses rated on Angie’s List can claim the sterling service record of being a Super Service Award winner because we set a high bar,” said Angie’s List Founder Angie Hicks. “The fact that Integrity Home Evaluation Services can claim Super Service Award status speaks volumes about its dedication to consumers.”

Angie’s List Super Service Award winners have met strict eligibility requirements including earning a minimum number of reports, an exemplary rating from their clients and abiding by Angie’s List operational guidelines.

Ratings are updated daily on Angie’s List, but members can find the 2011 Super Service Award logo next to business names in search results on AngiesList.com.

Angie’s List collects consumer reviews on local contractors and doctors in more than 500 service categories. Currently, more than 2 million consumers across the U.S. rely on Angie’s List to help them make the best hiring decisions. Members get unlimited access to local ratings via Internet or phone, exclusive discounts, the Angie’s List magazine and help from the Angie’s List complaint resolution service. Take a quick tour of Angie’s List and view the latest Angie’s List news.

Free RecallChek Now Part of Every Inspection

Integrity Home Evaluation Services is now offering free RecallChek with every home inspection performed.

The RecallChek Story

Since 1974, American citizens have been protected from dangerous items in their homes by federal law. Congress prescribed a system whereby if a manufacturer designed a dangerous product, they MUST recall all those items and FIX THEM FOR FREE!

The problem in the law is that most often it’s up to the consumer, to find out whether appliances are potential fire or safety hazards!

There is a database designed and managed by the government, but you would have to wade through 195 MILLION recalled items to find out if a dishwasher or air conditioner is a hazard to your clients family.

The RecallChek Process

Making America’s Homes Safer One appliance at a time . .

How it works:

* On-site, Integrity Home Evaluation Services (IHES) will copy the manufacturer and model numbers of the home appliances, water heaters and HVAC systems.

* IHES will submit the appliance data online at RecallChek.com.

* At RecallChek Headquarters, the manufacturers and model numbers are computer matched against MILLIONS of recalls using their Model Number Algorithm (MNA).

* RecallChek will then hand-check the report, to eliminate wrong numbers from worn plates and ID cards, and other problems.

* In the event of a potential recall, RecallChek issues a report including

1) the nature of the recall,
2) where the product was sold,
3) how to remedy the defect, and
4) how to get the item repaired / replaced in most cases – absolutely FREE

Home Winterization

by Nick Gromicko, Rob London and Kenton Shepard

Winterization is the process of preparing a home for the harsh conditions of winter. It is usually performed in the fall before snow and excessive cold have arrived. Winterization protects against damage due to bursting water pipes, and from heat loss due to openings in the building envelope. Inspectors should know how winterization works and be able to pass this information on to their clients

Plumbing System

Water damage caused by bursting pipes during cold weather can be devastating. A ruptured pipe will release water and not stop until someone shuts off the water. If no one is home to do this, an enormous quantity of water can flood a house and cause thousands of dollars’ worth of damage. Even during very small ruptures or ruptures that are stopped quickly, water leakage can result in mold and property damage. Broken water pipes can be costly to repair.

• All exposed water pipes in cold areas, such as attics, garages, and crawlspaces, should be insulated. Foam or fiberglass insulation can be purchased at most hardware stores.  Insulation should cover the entirety of a pipe.
• Plastic is more tolerant of cold expansion than copper or steel. Houses in colder climates might benefit from the exclusive use of approved plastic plumbing.
• Water supply for exterior pipes should be shut off from inside the house and then drained.
• Sprinkler systems are particularly vulnerable to cracking due to cold-weather expansion. In addition to turning them, it helps to purge the system of any remaining water with compressed air.
• Homeowners should be aware that much of the plumbing system travels through areas that are significantly colder than the rest of the house. Because it is impossible to monitor the temperature of every portion of the plumbing system, indoor air temperature should be kept high enough throughout the winter to keep pipes in any unheated places from freezing.

Leaks in the Building Envelope

Leaky window frames, door frames, and electrical outlets can allow warm air to escape into the outdoors.

• Windows that leak will allow cold air into the home. Feeling for drafts with a hand or watching for horizontal smoke from an incense stick are a few easy ways to inspect for leaks. They can be repaired with tape or caulk.
• On a breezy day, a homeowner can walk through the house and find far more leaks than they knew existed. Leaks are most likely in areas where a seam exists between two or more building materials.

Insulation

• Because hot air rises into the attic, a disproportionately larger amount of heat is lost there than in other parts of the house. Like a winter hat that keeps a head warm, adequate attic insulation will prevent warm indoor air from escaping. Attic insulation should be 12 inches thick in cold climates.
• Storm doors and windows should be installed to insulate the house and protect against bad weather.

Heating Systems

 

The heating system is used most during the winter so it’s a good idea to make sure that it works before it’s desperately needed. The following inspection and maintenance tips can be of some help to homeowners:

• Test the furnace by raising the temperature on the thermostat. If it does not respond to the adjustment quickly it might be broken.
• Replace the air filter if it’s dirty.
• If the furnace is equipped with an oil or propane tank, the tank should be full.

Cooling Systems

• Use a hose to remove leaves and other debris from the outdoor condensing unit, if the home is equipped with one. Protect the unit with a breathable waterproof cover to prevent rusting and freezing of its components.
• Remove and store window air conditioners when they are no longer needed. Cold air can damage their components and enter the house through openings between the air conditioner and the windowpane.
• Ceiling fans can be reversed in order to warm air trapped beneath the ceiling to recirculate. A fan has been reversed if it spins clockwise.

Chimneys and Fireplaces

• The chimney should be inspected for nesting animals trying to escape the cold. Squirrels and raccoons have been known to enter chimneys for this reason.
• The damper should open and close with ease. Smoke should rise up the chimney when the damper is open. If it doesn’t, this means that there is an obstruction in the chimney that must be cleared before the fireplace can be used.
• A chimney-cleaning service professional should clean the chimney if it has not been cleaned for several years.
• The damper should be closed when the fireplace is not in use. An open damper might not be as obvious to the homeowner as an open window, but it can allow a significant amount of warm air to escape.
• Glass doors can be installed in fireplaces and wood stoves to provide an extra layer of insulation.

Roofs

• If debris is left in gutters, it can get wet and freeze, permitting the formation of ice dams that prevent water from draining. This added weight has the potential to cause damage to gutters. Also, trapped water in the gutter can enter the house and lead to the growth of mold. For these reasons, leaves, pine needles, and all other debris must be cleared from gutters. This can be done by hand or with a hose.
• Missing shingles should be replaced.

Landscape

• Patio furniture should be covered.
• If there is a deck, it might need an extra coat of sealer.

Adequate winterization is especially crucial for homes that are left unoccupied during the winter. This sometimes happens when homeowners who own multiple properties leave one home vacant for months at a time while they occupy their summer homes. Foreclosed homes are sometimes left unoccupied, as well. The heat may be shut off in vacant homes in order to save money. Such homes must be winterized in order to prevent catastrophic building damage.

 

In addition to the information above, InterNACHI advises the following measures to prepare an unoccupied home for the winter:

• Winterize toilets by emptying them completely. Antifreeze can be poured into toilets and other plumbing fixtures.
• Winterize faucets by opening them and leaving them open.
• Water tanks and pumps need to be drained completely.
• Drain all water from indoor and outdoor plumbing.
• Unplug all non-essential electrical appliances, especially the refrigerator. If no electrical appliances are needed, electricity can be shut off at the main breaker.

 

In summary, home winterization is a collection of preventative measures designed to protect homes against damage caused by cold temperatures. These measures should be performed in the fall, before it gets cold enough for damage to occur. Indoor plumbing is probably the most critical area to consider when preparing a home for winter, although other systems should not be ignored.

Bed Bugs

by Nick Gromicko and Rob London

Bed bugs are small, flightless, rust-colored parasites that feed on the blood of humans and other warm-blooded animals. Inspectors should learn the telltale signs of these pests and be capable of providing information to their clients.

Bed bugs were diminished to an historical footnote after their near-eradication in the 1950s, but they are re-emerging in a big way. At the EPA’s National Bed Bug Summit in 2009, researchers decided that the parasite’s revival is more appropriately termed a pandemic rather than an epidemic, noting its rapid spread across large regions and different continents. For those afflicted by the bug, humiliated and defeated by its persistence, many prefer to refer to the infestation as “house herpes.” The United States has seen a 50-fold increase in bed bug infestations over the last five years, according to the National Pest Management Association. An entomologist told MSNBC, “It’s like the return of the wooly mammoth,” as many of his peers had previously never seen a single bed bug in their careers. The outbreak has affected most parts of North America and Europe, especially in urban areas.

Researchers believe bed bugs have roused from a half-century of hibernation for two reasons:  the termination of the use of the pesticide DDT; and a rise in international travel. DDT, a powerful synthetic pesticide, was used widely in agriculture until a public outcry concerning its safety lead to a US-ban of the chemical in 1972, followed by international bans. Unbeknownst to the environmentalists of the time, these laws would permit future outbreaks to grow unchecked, which is precisely what happened when travel increased from countries where bed bugs were never subjugated, such as India.

Hotbeds of international travel, such as New York City, have hosted the bulk of the carnage. The bugs hitch rides from country to country in suitcases, and creep into hotel rooms where other guests are then exposed and unknowingly spread the parasites to movie theatres, cabs, buses, hospitals, houses, and everywhere in between. In New York City, bed bug reports increased 800% from 2008 to 2009, a year in which the Department of Housing Preservation and Development received 13,152 bug infestation complaints.

The unpleasantness of a typical rodent or insect extermination is largely the fee charged by the exterminator.  But with bed bugs, this fee is just one piece of a greater nightmare. Because bed bugs are adept at hiding almost anywhere, an alarming quantity of possessions, from curtains to books and picture frames, must be discarded or quarantined. In one posh New York City rental tower, a tenant was forced to part with carpets, bedding, curtains, 20 cashmere sweaters, an Armani suit, a couch, a headboard, a night table, a bedframe, and an exercise bike, according to the New York Daily News. Other victims have had to throw away their books unless they were willing to inspect each one, page by page. Some possessions may be salvaged if they are sealed in special casing long enough for the bed bugs to die, which can takes many months. During this time, residents may be forced to move to temporary housing elsewhere.

Fortunately, the health dangers posed by bed bugs seem to be limited to temporary skin irritation and inflammation, akin to mosquito bites. There are no known cases of disease transmission from bed bugs to humans, despite the fact that the parasites seem similar to other parasites that do transmit disease, such as fleas and ticks. Anaphylactic shock, however, may be experienced by a small percentage of the population, and measures should be taken to prevent bacterial infection of bitten areas.

Adult bed bugs are flat, apple-seed sized with rusty-colored, oval bodies. Newly hatched bed bugs are semi-transparent, light tan in color, and the size of a poppy seed. Yet, due to their elusive nature, their presence is usually discovered through peripheral clues rather than by seeing the bugs themselves. Some of these signs include fecal spots, blood smears, crushed bugs, or the itchy bumps that may result from bites. Bugs may be disturbed while feeding and leave a cluster of bumps, or they may bite in a row, marking the path of a blood vessel. The parasites emit a characteristic musty odor, although the smell is sometimes not present in even severe infestations. The bugs also emit a smell that is detectable by dogs, which has lead to the implementation of dogs in bed bug detection. Properly trained dogs can find bed bugs in wall voids, furniture gaps, and other places that humans may overlook and, in doing so, they focus on the area in which exterminators must spray.

It is best for bed bugs to be treated by pest management professionals (PMPs), not homeowners, as there is risk that an inexperienced person may spread the infestation further throughout the home. For instance, bug bombs will be ineffective and merely spread bed bugs. Even chemical sprays designed to kill bed bugs, if used by inexperienced homeowners, may make the infestation worse. PMPs can inspect for bed bugs in their immature stages of development, including their eggs, while homeowners cannot. In addition, prep work performed by a homeowner may make it difficult for the PMP to assess the extent of the infestation.

The following tactics may be useful, however, for temporary relief or confirmation of the presence of bed bugs:

• Remove bed skirts, as they provide easy access for the bugs to travel from the floor to your bed. If you must have bed skirts, make sure they do not reach the floor.
• Move your bed away from the wall. Bed bugs cannot fly, but they can climb walls in order to fall onto the bed.
• Place furniture legs in tin cans coated with talcum powder, petroleum jelly or a non-evaporative liquid, to deter the bugs from climbing.
• Place a strip of duct tape at the base of furniture with the sticky side out. This tactic can be used to confirm the presence of bed bugs because it will trap them in place.
• Spray cracks and crevices with an insecticide designed to control bed bugs. Follow the label’s directions carefully. However, do not treat bedding, towels or clothing with insecticide.

Homeowners can limit their chances of bed bug exposure by purchasing only new furniture, as stowaway bugs can hide in older or used chairs and mattresses. Hostels, hotels and motels host many travelers and are obvious breeding grounds for bed bugs, and many hostels ban sleeping bags for this reason. Unfortunately, person-to-person contact is difficult to avoid.

In summary, bed bugs are a growing, serious threat.  Along with wood-destroying organisms, inspectors may want to enhance their knowledge by learning to recognize and become familiar with the problems posed by bed bugs because of their potential to infest homes and damage property.

Arc-Fault Circuit Interrupters

by Nick Gromicko, Rob London and Kenton Shepard

Arc-fault circuit interrupters (AFCIs) are special types of electrical outlets and circuit breakers designed to detect and respond to potentially dangerous electrical arcs in home branch wiring.

How do they work?

 

AFCIs function by monitoring the electrical waveform and promptly opening (interrupting) the circuit they serve if they detect changes in the wave pattern that are characteristic of a dangerous arc. They also must be capable of distinguishing safe, normal arcs, such as those created when a switch is turned on or a plug is pulled from a receptacle, from arcs that can cause fires. An AFCI can detect, recognize, and respond to very small changes in wave pattern.

What is an arc?

 

When an electric current crosses an air gap from an energized component to a grounded component, it produces a glowing plasma discharge known as an arc. For example, a bolt of lightening is a very large, powerful arc that crosses an atmospheric gap from an electrically charged cloud to the ground or another cloud. Just as lightning can cause fires, arcs produced by domestic wiring are capable of producing high levels of heat that can ignite their surroundings and lead to structure fires.

According to statistics from the National Fire Protection Agency for the year 2005, electrical fires damaged approximately 20,900 homes, killed 500 people, and cost $862 million in property damage. Although short-circuits and overloads account for many of these fires, arcs are responsible for the majority and are undetectable by traditional (non-AFCI) circuit breakers.

Where are arcs likely to form?

 

Arcs can form where wires are improperly installed or when insulation becomes damaged. In older homes, wire insulation tends to crystallize as it ages, becoming brittle and prone to cracking and chipping. Damaged insulation exposes the current-carrying wire to its surroundings, increasing the chances that an arc may occur.

Situations in which arcs may be created:

• electrical cords damaged by vacuum cleaners or trapped beneath furniture or doors.
• damage to wire insulation from nails or screws driven through walls.
• appliance cords damaged by heat, natural aging, kinking, impact or over-extension.
• spillage of liquid.
• loose connections in outlets, switches and light fixtures.

Where are AFCIs required?

 

Locations in which AFCIs are required depend on the building codes adopted by their jurisdiction. Inspectors are responsible for knowing what building codes are used in the areas in which they inspect.

The 2006 International Residential Code (IRC) requires that AFCIs be installed within bedrooms in the following manner:

E3802.12 Arc-Fault Protection of Bedroom Outlets. All branch circuits that supply120-volt, single-phase, 15- and 20-amp outlets installed in bedrooms shall be protected by a combination-type or branch/feeder-type arc-fault circuit interrupter installed to provide protection of the entire branch circuit.

Exception: The location of the arc-fault circuit interrupter shall be permitted to be at other than the origination of the branch circuit, provided that:

1. The arc-fault circuit interrupter is installed within 6 feet of the branch circuit overcurrent device as measured along the branch circuit conductors, and
2. The circuit conductors between the branch circuit overcurrent device and the arc-fault circuit interrupter are installed in a metal raceway or a cable with metallic sheath.

The National Electrical Code (NEC) offers the following guidelines concerning AFCI placement within bedrooms:

Dwelling Units. All 120-volt, single phase, 15- and 20-ampere branch circuits supplying outlets installed in dwelling unit in family rooms, dining rooms, living rooms, parlors, libraries, dens, sun rooms, recreation rooms, closets, hallways, or similar rooms or areas shall be protected by a listed arc-fault circuit interrupter, combination-type installed to provide protection of the branch circuit.

Home inspectors should refrain from quoting exact code in their reports. A plaintiff’s attorney might suggest that code quotation means that the inspector was performing a code inspection and is therefore responsible for identifying all code violations in the home.  Some jurisdictions do not yet require their implementation in locations where they can be helpful.

What types of AFCIs are available?

 

The four most common types of AFCIs are as follows:

• Branch/feeder—installed at the main electrical panel or sub-panel.
• Outlet circuit—installed in a branch-circuit outlet.
• Combination—complies with the requirements of both the branch/feeder and the outlet circuit AFCIs.
• Cord—a plug-in device connected to the receptacle outlet.

Nuisance Tripping

An AFCI might activate in situations that are not dangerous and create needless power shortages. This can be particularly annoying when an AFCI stalls power to a freezer or refrigerator, allowing its contents to spoil. There are a few procedures an electrical contractor can perform in order to reduce potential “nuisance tripping,” such as:

• Check that the load power wire, panel neutral wire and load neutral wire are properly connected.
• Check wiring to ensure that there are no shared neutral connections.
• Check the junction box and fixture connections to ensure that the neutral conductor contacts a grounded conductor.

Arc Faults vs. Ground Faults

 

It is important to distinguish AFCI devices from Ground Fault Circuit Interrupter (GFCI) devices. GFCIs detect ground faults, which occur when current leaks from a hot (ungrounded) conductor to a grounded object as a result of a short-circuit. This situation can be hazardous when a person unintentionally becomes the current’s path to the ground. GFCIs function by constantly monitoring the current flow between hot and neutral (grounding) conductors, and activate when they sense a difference of 5 milliamps or more. Thus, GFCIs are intended to prevent personal injury due to electric shock, while AFCIs prevent personal injury and property damage due to structure fires.

In summary, AFCIs are designed to detect small arcs of electricity before they have a chance to lead to a structure fire.

Mudjacking

by Nick Gromicko and Rob London

There was a time when the only remedy for sinking sidewalks or uneven foundations was to tear out the old pavement slab and pour a new one, and spend a great deal of time and money in the process. Today, a less intensive alternative known as mudjacking (also called concrete leveling, pressure grouting or slabjacking) pumps slurry beneath a sunken concrete slab in order to raise it back into place.

Concrete sinks because its underlying support, for various reasons, gives way. The original concrete may have been installed on dirt that hadn’t been compacted sufficiently, for instance, or soil erosion may be responsible. And some soil simply settles naturally over many years. Regardless of the cause, sunken concrete can lead to many structural defects, including failed retaining walls, foundation settling, uneven junctions of concrete, sunken sidewalks, uneven concrete pads, cracked foundations, and bowed basement walls. If left uncorrected, these defects can lead to unwanted water runoff and major structural problems.

And, aside from the shabby appearance and decreased functionality of an uneven sidewalk, steps or walkway, sunken concrete can create major trip hazards for which the building owner is liable. If a building owner notices any of these conditions, they should consult with their InterNACHI inspector during their next scheduled inspection.

Process

First, small holes are drilled into the concrete, through which is pumped a slurry that may be composed of various materials, such as sand, cement, soil, limestone, bentonite clay, water or expanding polymers. The particular mixture is based on the type of application and the mudjacker’s preference. The slurry then fills any gaps and forces the concrete to rise back into place before the drilled holes are plugged up with cement, leaving the only visible evidence of the repair. Over the next day, the slurry solidifies and stabilizes the subsoil, making further sinking unlikely.

While this is not a complicated procedure, it should be performed only by a trained professional, as amateur workmanship may cause even more extensive damage. Drain pipes, sewers and utilities must be located and avoided, and the area must be evaluated as to whether it can survive the mudjacking process.

Some advantages of mudjacking over re-pouring cement include:

• efficiency. Mudjacking requires less equipment and fewer workers. Adjacent plants and landscaping are also disturbed less, as are neighbors, tenants and passersby by the loud noise, dust and cumbersome equipment;
• price. Mudjacking typically costs roughly half as much as concrete replacement because there is little need for new cement or the removal of old concrete. The overall cost is based on the area of concrete that must be lifted, which may be as little as $5 per foot. Thus, for a 5×4-foot job, it might cost just $60, although the mudjacker may charge more if the area is in a hard-to-reach location;
• speed. Mudjacking takes hours, while certain concrete pours may take days; and
• environmentally friendly. Mudjacking makes use of perfectly good concrete, which would otherwise be sent to a landfill.

Limitations of Mudjacking

Mudjacking may be an ineffective waste of resources in the following situations:

• The concrete surface is spalling or otherwise damaged. The mudjacking process might further damage the surface, which will still be defective even after it’s raised back into place.
• The concrete has risen, caused by expansive soil. The only solution for this defect is to re-pour the cement.
• The cause of the settling is not addressed. If the soil has settled due to some external factor, the problem must be fixed or the soil will sink again in the future. For instance, a gutter downspout that drains onto a concrete edge must be corrected in order to avoid the need for future repair.
• The underlying soil is swampy.
• There is a sinkhole beneath the concrete.

In summary, mudjacking is an inexpensive, fast and clean way to level a sunken concrete slab.

Asbestos

What is Asbestos?

Asbestos is a mineral fiber that can be positively identified only with a special type of microscope. There are several types of asbestos fibers. In the past, asbestos was added to a variety of products to strengthen them and to provide heat insulation and fire resistance. InterNACHI inspectors can supplement their knowledge with the information offered in this guide.

How Can Asbestos Affect My Health?

From studies of people who were exposed to asbestos in factories and shipyards, we know that breathing high levels of asbestos fibers can lead to an increased risk of lung cancer in the forms of mesothelioma, which is a cancer of the lining of the chest and the abdominal cavity, and asbestosis, in which the lungs become scarred with fibrous tissue.

The risk of lung cancer and mesothelioma increase with the number of fibers inhaled. The risk of lung cancer from inhaling asbestos fibers is also greater if you smoke. People who get asbestosis have usually been exposed to high levels of asbestos for a long time. The symptoms of these diseases do not usually appear until about 20 to 30 years after the first exposure to asbestos.

Most people exposed to small amounts of asbestos, as we all are in our daily lives, do not develop these health problems. However, if disturbed, asbestos material may release asbestos fibers, which can be inhaled into the lungs. The fibers can remain there for a long time, increasing the risk of disease. Asbestos material that would crumble easily if handled, or that has been sawed, scraped, or sanded into a powder, is more likely to create a health hazard.

Where Can I Find Asbestos and When Can it Be a Problem?

Most products made today do not contain asbestos. Those few products made which still contain asbestos that could be inhaled are required to be labeled as such. However, until the 1970s, many types of building products and insulation materials used in homes contained asbestos. Common products that might have contained asbestos in the past, and conditions which may release fibers, include:

• steam pipes, boilers and furnace ducts insulated with an asbestos blanket or asbestos paper tape. These materials may release asbestos fibers if damaged, repaired, or removed improperly;
• resilient floor tiles (vinyl asbestos, asphalt and rubber), the backing on vinyl sheet flooring, and adhesives used for installing floor tile. Sanding tiles can release fibers, and so may scraping or sanding the backing of sheet flooring during removal;
• cement sheet, millboard and paper used as insulation around furnaces and wood-burning stoves. Repairing or removing appliances may release asbestos fibers, and so may cutting, tearing, sanding, drilling, or sawing insulation;
• door gaskets in furnaces, wood stoves and coal stoves. Worn seals can release asbestos fibers during use;
• soundproofing or decorative material sprayed on walls and ceilings. Loose, crumbly or water-damaged material may release fibers, and so will sanding, drilling or scraping the material;
• patching and joint compounds for walls and ceilings, and textured paints. Sanding, scraping, or drilling these surfaces may release asbestos fibers;
• asbestos cement roofing, shingles and siding. These products are not likely to release asbestos fibers unless sawed, dilled or cut;
• artificial ashes and embers sold for use in gas-fired fireplaces, and other older household products, such as fireproof gloves, stove-top pads, ironing board covers and certain hairdryers; and
• automobile brake pads and linings, clutch facings and gaskets.

Where Asbestos Hazards May Be Found in the Home

• Some roofing and siding shingles are made of asbestos cement.
• Houses built between 1930 and 1950 may have asbestos as insulation.
• Asbestos may be present in textured paint and in patching compounds used on wall and ceiling joints. Their use was banned in 1977.
• Artificial ashes and embers sold for use in gas-fired fireplaces may contain asbestos.
• Older products, such as stove-top pads, may have some asbestos compounds.
• Walls and floors around wood-burning stoves may be protected with asbestos paper, millboard or cement sheets.
• Asbestos is found in some vinyl floor tiles and the backing on vinyl sheet flooring and adhesives.
• Hot water and steam pipes in older houses may be coated with an asbestos material or covered with an asbestos blanket or tape.
• Oil and coal furnaces and door gaskets may have asbestos insulation.

What Should Be Done About Asbestos in the Home?

If you think asbestos may be in your home, don’t panic.  Usually, the best thing to do is to leave asbestos material that is in good condition alone. Generally, material in good condition will not release asbestos fibers. There is no danger unless the asbestos is disturbed and fibers are released and then inhaled into the lungs. Check material regularly if you suspect it may contain asbestos. Don’t touch it, but look for signs of wear or damage, such as tears, abrasions or water damage. Damaged material may release asbestos fibers. This is particularly true if you often disturb it by hitting, rubbing or handling it, or if it is exposed to extreme vibration or air flow. Sometimes, the best way to deal with slightly damaged material is to limit access to the area and not touch or disturb it. Discard damaged or worn asbestos gloves, stove-top pads and ironing board covers. Check with local health, environmental or other appropriate agencies to find out proper handling and disposal procedures. If asbestos material is more than slightly damaged, or if you are going to make changes in your home that might disturb it, repair or removal by a professional is needed. Before you have your house remodeled, find out whether asbestos materials are present.

How to Identify Materials that Contain Asbestos

You can’t tell whether a material contains asbestos simply by looking at it, unless it is labeled. If in doubt, treat the material as if it contains asbestos, or have it sampled and analyzed by a qualified professional. A professional should take samples for analysis, since a professional knows what to look for, and because there may be an increased health risk if fibers are released. In fact, if done incorrectly, sampling can be more hazardous than leaving the material alone. Taking samples yourself is not recommended. If you nevertheless choose to take the samples yourself, take care not to release asbestos fibers into the air or onto yourself. Material that is in good condition and will not be disturbed (by remodeling, for example) should be left alone. Only material that is damaged or will be disturbed should be sampled. Anyone who samples asbestos-containing materials should have as much information as possible on the handling of asbestos before sampling and, at a minimum, should observe the following procedures:

• Make sure no one else is in the room when sampling is done.
• Wear disposable gloves or wash hands after sampling.
• Shut down any heating or cooling systems to minimize the spread of any released fibers.
• Do not disturb the material any more than is needed to take a small sample.
• Place a plastic sheet on the floor below the area to be sampled.
• Wet the material using a fine mist of water containing a few drops of detergent before taking the sample. The water/detergent mist will reduce the release of asbestos fibers.
• Carefully cut a piece from the entire depth of the material using a small knife, corer or other sharp object. Place the small piece into a clean container (a 35-mm film canister, small glass or plastic vial, or high-quality resealable plastic bag).
• Tightly seal the container after the sample is in it.
• Carefully dispose of the plastic sheet. Use a damp paper towel to clean up any material on the outside of the container or around the area sampled. Dispose of asbestos materials according to state and local procedures.
• Label the container with an identification number and clearly state when and where the sample was taken.
• Patch the sampled area with the smallest possible piece of duct tape to prevent fiber release.
• Send the sample to an asbestos analysis laboratory accredited by the National Voluntary Laboratory Accreditation Program (NVLAP) at the National Institute of Standards and Technology (NIST). Your state or local health department may also be able to help.

How to Manage an Asbestos Problem

If the asbestos material is in good shape and will not be disturbed, do nothing! If it is a problem, there are two types of corrections: repair and removal. Repair usually involves either sealing or covering asbestos material. Sealing (encapsulation) involves treating the material with a sealant that either binds the asbestos fibers together or coats the material so that fibers are not released. Pipe, furnace and boiler insulation can sometimes be repaired this way. This should be done only by a professional trained to handle asbestos safely. Covering (enclosure) involves placing something over or around the material that contains asbestos to prevent the release of fibers. Exposed insulated piping may be covered with a protective wrap or jacket. With any type of repair, the asbestos remains in place. Repair is usually cheaper than removal, but it may make removal of asbestos later (if found to be necessary) more difficult and costly. Repairs can either be major or minor. Major repairs must be done only by a professional trained in methods for safely handling asbestos. Minor repairs should also be done by professionals, since there is always a risk of exposure to fibers when asbestos is disturbed.

Repairs

Doing minor repairs yourself is not recommended, since improper handling of asbestos materials can create a hazard where none existed. If you nevertheless choose to do minor repairs, you should have as much information as possible on the handling of asbestos before doing anything. Contact your state or local health department or regional EPA office for information about asbestos training programs in your area. Your local school district may also have information about asbestos professionals and training programs for school buildings. Even if you have completed a training program, do not try anything more than minor repairs. Before undertaking minor repairs, carefully examine the area around the damage to make sure it is stable. As a general rule, any damaged area which is bigger than the size of your hand is not considered a minor repair.

Before undertaking minor repairs, be sure to follow all the precautions described previously for sampling asbestos material. Always wet the asbestos material using a fine mist of water containing a few drops of detergent. Commercial products designed to fill holes and seal damaged areas are available. Small areas of material, such as pipe insulation, can be covered by wrapping a special fabric, such as re-wettable glass cloth, around it. These products are available from stores (listed in the telephone directory under “Safety Equipment and Clothing”) which specialize in asbestos materials and safety items.

Removal is usually the most expensive method and, unless required by state or local regulations, should be the last option considered in most situations. This is because removal poses the greatest risk of fiber release. However, removal may be required when remodeling or making major changes to your home that will disturb asbestos material. Also, removal may be called for if asbestos material is damaged extensively and cannot be otherwise repaired. Removal is complex and must be done only by a contractor with special training. Improper removal may actually increase the health risks to you and your family.

Asbestos Professionals: Who Are They and What Can They Do?

Asbestos professionals are trained in handling asbestos material. The type of professional will depend on the type of product and what needs to be done to correct the problem. You may hire a general asbestos contractor or, in some cases, a professional trained to handle specific products containing asbestos.

Asbestos professionals can conduct home inspections, take samples of suspected material, assess its condition, and advise on the corrections that are needed, as well as who is qualified to make these corrections. Once again, material in good condition need not be sampled unless it is likely to be disturbed. Professional correction or abatement contractors repair and remove asbestos materials.

Some firms offer combinations of testing, assessment and correction. A professional hired to assess the need for corrective action should not be connected with an asbestos-correction firm. It is better to use two different firms so that there is no conflict of interest. Services vary from one area to another around the country.

The federal government offers training courses for asbestos professionals around the country. Some state and local governments also offer or require training or certification courses. Ask asbestos professionals to document their completion of federal or state-approved training. Each person performing work in your home should provide proof of training and licensing in asbestos work, such as completion of EPA-approved training. State and local health departments or EPA regional offices may have listings of licensed professionals in your area.

If you have a problem that requires the services of asbestos professionals, check their credentials carefully. Hire professionals who are trained, experienced, reputable and accredited — especially if accreditation is required by state or local laws. Before hiring a professional, ask for references from previous clients. Find out if they were satisfied. Ask whether the professional has handled similar situations. Get cost estimates from several professionals, as the charges for these services can vary.

Though private homes are usually not covered by the asbestos regulations that apply to schools and public buildings, professionals should still use procedures described in federal or state-approved training. Homeowners should be alert to the chance of misleading claims by asbestos consultants and contractors. There have been reports of firms incorrectly claiming that asbestos materials in homes must be replaced. In other cases, firms have encouraged unnecessary removal or performed it improperly. Unnecessary removal is a waste of money. Improper removal may actually increase the health risks to you and your family. To guard against this, know what services are available and what procedures and precautions are needed to do the job properly.

In addition to general asbestos contractors, you may select a roofing, flooring or plumbing contractor trained to handle asbestos when it is necessary to remove and replace roofing, flooring, siding or asbestos-cement pipe that is part of a water system. Normally, roofing and flooring contractors are exempt from state and local licensing requirements because they do not perform any other asbestos-correction work.

Asbestos-containing automobile brake pads and linings, clutch facings and gaskets should be repaired and replaced only by a professional using special protective equipment. Many of these products are now available without asbestos.

If you hire an InterNACHI inspector who is trained in asbestos inspection:

• Make sure that the inspection will include a complete visual examination, and the careful collection and lab analysis of samples. If asbestos is present, the inspector should provide a written evaluation describing its location and extent of damage, and give recommendations for correction or prevention.
• Make sure an inspecting firm makes frequent site visits if it is hired to assure that a contractor follows proper procedures and requirements. The inspector may recommend and perform checks after the correction to assure that the area has been properly cleaned.

If you hire a corrective-action contractor:

• Check with your local air pollution control board, the local agency responsible for worker safety, and the Better Business Bureau. Ask if the firm has had any safety violations. Find out if there are legal actions filed against it.
• Insist that the contractor use the proper equipment to do the job. The workers must wear approved respirators, gloves and other protective clothing.
• Before work begins, get a written contract specifying the work plan, cleanup, and the applicable federal, state and local regulations which the contractor must follow (such as notification requirements and asbestos disposal procedures). Contact your state and local health departments, EPA regional office, and the Occupational Safety and Health Administration’s regional office to find out what the regulations are. Be sure the contractor follows local asbestos removal and disposal laws. At the end of the job, get written assurance from the contractor that all procedures have been followed.
• Assure that the contractor avoids spreading or tracking asbestos dust into other areas of your home. They should seal off the work area from the rest of the house using plastic sheeting and duct tape, and also turn off the heating and air conditioning system. For some repairs, such as pipe insulation removal, plastic bags may be adequate. They must be sealed with tape and properly disposed of when the job is complete.
• Make sure the work site is clearly marked as a hazardous area. Do not allow household members or pets into the area until work is completed.
• Insist that the contractor apply a wetting agent to the asbestos material with a hand sprayer that creates a fine mist before removal. Wet fibers do not float in the air as easily as dry fibers and will be easier to clean up.
• Make sure the contractor does not break removed material into smaller pieces. This could release asbestos fibers into the air. Pipe insulation was usually installed in pre-formed blocks and should be removed in complete pieces.
• Upon completion, assure that the contractor cleans the area well with wet mops, wet rags, sponges and/or HEPA (high-efficiency particulate air) vacuum cleaners. A regular vacuum cleaner must never be used. Wetting helps reduce the chance of spreading asbestos fibers in the air. All asbestos materials and disposable equipment and clothing used in the job must be placed in sealed, leakproof, and labeled plastic bags. The work site should be visually free of dust and debris. Air monitoring (to make sure there is no increase of asbestos fibers in the air) may be necessary to assure that the contractor’s job is done properly. This should be done by someone not connected with the contractor.

Caution!

Do not dust, sweep or vacuum debris that may contain asbestos. These actions will disturb tiny asbestos fibers and may release them into the air. Remove dust by wet-mopping or with a special HEPA vacuum cleaner used by trained asbestos contractors.

Short Sales

by Nick Gromicko and Rob London

A “short sale” is a real estate sales transaction in which the seller’s mortgage lender agrees to accept a payoff of less than the balance owed on a property’s loan. This typically happens when a borrower can’t pay the remainder of the mortgage loan on their property, but the lender decides that selling the property at a moderate loss is a better alternative than foreclosure.

Short sales are different from foreclosures because the lender forces a foreclosure, while both lender and borrower consent to a short sale. Consent between these parties may suddenly change, however, such as if the borrower becomes obstinate and forces foreclosure, or if the lender disapproves of the sale price. If the property is collateral for a second mortgage from a different institution, it, too, must agree to the short sale, which may further complicate the transaction.

Short Sales from the Lender’s Perspective

Banks incur a smaller financial loss from short sales than losses resulting from foreclosures, which cost lenders billions of dollars, mainly through the expense and time required to foreclose on the borrower and subsequently market the property. If the borrower owes $30,000 on their home, it’s often worth it for the bank to waive that amount, as the expense may be as much as $50,000 per foreclosure, according to a study by the U.S. Congress Joint Economic Committee.

Short Sales from the Seller’s Perspective

While a short sale will damage the seller’s credit rating, a foreclosure causes even greater credit damage. The process for a short sale is also faster, cheaper and less emotional than a foreclosure, in which former owners are often forcibly removed from their homes.

Short sales, however, do not necessarily release the borrower from the obligation to pay some or all of the remaining balance of the loan, known as the deficiency. The bank, depending on state laws, might be able to go after the seller for the remainder of the loan after the home sells. Also, in these states, known as recourse states, the IRS can treat the unpaid portion of the mortgage as taxable income.

Communities, too, invariably prefer short sales to foreclosures, which drag down the real estate market of whole neighborhoods. Vacant foreclosed houses, many of which have been ransacked by former owners or vandals, further reduce the property value of neighboring homes which, in turn, increase the likelihood of more foreclosures. Of course, communities don’t have much of a say in whether a home short-sells or forecloses, which is partly why a federal rule was issued to streamline and encourage short sales.  As of April 5, 2010, the various parties that must consent to allow a short sale – the borrower, the lender, the investor who owns the loan, and the bank that owns the second mortgage (provided there is one) – are all offered financial incentives to consent to a short sale.

Typically, the following conditions must be present in order for a short sale to be approved:

• The property’s market value has dropped.
• The mortgage is near or in default status.
• The seller can prove that they have few assets. Tax returns and financial statements may be required to prove that the borrower has no stocks, bonds, or other real estate, for instance, which may be used to pay off the balance of the loan.
• The borrower has fallen on hard times. The seller is required to submit a letter to the lender that describes why they cannot pay the difference due upon sale, and how they wound up in financial hardship. This plea to the lender to accept a loss, known as a letter of hardship, may include the following acceptable explanations:
  • unemployment;
  • divorce;
  • medical emergency;
  • bankruptcy; and/or
  • death.

The following circumstances are generally not accepted “hardships”:

• bad purchase decisions, such as gambling or vacationing;
• unhappiness with the neighbors, such as if a meth lab opened up next door;
• buying another home. If you can afford another home, the bank will wonder why you can’t pay off the one in which you currently reside;
• pregnancy. Lifestyle decisions aren’t taken seriously in letters of hardship; or
• moving into an apartment.

If you are considering the purchase of a short-sale property, here are some tips:

• Obtain legal advice from a competent real estate attorney.
• Consult with an accountant to discuss the tax ramifications of buying a short sale.
• Hire an InterNACHI inspector to inspect for problems typical of short sales and foreclosures, such as pests, mold, water damage, and/or structural defects. Realize that short-sale sellers have fallen behind on their mortgage payments, making it likely that they have neglected basic building maintenance and repair, or even intentionally abused the building. Presale inspections, which are suggested for all real estate transactions, are as critical for short sales as they are for foreclosures.

In summary, a short sale is a compromise consented to by the lender and borrower in order to avoid foreclosure, and can be a better financial deal for all parties involved.

Foreclosure Inspections: Trust Your Gut

by Nick Gromicko, Rob London and Kate Tarasenko

So, you want to buy a house cheap, and you look to the foreclosure market. Considering the over-abundance of these properties and just how little many of them are going for, it’s tempting to jump on the bandwagon and buy up. And it may pay off as a long-term investment.  But, like any other major purchase, you should know as much as you can about a property before you buy it, which is why home inspections, performed by certified InterNACHI inspectors, are necessary.

Unfortunately, many real estate agents, who don’t like bargaining with banks, are advising clients that home inspections are of no value as a bargaining tool, since banks don’t negotiate on “as is” properties. As an added disincentive, banks selling properties “as is” have no legal responsibility for any lurking defects. While the agent’s advice to forgo an inspection as a means to negotiate on the price may be logical, it is startlingly counter-intuitive, and possibly even negligent. Would you buy a car without knowing whether it has a transmission?  The same premise holds true for a house, regardless of whether you intend to live in it, or fix it and flip it. The Realtor may be trying to salvage a deal that could possibly be scrapped if an inspector uncovers damage that the bank is unwilling to pay for, and you, as the buyer, have to realize that the agent’s advice is not in your best interest. In this case, they’re putting you at risk in order to ensure they get their commission.

Any Realtor advising against an inspection on a foreclosure (or neglecting to recommend that one be performed) is ignoring the likelihood that, long before the previous owners stopped making mortgage payments, they deferred required maintenance tasks. Moisture intrusion leading to leaks and mold are just a few of the major problems commonly found by inspectors in foreclosed properties.  Tales abound of bizarre discoveries in abandoned properties, from wild boars to colossal bees nests. Former owners may loot their own properties, taking with them anything they can pry up or unscrew, and leave behind trash and junk that you have to pay for to have removed.

There are also stories of foreclosed properties that have been intentionally vandalized by their former owners in acts of retaliation against their banks. In one infamous case in early 2010, an Ohioan bulldozed his $250,000 home after the IRS placed liens on his carpet store, and then threatened to take his house. The damage done by the owner was apparent, but there are probably less extreme situations where the damage isn’t as obvious, making a home inspection of utmost priority.

You should always get a home inspection before buying a property, especially when you’re buying a bank-owned foreclosure.  In such cases, it may be impossible to find out how well the home was cared for, or whether major damage was done right before the past owners left the property. Ask the bank how much time you have after your initial offer to have an inspection performed, and schedule one immediately. If it goes well, you’ll enter into the deal with peace of mind and a better idea of what repairs you’ll have to deal with. That alone is worth the price of an inspection. If the inspection reveals a costly disaster, you can back out of the deal and save tens or even hundreds of thousands of dollars.

Knob & Tube Wiring

by Nick Gromicko, Rob London and Kenton Shepard

Knob-and-tube (K&T) wiring was an early standardized method of electrical wiring in buildings, in common use in North America from about 1880 to the 1940s. The system is considered obsolete and can be a safety hazard, although some of the fear associated with it is undeserved.

InterNACHI inspectors should always disclaim knob-and-tube wiring during their inspections.

Facts About Knob-and-Tube Wiring:

• It is not inherently dangerous. The dangers from this system arise from its age, improper modifications, and situations where building insulation envelops the wires.
• It has no ground wire and thus cannot service any three-pronged appliances.
• While it is considered obsolete, there is no code that requires its complete removal.
• It is treated differently in different jurisdictions. In some areas, it must be removed at all accessible locations, while others merely require that it not be installed in new construction. Inspectors should be sure to know the codes in the jurisdictions in which they operate.
• It is not permitted in any new construction.

How Knob-and-Tube Wiring Works:

K&T wiring consists of insulated copper conductors passing through lumber framing drill-holes via protective porcelain insulating tubes. They are supported along their length by nailed-down porcelain knobs. Where wires enter a wiring device, such as a lamp or switch, or were pulled into a wall, they are protected by flexible cloth or rubber insulation called “loom.”

Advantages of Knob-and-Tube Wiring:

• K&T wiring has a higher ampacity than wiring systems of the same gauge. The reason for this is that the hot and neutral wires are separated from one another, usually by 4 to 6 inches, which allows the wires to readily dissipate heat into free air.
• K&T wires are less likely than Romex cables to be punctured by nails because K&T wires are held away from the framing.
• The porcelain components have an almost unlimited lifespan.
• The original installation of knob-and-tube wiring is often superior to that of modern Romex wiring. K&T wiring installation requires more skill to install than Romex and, for this reason, unskilled people rarely ever installed it.

Problems Associated with K&T Wiring:

• Unsafe modifications are far more common with K&T wiring than they are with Romex and other modern wiring systems. Part of the reason for this is that K&T is so old that more opportunity has existed for improper modifications.
• The insulation that envelopes the wiring is a fire hazard.
• It tends to stretch and sag over time.
• It lacks a grounding conductor. Grounding conductors reduce the chance of electrical fire and damage to sensitive equipment.
• In older systems, wiring is insulated with varnish and fiber materials that are susceptible to deterioration.

Compared with modern wiring insulation, K&T wiring is less resistant to damage.  K&T wiring insulated with cambric and asbestos is not rated for moisture exposure. Older systems contained insulation with additives that may oxidize copper wire. Bending the wires may cause insulation to crack and peel away.

K&T wiring is often spliced with modern wiring incorrectly by amateurs. This is perhaps due to the ease by which K&T wiring is accessed.

Building Insulation:

K&T wiring is designed to dissipate heat into free air, and insulation will disturb this process. Insulation around K&T wires will cause heat to build up, and this creates a fire hazard. The 2008 National Electrical Code (NEC) requires that this wiring system not be covered by insulation. Specifically, it states that this wiring system should not be in…

hollow spaces of walls, ceilings and attics where such spaces are insulated by loose, rolled or foamed-in-place insulating material that envelops the conductors.

Local jurisdictions may or may not adopt the NEC’s requirement. The California Electrical Code, for instance, allows insulation to be in contact with knob-and-tube wiring, provided that certain conditions are met, such as, but not limited to, the following:

• A licensed electrical contractor must certify that the system is safe.
• The certification must be filed with the local building department.
• Accessible areas where insulation covers the wiring must be posted with a warning sign. In some areas, this sign must be in Spanish and English.
• The insulation must be non-combustible and non-conductive.
• Normal requirements for insulation must be met.

Modifications:

When K&T wiring was first introduced, common household electrical appliances were limited to little more than toasters, tea kettles, coffee percolators and

clothes irons. The electrical requirements of mid- to late-20^th century homes

could not have been foreseen during the late 18^th century, a time during which electricity, to many, was seen as a passing fad. Existing K&T systems are notorious for modifications made in an attempt to match the increasing amperage loads required by televisions, refrigerators, and a plethora of other electric appliances. Many of these attempts were made by insufficiently trained handymen, rather than experienced electricians, whose work made the wiring system vulnerable to overloading.

• Many homeowners adapted to the inadequate amperage of K&T wiring by installing fuses with resistances that were too high for the wiring. The result of this modification is that the fuses would not blow as often and the wiring would suffer heat damage due to excessive amperage loads.
• It is not uncommon for inspectors to find connections wrapped with masking tape or Scotch tape instead of electrical tape.

K&T Wiring and Insurance:

Many insurance companies refuse to insure houses that have knob-and-tube wiring due to the risk of fire. Exceptions are sometimes made for houses where an electrical contractor has deemed the system to be safe.

Advice for those with K&T wiring:

• Have the system evaluated by a qualified electrician. Only an expert can confirm that the system was installed and modified correctly.
• Do not run an excessive amount of appliances in the home, as this can cause a fire.
• Where the wiring is brittle or cracked, it should be replaced. Proper maintenance is crucial.
• K&T wiring should not be used in kitchens, bathrooms, laundry rooms or outdoors. Wiring must be grounded in order to be used safely in these locations.
• Rewiring a house can take weeks and cost thousands of dollars, but unsafe wiring can cause fires, complicate estate transactions, and make insurers skittish.
• Homeowners should carefully consider their options before deciding whether to rewire their house.
• The homeowner or an electrician should carefully remove any insulation that is found surrounding K&T wires.
• Prospective home buyers should get an estimate of the cost of replacing K&T wiring. They can use this amount to negotiate a cheaper price for the house.

In summary, knob-and-tube wiring is likely to be a safety hazard due to improper modifications and the addition of building insulation. Inspectors need to be wary of this old system and be prepared to inform their clients about its potential dangers.