Your home is a big investment, and along with that investment can come big repair bills. What are your plans for covering the costs if you have a significant expense? Preparation can be the key to comfortably tackling those situations as they arise.
Expect the Unexpected
When it comes to home repairs, surprises aren’t much fun. However, with a rainy day fund, you can have peace of mind if you come home to an unexpected calamity. All homeowners must cover some form of repairs and maintenance on a routine basis, and you can likely expect to spend about $2,000 annually on home-related expenses. By dedicating funds to those unforeseen expenses, you can cover costs as they occur without them derailing your budget.
What about Insurance?
Homeowners insurance policies are designed to help protect your investment, but they don’t cover every kind of damage you might encounter. Items like broken appliances and worn equipment, such as water heaters and furnaces, are your responsibility. There are other issues insurance doesn’t cover as well, like damage from mold, power outages, or sewage backups.
Pest infestations also fall to the homeowner, even if they are severe. For instance, termites can cause damage to the basic structure of your home, to the point that discovering evidence should put you into action mode. However, both paying for treatment and paying for repairs are generally not your insurance company’s responsibility; they are yours. To give you an idea of costs, homeowners typically pay between $217 and $869 for termite treatment and control.
Steer Clear of Trouble
Many of the issues your insurance won’t help you with require the assistance of a professional. Should a problem arise, be prepared to do your homework, as there are numerous smart scam artists out there who are ready to prey on unsuspecting homeowners. Watch for red flags, like contractors who say they need payment up front, refuse to put an agreement in writing, or claim they are granting you a “special deal.” If you do happen to fall victim to home improvement fraud, you can take action against the contractor; check with your state’s attorney general.
Hiring Good Help
When researching potential contractors in Red Deer, you should develop a list of criteria you check for each one. For instance, whomever you hire should be licensed and insured, be willing to put a bid in writing, and should be able to provide you with examples of similar work already completed. Ask for and check references, and think about how well you communicate with each candidate. If you aren’t comfortable or feel you aren’t on the same page, keep looking.
Options for Paying
The ideal situation is to have savings set aside to cover your home repair costs. However, expenses can sometimes exceed savings, or they arise before you’ve had a chance to recover from the last hiccup. When this happens, MarketWatch notes you have a few funding options. You can get a home improvement loan or cover expenses with a credit card. Don’t hesitate to be a bit creative as well. For instance, on smaller projects, you can sometimes spread your funds further by doing some work yourself, or purchasing supplies out-of-pocket and then hiring a handyman to complete the task. Perhaps you could swap work with a friend, or arrange a loan from a family member.
Surprise home repairs are no fun, but with the proper preparations, they can be a hiccup in your life as a homeowner, and then you’ll move on. Set aside funds for a rainy day, know your options if you need alternative money sources, and hire good help when you need it. Your home is a significant investment, but those big repairs get much smaller when you have a plan ready for tackling them.
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What To Do With Tree Roots Encased In Concrete
Tree roots can create all sorts of difficulties. Sometimes they lift concrete paths and create a tripping hazard. Ultimately, the lifting or splitting may get bad enough that you want to substitute or fix a walkway. You lift the section of concrete and move it out of the way to find a bunch of big roots.
They could be an inch or longer. A level area is required to pour the concrete. You do not want to eliminate the roots so you question, “Can you shave tree roots?” If so, how do you do that?
Years ago, I meet a Tree Service worker who asked me in frustration, "I build lawns for people to walk on.” I laughed and replied, “That’s funny, I build paths for people to walk on.” The concrete vs. nature argument is an old one. As much as we all may long for a rich, green world, most of us live in a concrete forest. Trees, who have no choice to join the discussion, are often the biggest sufferers of this fight.
Dilemmas with Concrete Over Tree Roots.
Concrete operators are not arborists or landscapers. Their expertise is in laying concrete not planting trees. When a concrete contractor is at your home providing you an estimate on a driveway, patio or sidewalk, that is not the best time or the best person to question on how the concrete will harm trees near the project.
Call a Tree Service Expert in your area
Usually, if you have big trees that you would like to keep safe and strong, you should initially call a Tree Service Expert in your area, if you are residing in the Calgary area, or Central Alberta we recommend Pacifique Tree Care, reliable, on time, and efficient, that is how we describe the work Pacifique delivers. Once you contact your Trusted Arborist in the area to come show you the best place to locate a concrete structure without destroying the tree roots.
A little preparation ahead can save you a lot of cash in tree removal or remodeling concrete. Often, tree roots are pruned or trimmed to make way for concrete blocks. This practice can be very severe for the tree. Roots are what hold tall, top massive trees in to the ground. Cutting larger roots that are anchoring a tree can produce the tree to easily be damaged by high winds and strong climate.
Roots also consume water, oxygen and other nutrients that are necessary to tree growth and progress. If a tree’s roots are cut off, that side of the tree will succumb back from loss of water and nutrients. Cutting roots can further lead to bugs or infections entering the fresh digs and poisoning the tree. Root pruning is particularly dangerous for older trees, although immature roots that are pruned to make place for concrete patios, sidewalks or driveways may grow again.
What you should do with Tree Roots Wrapped in Concrete
Tree roots covered in concrete will not be capable to absorb water, oxygen or nutrients. However, professional concrete workers like Concrete Services Red Deer do not normally pour concrete straight on the bare ground or tree roots. Frequently, a thick layer of sand paver base and/or sand is placed, compacted and then the cement is poured over this.
Seldom, metal grids are also placed beneath the gravel foundation. Both metal grates and a layer of compacted sand will support tree roots grow deeper, bypassing the gravel or grid. Metal plates or rebar used when pouring concrete further assist in preventing large roots from being capable to raise the concrete up.
I poured concrete over tree roots by mistake…now, what to do?!
If concrete has been discharged directly upon the ground and tree roots, not much can be accomplished. The concrete should be displaced and re-done correctly, with a thick paver foundation. This should preferably be away from the tree’s root area. Care should be taken to eliminate any concrete from the tree roots, though the harm may already be done.
A close eye should be maintained on the overall well-being of the tree. Trees do not normally show signs of tension or damage instantly. It can regularly take a year or two to see the consequences produced to a tree.
Cutting Down Tree Roots
Shaving down tree roots is not suggested. It can jeopardize the confidence of the tree. The tree will be vulnerable and more sensitive to blowing over in a gusty storm. All trees and particularly large trees, need roots all the surrounding way to stand tall and heavy. Shaving unearthed tree roots leaves a wound where infection vectors and pests can enter.
Stripping down tree roots is better than completely cutting the roots off, nevertheless. Rather than shaving unearthed tree roots, contemplate shaving the concrete sidewalk or concrete patio to make it more balanced.
Displacing the sidewalk away from the tree by forming a concrete path or narrowing the path in the tree root zone section is another way to avoid shaving unearthed tree roots. Think in creating a scaffold to go over the roots. You can also dig under larger roots and lay pea gravel below them so that the roots can extend downward.
How to Shave Tree Roots
If you must cut the tree roots, you can use a chainsaw. Debarking equipment work as well. Try to shave as little as feasible.
Do not cut any tree roots that are adjacent to the trunk than three times the length of the trunk width at breast height. It is solely too risky for the tree and for people who walk beneath the tree. Do not cut a tree root that is more than 2” in width. A stripped root will heal over in time.
Make sure you set some foam in between the shaved root and the new cement. I particularly don’t suggest shaving or cutting tree roots on big trees. Trees are assets! They improve your property value. See if you can switch your path section or landscape design so that tree roots are maintained intact. If you are dedicated to shaving down tree roots, do so with discretion and caution.
Of course, you want your Calgary home to look so stunning that it makes the neighborhood gossip. And to your information, you have achieved just that. Your yard possesses a verdant lawn, lush flowerbeds, and a collection of impressive, and beautiful mature trees. You have located everything just so for supreme aesthetic effect.
Nonetheless, you’ve mentioned those trees’ roots growing ever closer to your base, your concrete driveway, or your main drain line, and you feel a little concern. You all have heard stories about tree roots bursting through these items and causing costly repairs-and you don’t need to share in that experience.
Here, we’ll outline the signs showing tree roots have infiltrated your home’s foundation. We’ll also tell you how to solve the predicament.
When Tree Roots Penetrate Your Concrete Foundation
Roots unusually create important damage to concrete foundations. Some times, roots may find their way into existing cracks and expand them. But as long as you keep your foundation, you’re unlikely to have any problem with tree roots.
However, if you have especially strong trees, you may have the rare chance to see Mother Nature’s cruel (if somewhat slow) fury unleashed on your house. You’ll see signs like the following:
Again, roots infrequently cause foundation loss. If erosion or other circumstances disturb the soil under your house, you could see the same symptoms.
You will have to examine the roots before you take any additional actions. Dig around the concrete foundation close to your trees and examine if the roots continue toward it and start to grow down. If they do, then they may have produced your foundation difficulties.
Prevent extra damage with these points:
Place root barriers before planting trees. These barriers divert roots deeper into the soil and away from concrete foundations, pavement, pipes, and more.
Trim the offending roots. But, use care with this point. Some trees perish when they lose even a small portion of their roots. A tree-trimming authority has the knowledge to perform this step without hurting the tree. Install root walls and nourish the rest of the tree in the meantime while you wait for it to heal.
Cut down the whole tree and extract as much of the root system as feasible. Sometimes trees grow too fast and extensively for you to control root growth. To save your house, you’ll require to call a tree removal expert to chop down these trees. Your trees perform an important role in your Calgary home’s look, but you can’t leave them there if they could damage your residence.
When Tree Roots Grow Under Your Sidewalk or Driveway.
Some people have trouble with their tree roots when they grow under their concrete sidewalks, driveways, patios, and other shallow, concrete arrangements. And those roots can create some serious problems.
As the concrete cracks and clamps, sections of it will stick up and create a tripping hazard. And because other people usually use your sidewalk, patio, or driveway, they could become wounded.
Watch for the following indications if you presume your trees have disturbed your driveway or sidewalk:
Buckling in the concrete’s surface. The slabs won’t rest flush with each other anymore. To fix the situation, use the same measures you used while safeguarding your concrete foundation:
Speak to your local arborist for more information. He/She can tell you whether chopping the roots or the whole tree works properly for your requirements.
Concrete and Tree Stump Issues
Here's a quick video courtesy of gregvancom Home Repairs showing the different issues with Concrete end Stumps.
More of Concrete Services Red Deer - Do you need a Concrete Slab?
Stamped Concrete, also known to as patterned or printed, is primarily designed to cover outdoor areas like driveways, decks or walkways. The decorative concrete style is getting more and more attractive as it offers a broad variety of patterns, it is solid and durable, and most crucial weather resistant. Notwithstanding the climate conditions – hot, rainy or cold, this material does not peel or flake and will continuously look beautiful.
When you catch the words 'concrete patio,' you reasonably picture a no-muss, no-fuss boring old slab of light-gray tone, but Stamped Concrete is a very another story. Stamped Concrete lets you pull off a high-end appearance without the high-end expense. Additionally, it's strong, easy to install (you can even do it yourself), free of cracks for grass or weeds to grow through, and it's surprisingly customizable. Check out these superb stamped concrete patio approaches for a little inspiration, and before you know it, you'll be creating one of your very own.
Stamped concrete can add an unparalleled look to your patio. It is a cost-efficient material for the exterior of the house, and nowadays many homeowners prefer it for its functionality and the ornamental values. Conventional materials like pavers, brick, or cobbles look great, but due to the point that their surface creates many interlocking pieces, they are sensitive to changes in the underlying surface. With concrete stamps, you dodge that, and you may pick various patterns- brick, slate, flagstone, stone, tile or wood. In this way, your flooring will be unique and beautiful. You could add outdoor decorative elements like fountains or incorporate steps and increase the ornamental value of your concrete floor. The possibility to add a pigment makes it a perfect choice to add style to your home.
It is recommended that you trust to professionals as the process of applying stamped concrete involves pouring slab concrete and then impressing the patterns and textures onto it before it is scorched. The installation process takes time, but in return, the material is long-lasting and easy to maintain. A specific combination of elements provides a successful result. There are many colors, textures, and finishes available and the right process is critical, but you can be confident that your exterior will have a great look and is a cost-effective investment.
A colored and stamped concrete patio flooring is especially suitable for entertaining outdoor areas, outdoor kitchens or firepit surrounds. This type of flooring gives a high-end look of the patio imitating natural stone or pavers, but at a much lower price. The decorative options are numerous, and you can have a customized design which will complement the style of your house. Whether you opt for brick patterns, different stone patterns or even wood wood-grained arrangements will depend on your taste and the wanted visual effect.
English Yorkstone Pattern Stamped Concrete
This is one of the most attractive stamped concrete patterns around, and if you didn't know better, you apparently wouldn't realize that it's concrete! Inspired by natural, fractured stone, this casual interlocking design provides us with the impression that we're looking at painstakingly laid stone tiles. In reality, it's a stamped concrete pattern that's achieved with three imprinting devices. The accessories create broken edges and rounded corners that give the appearance of authentic, hand-cut stone.
Weathered Wood Stained Stamped Concrete
Many stamped concrete professionals offer stamp patterns and concrete stains that simulate the grain and finish of natural wood. Wood patterned stamping devices feature beveled edges that create the impression of individual wood flooring planks. When it comes to enduring the tests of time and weather, your faux-wood stamped a concrete patio is unquestionably a preferred option. And you can constantly re-stain your stamped concrete every few years to intensify the detailed 'wood grain.'
Coble Field Brick Stamped Concrete
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