Rooftop Decks for Every Style

(BPT) – Fresh air, great views and capitalizing on unused space – it’s no wonder rooftop decks are a hot trend for suburban homes and urban apartment complexes alike.

Once reserved for the urban elite, rooftop decks are popping up all over the country as an attractive option that offers a mixture of space savings and an unrivaled view. The magic of rooftop decks is they take advantage of what was formerly unused space – the top of a building or the flat roof over part of a home – and reclaim it for a unique entertaining area or a family gathering spot.

“Especially when we’re working in cities, rooftop decks are essentially reclaiming space for a family that probably wouldn’t have any outdoor space otherwise,” said James Muckinhaupt, a senior builder/project manager for Mosaic Outdoor Living, a high-end custom deck builder in Colorado.

All that newfound space can present a challenge to designers and the homeowners they serve as they try to define the space to make the most of the rooftop deck’s open layout.

“If designers don’t really delineate the space well, we’ve found the decks end up being a giant space that’s never fully utilized by the homeowner,” James said.

James and his wife, Mary, a custom furniture consultant, offer some advice on how to turn your rooftop deck into a personal oasis and get the most out of the space.

1. Define the Use

Mary said defining how the deck will be used the majority of the time is the top way to make sure the space fits the homeowners’ needs. Questions like, “Will the deck host weekly family dinner?” and “Will you use it daily for drinks and lounging?” help determine whether a kitchen/dining area is needed and how much seating should be included.

“It’s also important to know the average number of people they expect to fit on the deck,” Mary said. “If we don’t furnish and set the deck up so it’s conducive to their needs, we’ve found that people don’t use the deck.”

2. Stay True To Your Style

Most people have a style or color scheme they are already drawn to. A good designer will pay attention to the rest of a homeowner’s space and incorporate that theme into the rooftop deck to create a cohesive style from interior to exterior.

3. Focus On Materials

Materials have a huge impact on the final look of the deck, whether it’s sleek tile, decorative concrete or luxury composite lumber. James said his rooftop decks are primarily Envision(R) composite lumber by TAMKO, because of the wide variety of styles the boards can accommodate, taking on everything from the look of exotic hardwoods to distressed reclaimed barn wood.

4. Add a Covering

Regardless of how the deck will be used, it’s nice to have a covered area to escape the heat of the sun or the rain. Depending on the homeowners’ needs and budget, the covering can be anything from a grouping of large umbrellas to a covered structure with glass walls.

5. Include a Fire Element

If adding a covering helps extend deck season through the extreme heat of summer and the rain of spring, including a fire element extends the deck’s use through the fall and winter. This could be something as simple as a fire pit or as elaborate as a built-in fireplace.

“Between a shade covering and a fireplace, you’re extending deck season to 70-80 percent of the year, depending on where you live,” James said.

6. Work With the Views

In the process of deciding where to add a covering and how to position furniture on a rooftop deck, consider the natural views. One area of the deck may offer superior views, either of nature or of a cityscape. Position furniture to open up to the best view and construct deck coverings and any needed walls, to obstruct any undesirable views.

“The view is one of the best things about a rooftop deck, so we want to focus the seating around whatever is the best view,” Mary said. “If there are great views on multiple sides, we’ll recommend using swivel chairs to give people the best of both.”

The Most Common Causes of Homeowners Insurance Claims

(BPT) – The value of homeowners insurance is often thrust into the national spotlight when natural disasters happen. The devastation and financial loss they can cause reinforces the importance of making sure you have adequate insurance coverage to rebuild if disaster strikes your home. In 2017 alone, the U.S. was struck by 16 separate billion-dollar disaster events, resulting in a record-breaking $300 billion in damage, according to the National Oceanic and Atmospheric Administration.

Thankfully, most Americans don’t experience large-scale natural catastrophes, but millions of homeowners do experience some kind of property loss each year and need to make an insurance claim. The most commonly reported homeowners insurance claims are actually the result of events that can occur at any time, so it’s important for homeowners to be prepared for these potential risks.

Water Damage Claims Are Most Common

“Water claims are the ones we see most often,” says Christopher O’Rourke, Vice President of Property Claims at Mercury Insurance. “While certain perils are seasonal, water damage can occur any time of year. It’s important for homeowners to conduct routine maintenance of appliance hoses and water pipes to make sure there aren’t cracks or leaks and, if any are detected, have them repaired or replaced immediately.

“Another thing everyone can do to protect their homes from leaks is turn off their main water supply when they’re away for an extended period of time. No one wants to return from a relaxing vacation to find water running through their home.”

Smart home technology also delivers an extra layer of protection for homeowners by providing 24/7 monitoring to help detect water pipe leaks. Professionally installed water pressure sensors, for example, work with most smartphones and can, among other things, automatically shut off the home’s main water supply if a leak or burst pipe is detected. And the best part is that insurance companies like Mercury Insurance will often provide a discount for homes that implement this technology.

O’Rourke also notes that most homeowners insurance policies don’t cover flood damage caused by rising water from storms or overflowing bodies of water, so he recommends homeowners consult with their local insurance agent to learn how to protect against these types of events.

Fire Damage is a Concern For Homeowners

While water claims are the most common, fire damage is another possible concern for homeowners and can be caused in several ways. The National Fire Protection Association reports nearly half a million structure fires occurred in 2016, resulting in $7.5 billion in property damage, and wildfires ravaged California in 2017, leading to one of the year’s billion-dollar disaster events. O’Rourke suggests controlling the things you can and mitigating against the perils you can’t.

“Most home fires happen when people are inattentive or negligent. These fires are preventable if people don’t leave things like lit stoves, fireplaces, candles or portable heat sources unattended. You should also refrain from overloading electrical outlets and using appliances with frayed electrical cords,” he says. “These things seem like common sense, but it’s amazing how many claims we see that result from simply not paying attention.

“Wildfires can be extremely scary and dangerous and there is often little warning when they sweep through areas, leaving homeowners little time to protect their homes. Most of this work needs to be done before a fire erupts. Homeowners can mitigate against this risk by keeping their yards free of dry brush, grass clippings and twigs, keep tree branches trimmed and bushes pruned. They should also make sure their roofs and gutters are cleared of leaves and debris.”

Theft Can Be Costly

Theft doesn’t necessarily pose a threat to the physical structure of a home, but it too can be costly and it often leaves homeowners feeling scared and violated. The FBI’s Universal Crime Report estimates 1.5 million burglaries occurred in 2016 – with residential properties accounting for 69.5 percent of these offenses.

Homeowners can help safeguard against theft by taking simple, but often overlooked precautions like ensuring doors and windows are locked, and not leaving spare keys in easy-to-find locations. Several smart home devices can also aid in deterring potential thieves by allowing homeowners to adjust lights, monitor security cameras and activate security systems from their smartphones even when they’re away from home.

“Our claims team strives to get our customers back on their feet after a loss. Our hope is that people never experience such an event in the first place, but if they do we want them to know that it is our goal to help them get their lives back to normal as quickly as possible,” adds O’Rourke.

Mercury Insurance provides homeowners with additional tips to protect against common insurance claims. Visit https://blog.mercuryinsurance.com to learn more.

Hard Water Proves Hard on Your Wallet

(BPT) – Hard water, which contains high levels of calcium and magnesium, can be found in nearly 90 percent of American homes. These minerals cause scaling, a buildup that clogs waterlines and plumbing forcing appliances to work harder and operate less efficiently. The scale may also harbor bacteria. The only way to truly remove the hard and soft scale from household water systems is with salt-based water softeners.

The environmental and cost benefits of salt-based water softening are significant. Hard water scaling can cause your showerhead to lose up to 75 percent of its flow rate in just 18 months. Hard water also interacts negatively with soap, reducing its cleaning power. Soft water is up to 12 times more effective at cleaning dishes than increasing the amount of detergent used.

According to the Water Quality Research Foundation for washing machines, the most important factor in removing stains from clothing was water softness. Reduction of water hardness was up to 100 times more effective at stain removal than increasing the detergent dose or washing with hotter water. In fact, soft water can reduce soap use by as much as half. Hard water can also reduce the efficiency of water heaters and increase electricity costs by as much as 48 percent, according to the Battelle Memorial Institute.

Hard water scaling doesn’t just harm your appliances and wallet, it can harm your health as well. The piping used in home plumbing, whether it is copper or PVC, has very smooth interior surfaces that don’t permit bacteria to settle and grow. However, hard water results in scale formation on the interior surfaces of those pipes and that provides a perfect home for bacteria.

Researchers at the School of Sustainable Engineering at Arizona State University found bacteria may grow in pipes filled with both hard scale and soft scale at the same rate. This is important new information because some forms of water conditioning produce this soft scale. The only solution is to remove both hard and soft scale in the pipes with a salt-based water softener.

Hard water you use to wash your fresh fruits and vegetables may actually contain more bacteria, and the problem isn’t only in the kitchen. When you take a hot shower the steam you are inhaling can also contain the same microbial contamination that is in the rest of your plumbing, exposing you to bacteria such as Legionella, which can cause Legionnaire’s disease.

A salt-based water softener is the most functional and cost-effective means of removing hardness minerals. It is a time-tested, highly reliable tool to improve health and to lower maintenance costs for home appliances like dishwashers and washing machine. It also reduces the need for detergents and high-water temperatures, leading to a smaller household carbon footprint.

Call Before Digging When Landscaping This Spring

(BPT) – With spring having officially begun, many eager homeowners and landscape professionals across the country will roll up their sleeves and reach for their shovels to start projects that require digging this season.

During the transition into “digging season,” Common Ground Alliance (CGA), the organization dedicated to protecting underground utility lines, people who dig near them, and their communities, reminds homeowners and professional diggers that calling 811 is the first step toward protecting you and your community from the risk of unintentionally damaging an underground line.

Every digging project, no matter how large or small, warrants a free call to 811. Installing a mailbox or fence, building a deck and landscaping are all examples of digging projects that should only begin a few days after making a call to 811. Calling this number connects you to your local one-call utility notification center.

According to data collected by CGA in a phone survey in February, millions of American homeowners will likely do DIY projects involving digging this year, but 36 percent of them do not plan to make a free call to 811 before digging. Extrapolated to the full population of U.S. homeowners, approximately 48.3 million people will dig this year without first calling 811.

A utility line is damaged every nine minutes in America because someone decided to dig without making a call to 811 to learn the approximate location of buried utilities in their area. Unintentionally, striking one of these lines can result in inconvenient outages for entire neighborhoods, serious harm to yourself or your neighbors, and significant repair costs.

As a result, CGA offers the following tips to make sure you complete your project safely and without any utility service interruptions, so you don’t become a statistic.

Here’s how the 811 process works:

1. One free, simple phone call to 811 makes it easy for your local one-call center to notify appropriate utility companies of your intent to dig. Call a few days prior to digging to ensure enough time for the approximate location of utility lines to be marked with flags or paint.

2. When you call 811, a representative from your local one-call center will ask for the location and description of your digging project.

3. Your local one-call center will notify affected utility companies, which will then send professional locators to the proposed dig site to mark the approximate location of your lines.

4. Only once all lines have been accurately marked, carefully dig around the marked areas.

There are nearly 20 million miles of underground utility lines in the United States, which equates to more than a football field’s length of utilities for every person in the U.S. Your family depends on this buried infrastructure for your everyday needs including electric, natural gas, water and sewer, cable TV, high-speed Internet and landline telephone. With that much critical infrastructure underground, it’s important to know what’s below and call 811 before digging.

To find out more information about 811 or the one-call utility notification center in your area, visit www.call811.com.