03 Nov

Anti Tip Brackets

THE INSPECTOR’S CORNER
presented by On The Gulf Home Inspection Services

Anti-Tip Brackets for Freestanding Ranges

by Nick Gromicko, Rob London and Kenton Shepard

Anti-tip brackets are metal devices designed to prevent freestanding ranges from tipping. They are normally attached to a rear leg of the range or screwed into the wall behind the range, and are included in all installation kits. A unit that is not equipped with these devices may tip over if enough weight is applied to its open door, such as that from a large Thanksgiving turkey, or even a small child. A falling range can crush, scald, or burn anyone caught beneath.

Bracket Inspection

Inspectors can confirm the presence of anti-tip brackets through the following methods:

It may be possible to see a wall-mounted bracket by looking over the rear of the range. Floor-mounted brackets are often hidden, although in some models with removable drawers, such as 30-inch electric ranges made by General Electric, the drawers can be removed and a flashlight can be used to search for the bracket. Inspectors should beware that a visual confirmation does not guarantee that the bracket has been properly installed.
Inspectors can firmly grip the upper-rear section of the range and tip the unit. If equipped with an anti-tip bracket, the unit will not tip more than several inches before coming to a halt. The range should be turned off, and all items should be removed from the stovetop before this action can be performed. It is usually easier to detect a bracket by tipping the range than through a visual search. This test can be performed on all models and it can confirm the functionality of a bracket.

If no anti-tip bracket is detected, inspectors should recommend that one be installed.

Clients can contact the dealer or builder who installed their range and request that they install a bracket. For clients who wish to install a bracket themselves, the part can be purchased at most hardware stores or ordered from a manufacturer. General Electric will send their customers an anti-tip bracket for free.

According to the U.S. Consumer Product Safety Commission (CPSC), there were 143 incidents caused by range tip-overs from 1980 to 2006. Of the 33 incidents that resulted in death, most of those victims were children. A small child may stand on an open range door in order to see what is cooking on the stovetop and accidentally cause the entire unit to fall on top of him, along with whatever hot items may have been cooking on the stovetop. The elderly, too, may be injured while using the range for support while cleaning. InterNACHI inspectors who inspect ovens should never leave the oven door open while he oven is unattended.

In response to this danger, the American National Standards Institute (ANSI) and Underwriters Laboratories (UL) created standards in 1991 that require all ranges manufactured after that year to be capable of remaining stable while supporting 250 pounds of weight on their open doors. Manufacturers’ instructions, too, require that anti-tip brackets provided be installed. Despite these warnings, retailer Sears estimated in 1999 that a mere 5% of the gas and electric units they sold were ever equipped with anti-tip brackets. As a result of Sears’ failure to comply with safety regulations, they were sued and subsequently required to secure ranges in nearly 4 million homes, a measure that has been speculated to have cost Sears as much as $500 million.

In summary, ranges are susceptible to tipping if they are not equipped with anti-tip brackets. Inspectors should know how to confirm that these safety devices are present.

28 Oct

Foreclosures

by Nick Gromicko and Rob London

A foreclosure is a process by which a homeowner loses their property, usually to a lender or local government, for failure to pay agreed-upon taxes, payments or fees.

Common reasons for foreclosures include: Foreclosure rates continue to rise into 2010

default on loan repayment. The most common way that residences are foreclosed on is through default on mortgage loans;
overdue taxes. If a homeowner owes property taxes, the property can be subject to a tax foreclosure and seized by the local government. Genesee County, Michigan, as a notable example, stands to foreclose on 6,600 properties as a result of back-taxes owed from 2007;
homeowners association (HOA) fees. Many of the 57 million Americans who live in HOAs fail to recognize the power that these organizations wield. In roughly half of the states in the U.S., HOAs are permitted non-judicial foreclosures if owners lapse on their dues. Homeowners in these states have no right to a hearing or to confront their HOA board, or any of the protections usually afforded people to defend themselves against creditors; and
unpaid contractors’ bills. In June 2010, subcontractors filed suit against a church in Florence, Ohio, to foreclose on the 1,400-seat worship center for unpaid bills.

Foreclosures are becoming the norm in property transactions, as 31% of all residential sales in the first quarter of 2010 were homes in some stage of foreclosure, according to a U.S. Foreclosure Sales Report by RealtyTrac. The number of foreclosures is up slightly compared with 2009, a year in which foreclosures were up 2,500% from 2005. Sixty-four percent of homes sold in Nevada in the first quarter of 2010 were foreclosures — the highest in the nation — followed by California and Arizona. Other states where foreclosures accounted for a third of all home sales were Florida, Georgia, Idaho, Illinois, Massachusetts, Michigan, Oregon and Rhode Island.

Most mortgage contracts include an acceleration clause, which gives the lender power to demand accelerated repayment if certain agreed-upon terms are violated. If the borrower falls behind on monthly payments or fails to notify the lender of a property transfer, for instance, the lender can demand that the entire debt be paid immediately. If there is no acceleration clause and terms have been violated, the lender may still be able to file suit against the borrower to recoup the debt.

The borrower may contest a foreclosure in court by challenging the validity of the debt. If repossession is imminent, the debtor must seek a temporary restraining order. If the lender feels that foreclosure is not in their best interests (such as if the value of the property is less than its outstanding mortgage), they may renegotiate with the borrower by lowering the interest rate or premium. Although several government incentives promote renegotiation, most lenders are too wary of re-default to consider it as an option.

If attempts to prevent the foreclosure fail, it will proceed in one of the following three fashions:

judicial foreclosure. Common in Florida, New York, Ohio and Pennsylvania, the mortgager files a lawsuit against the borrower to force the sale of the property. Resulting funds first satisfy the mortgage, then any other lien-holders. If any funds are left over, they will go to the borrower. Judicial foreclosures are available in every state;
non-judicial foreclosure. Common in California and Texas, the mortgager forces the sale of a property without any court supervision. Mortgage holders do not need to file a lawsuit if a “power of sale” clause is included in the mortgage. As the court system has been bypassed, non-judicial foreclosures are faster and cheaper than judicial foreclosures; or
strict foreclosure. Available in Connecticut, New Hampshire and Vermont, a suit is brought against the mortgager who is ordered to pay the debt to the mortgage-holder within a specified period of time. If the mortgager fails to pay, the mortgage-holder gains the title to the property, but they are under no legal obligation to re-sell.

In summary, unpaid taxes, mortgage payments and/or HOA fees can result in a property foreclosure, and the process by which this can take place varies by region and circumstance.

28 Oct

15 Tools Every Homeowner Should Own

by Nick Gromicko and Rob London

The following items are essential tools, but this list is by no means exhaustive. Feel free to ask an On The Gulf Home Inspection Services inspector during your next inspection about other tools that you might find useful.

1. Plunger

A clogged sink or toilet is one of the most inconvenient household problems that you will face. With a plunger on hand, however, you can usually remedy these plumbing issues relatively quickly. It is best to have two plungers — one for the sink and one for the toilet.

2. Combination Wrench Set

One end of a combination wrench set is open and the other end is a closed loop. Nuts and bolts are manufactured in standard and metric sizes, and because both varieties are widely used, you’ll need both sets of wrenches. For the most control and leverage, always pull the wrench toward you, instead of pushing on it. Also, avoid over-tightening.

3. Slip-Joint Pliers

Use slip-joint pliers to grab hold of a nail, a nut, a bolt, and much more. These types of pliers are versatile because of the jaws, which feature both flat and curved areas for gripping many types of objects. There is also a built-in slip-joint, which allows the user to quickly adjust the jaw size to suit most tasks.

4. Adjustable Wrench Caulking gun

Adjustable wrenches are somewhat awkward to use and can damage a bolt or nut if they are not handled properly. However, adjustable wrenches are ideal for situations where you need two wrenches of the same size. Screw the jaws all the way closed to avoid damaging the bolt or nut.

5. Caulking Gun

Caulking is the process of sealing up cracks and gaps in various structures and certain types of piping. Caulking can provide noise mitigation and thermal insulation, and control water penetration. Caulk should be applied only to areas that are clean and dry.

6. Flashlight

None of the tools in this list is of any use if you cannot visually inspect the situation. The problem, and solution, are apparent only with a good flashlight. A traditional two-battery flashlight is usually sufficient, as larger flashlights may be too unwieldy.

7. Tape Measure

Measuring house projects requires a tape measure — not a ruler or a yardstick. Tape measures come in many lengths, although 25 feet is best. Measure everything at least twice to ensure accuracy.

8. Hacksaw
A hacksaw is usefu for cutting metal objects, such as pipes, bolts and brackets. Torpedo level Hacksaws look thin and flimsy, but they’ll easily cut through even the hardest of metals. Blades are replaceable, so focus your purchase on a quality hacksaw frame.

9. Torpedo Level
Only a level can be used to determine if something, such as a shelf, appliance or picture, is correctly oriented. The torpedo-style level is unique because it not only shows when an object is perfectly horizontal or vertical, but it also has a gauge that shows when an object is at a 45-degree angle. The bubble in the viewfinder must be exactly in the middle — not merely close.

10. Safety Glasses / Goggles
For all tasks involving a hammer or a power tool, you should always wear safety glasses or goggles. They should also be worn while you mix chemicals.

11. Claw Hammer
A good hammer is one of the most important tools you can own. Use it to drive and remove nails, to pry wood loose from the house, and in combination with other tools. They come in a variety of sizes, although a 16-ounce hammer is the best all-purpose choice.

12. Screwdriver Set
It is best to have four screwdrivers: a small and large version of both a flathead and a Phillips-head screwdriver. Electrical screwdrivers are Wire cutter sometimes convenient, but they’re no substitute. Manual screwdrivers can reach into more places and they are less likely to damage the screw.

13. Wire Cutters

Wire cutters are pliers designed to cut wires and small nails. The side-cutting style (unlike the stronger end-cutting style) is handy, but not strong enough to cut small nails.

14. Respirator / Safety Mask
While paints and other coatings are now manufactured to be less toxic (and lead-free) than in previous decades, most still contain dangerous chemicals, which is why you should wear a mask to avoid accidentally inhaling. A mask should also be worn when working in dusty and dirty environments. Disposable masks usually come in packs of 10 and should be thrown away after use. Full and half-face respirators can be used to prevent the inhalation of very fine particles that ordinary facemasks will not not stop.

15. Duct Tape

This tape is extremely strong and adaptable. Originally, it was widely used to make temporary repairs to many types of military equipment. Today, it’s one of the key items specified for home emergency kits because it is water-resistant and extremely sticky.

10 Aug

Electrical Safety

Electrical Safety
Electricity is an essential part of our lives. However, it has the potential to cause greatharm. Electrical systems will function almost indefinitely, if properly installed and not overloaded or physically abused. Electrical fires in our homes claim the lives of 485 Americans each year and injure 2,305 more. Some of these fires are caused by electrical system failures and appliance defects, but many more are caused by the misuse and poor maintenance of electrical appliances, incorrectly installed wiring, and overloaded circuits and extension cords. Some safety tips to remember:

Never use anything but the proper fuse to protect a circuit. Find and correct overloaded circuits.
Never place extension cords under rugs.
Outlets near water should be GFCI-type outlets.

Don’t allow trees near power lines to be climbed.
Keep ladders, kites, equipment and anything else away from overhead power lines Electrical Panels
Electricity enters the home through a control panel and a main switch where one can shut off all the power in an emergency. These panels are usually located in the basement. Control panels use either fuses or circuit breakers. Install the correct fuses for the panel. Never use a higher-numbered fuse or a metallic item, such as a penny. If fuses are used and there is a stoppage in power, look for the broken metal strip in the top of a blown fuse. Replace the fuse with a new one marked with the correct amperage. Reset circuit breakers from “off” to “on.” Be sure to investigate why the
fuse or circuit blew. Possible causes include frayed wires, overloaded outlets, or defective appliances. Never overload a circuit with high-wattage appliances. Check the wattage on appliance labels. If there is frayed insulation or a broken wire, a dangerous short circuit may result and cause a fire. If power stoppages continue or if a frayed or broken wire is found, contact an electrician.
Outlets and Extension Cords
Make sure all electrical receptacles or outlets are three-hole, grounded outlets. If there is water in the area, there should be a GFCI or ground-fault circuit interrupter outlet. All outdoor outlets should be GFCIs. There should be ample electrical capacity to run equipment without tripping circuit breakers or blowing fuses. Minimize extension cord use. Never place them under rugs. Use extension cords sparingly and check them periodically. Use the proper electrical cord for the job, and put safety plugs in unused outlets.
Electrical Appliances
Appliances need to be treated with respect and care. They need room to breathe.
Avoid enclosing them in a cabinet without proper openings, and do not store papers around them. Level appliances so they do not tip. Washers and dryers should be checked often. Their movement can put undue stress on electrical connections.If any appliance or device gives off a tingling shock, turn it off, unplug it, and have a qualified person correct the problem. Shocks can be fatal. Never insert metal objects into appliances without unplugging them. Check appliances periodically to spot worn or cracked insulation, loose terminals, corroded wires, defective parts and any other components that might not work correctly. Replace these appliances or have them

repaired by a person qualified to do so.
Electrical Heating Equipment
Portable electrical heating equipment may be used in the home as a supplement to
the home heating system. Caution must be taken when using these heating supplements. Keep them away from combustibles, and make sure they cannot be
tipped over. Keep electrical heating equipment in good working condition. Do not use them in bathrooms because of the risk of contact with water and electrocution. Many people use electric blankets in their homes. They will work well if they are kept in good condition. Look for cracks and breaks in the wiring, plugs and connectors. Look for charred spots on both sides. Many things can cause electric blankets to overheat.
They include other bedding placed on top of them, pets sleeping on top of them, and putting things on top of the blanket when it is in use. Folding the blankets can also bend the coils and cause overheating.
Children
Electricity is important to the workings of the home, but can be dangerous, especially to children. Electrical safety needs to be taught to children early on. Safety plugs should be inserted in unused outlets when toddlers are in the home. Make sure all outlets in the home have face plates. Teach children not to put things into electrical outlets and not to chew on electrical cords. Keep electrical wiring boxes locked. Do not allow children to come in contact with power lines outside. Never allow them to climb trees near power lines, utility poles or high tension towers.
Electricity and Water
A body can act like a lightning rod and carry the current to the ground. People are
good conductors of electricity, particularly when standing in water or on a damp floor. Never use any electrical appliance in the tub or shower. Never touch an electric cord
or appliance with wet hands. Do not use electrical appliances in damp areas or while standing on damp floors. In areas where water is present, use outlets with GFCIs. Shocks can be fatal.
Animal Hazards
Mice and other rodents can chew on electrical wires and damage them. If rodents are suspected or known to be in the home, be aware of the damage they may cause, and take measures to get rid of them.
Outside Hazards
There are several electrical hazards outside the home. Be aware of overhead and underground power lines. People have been electrocuted when an object they are moving has come in contact with the overhead power lines. Keep ladders, antennae, kites and poles away from power lines leading to the house and other buildings. Do
not plant trees, shrubs or bushes under power lines or near underground power lines. Never build a swimming pool or other structure under the power line leading to your house. Before digging, learn the location of underground power lines.
Do not climb power poles or transmission towers. Never let anyone shoot or throw stones at insulators. If you have an animal trapped in a tree or on the roof near electric lines, phone your utility company. Do not take a chance of electrocuting yourself. Be aware of weather conditions when installing and working with electrical appliances. Never use electrical power tools or appliances with rain overhead or water underfoot.

Use only outdoor lights, fixtures and extension cords. Plug into outlets with a GFCI. Downed power lines are extremely dangerous. If you see a downed power line, call the electric company, and warn others to stay away. If a power line hits your car while you are in it, stay inside unless the car catches fire. If the car catches fire, jump clear without touching metal and the ground at the same time.

MORE SAFETY PRECAUTIONS :
Routinely check your electrical appliances and wiring.
Hire an InterNACHI inspector. InterNACHI inspectors must pass rigorous safety training and are knowledgeable in the ways to reduce the likelihood of electrocution.
Frayed wires can cause fires. Replace all worn, old and damaged appliance cords immediately.
Use electrical extension cords wisely and don’t overload them.
Keep electrical appliances away from wet floors and counters; pay special care to electrical appliances in the bathroom and kitchen.
Don’t allow children to play with or around electrical appliances, such
as space heaters, irons and hair dryers.
Keep clothes, curtains and other potentially combustible items at least 3
feet from all heaters.
If an appliance has a three-prong plug, use it only in a three-slot outlet.
Never force it to fit into a two-slot outlet or extension cord.
Never overload extension cords or wall sockets. Immediately shut off, then professionally replace, light switches that are hot to the touch, as well
as lights that flicker. Use safety closures to childproof electrical
outlets.
Check your electrical tools regularly for signs of wear. If the cords are frayed or cracked, replace them. Replace any tool if it causes even small electrical
shocks, overheats, shorts out or gives off smoke or sparks.
In summary, household electrocution can be prevented by following the tips
offered in this guide and by hiring an InterNACHI inspector.

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