RE/MAX 440
John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

Flood Insurance: Your Property's Safety Net

January 28, 2015 1:00 am

Floods are a year-round hazard, even in cold weather. According to FEMA, it’s important to understand the unique flood risks associated with winter and prepare an emergency plan well in advance of any snowstorm and subsequent flooding.

Many homeowners mistakenly believe that their insurance policy covers flooding, but only flood insurance financially protects properties from damage. It typically takes 30 days for a new flood insurance policy to take effect, so residents should not wait for a storm to strike before purchasing coverage. It only takes a few inches of water in a home or business to cause thousands of dollars of damage – between 2006 and 2010, the average flood claim was nearly $34,000!

While no one wants a flood to impact their home, federally-backed flood insurance through the National Flood Insurance Program (NFIP) offers a financial safety net to help cover repair or replacement costs.

If your home has experienced flooding, file a claim by contacting your insurance agent, documenting your damaged property and filing a Proof of Loss form within 60 days of the flood. Keep in mind as you go through this process that you do not need to wait for a Presidential Disaster Declaration to file a flood claim, and your policy cannot be canceled for making a claim.

Source: Ready.gov

Published with permission from RISMedia.


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Easiest Home Fixes with the Most ROI

January 28, 2015 1:00 am

Whether you’re planning to sell your home, or you simply want a more updated look, there are any number of cheap, simple fixes, from new paint to new curtains, that will improve its overall appearance. But, said home contractor Scott McGillivray, host of HGTV’s Income Property, these seven relatively inexpensive fixes can give you more return on investment (ROI) than many – both in terms of home improvement value and easy-on-the-eye enhancement you can enjoy.

Start with these, McGillvray blogged:

Kitchen hardware – Today’s drawer and cabinet pulls come in dozens of styles and finishes. Installing a style that appeals to you can immediately make a dated kitchen look more modern and functional.

Refinished hardwood deck – An attractive deck is high on the list of improvements with proven ROI – especially if the deck is more than 100 square feet in size.

Heated floors and towel racks
– In cold weather regions, heated tile floors and/or heated towel racks in the bathroom can add a surprising amount of value – especially is there is no other heat source in the room.

Chic moldings - One of the easiest ways to get a high-end look at a reasonable price is with applied moldings on living room and dining room baseboards and ceilings.

New front door – Dollar for dollar, a new front door delivers a terrific ROI – as are other exterior updates like new windows and siding, which are highly appealing to future buyers looking for security and insulation.

Garage storage
– Shelves, organizers, and work benches in the garage can make any homeowner’s life easier. No need for custom work. You’ll find all you need at home improvement stores.

Neatness counts
– Nothing ensures curb appeal and improves a home value more than thorough and consistent maintenance, McGillvray said. So mow the lawns, clean the gutters, and keep the windows clean.

Published with permission from RISMedia.


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