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HOMECHECK 
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JUNE 2009

INSURANCE COVERAGE IN AN ECONOMIC RECESSION: Limiting Your Risk When Cutting Costs! 
Lately, when we turn on the news, we hear about a troubled economy and an unstable job market.  The constant barrage of bad news has encouraged most of us to cut spending wherever possible.  Perhaps a household will cancel cable TV for a year, limit their cell phone plans, reduce the number of times they eat out as a family, or tackle another cost reducing option.  As many different "belt-tightening" measures are taken, everyone should be careful they don't cut the essential items.  One annoying essential is the cost we pay for insurance - there is no guarantee we will need it in the near future (in fact, we hope to need it as little as possible), however, if an accident does happen and we don't have coverage, the costs could send us into bankruptcy.  Understandably, if a bread-winner of the household loses their job, it is tempting to cut costs where we cannot see the immediate need.  This said, it is far better to reduce coverage than to go with no coverage at all.

THE BIG BAD HOME INSPECTION:  Are You Afraid of Home Inspections?
No matter whom you talk to that is involved in a home sale transaction, whether it be the owner, buyer or real estate agent, everyone has a certain amount of reservation concerning a home inspection or “termite” inspection. But why?  All that it entails is basically a visual inspection of the home and a short written report, right? So, who’s afraid of the big, bad home inspection? Everyone it seems!

How To Hire A HOME INSPECTOR!
So, you are buying or selling a home and you feel that you need an experienced professional to inspect the property so that you go into the sale/purchase knowing everything that you need to know to make the proper decisions and arrive at the dollar/value amount that the property is worth to you. But, how do you go about it? All of the Inspectors’ ads seem the same - they all tout the same lines of how great they are, etc., etc. It’s impossible to get a referral because you really don’t know anyone who has bought or sold a home recently, and you surely don’t trust the Realtor's choice because you are pretty sure the Inspectors that they use are “their good Ol' boys” that solicit the Realtors for work. So, what’s a person to do?



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