Almost November- Time to Have The Chimney Checked on Your CT Home!

Chimneys are among the heaviest and most structurally vulnerable of all exterior components of a building.  Accidents caused by their collapse can lead to death.  A collapse can also cause costly structural damage to the building and its surroundings. Inspection, maintenance and preparedness are critical safeguards against chimney collapse.

 

Wind and other elements may cause an already weakened chimney to collapse. An elderly man in Britain was crushed by a wind-toppled chimney as it fell from the roof of the managed-care facility where he lived. This case is, unfortunately, fairly unremarkable, as such accidents occur often for a variety of reasons -- from weathering and wind, to falling tree limbs and poor design.

Chimneys collapse by the hundreds during major earthquakes, typically snapping at the roofline. More than half of the homes in Washington State inspected by the Federal Emergency Management Agency (FEMA)  following the Nisqually Earthquake in 2001 sustained chimney damage.  Chimney collapses were widely reported following the massive-magnitude 7.1 earthquake that struck New Zealand in September 2010.

 

Earthquake damage and injuries can be caused, in large part, by bricks and stones as they fall from chimneys onto vehicles, structures and people. These collapses happen suddenly and without warning.  Collapses can also cause implosion-type destruction as the chimney makes its way through the roof and attic, demolishing part of the living space and injuring occupants below. For these reasons, it is crucial that chimneys, especially in seismically active regions, be inspected periodically for signs of weakening. Following an earthquake, it is even more vital that chimneys be inspected for indications of imminent or future collapse.

 

Chimneys should be inspected for the following defects:

• mortar between the bricks or stones that crumbles when poked with a screwdriver;
• missing or insufficient lateral support -- typically, steel straps -- used to tie the chimney to the structure at the roof and floor levels. Building codes in some seismically active regions require internal and external bracing of chimneys to the structure;
• mechanical damage to the chimney, such as that caused by falling tree limbs or scaffolding;
• visible tilting or separation from the building. Any gap should be frequently measured to monitor whether it is increasing; and
• chimney footing defects, including the following:
  • undersized footing, which is footing cast so thin that it breaks, or does not sufficiently extend past the chimney’s base to support its weight;
  • deteriorated footing, caused by weathering, frost, loose or poor-quality construction; and
  • poor soil below footing, including eroded, settled or otherwise weakened soil, frost heaves or expansive clay beneath the footing.

A more thorough inspection performed to the International Phase I Standards of Practice for Inspecting Fireplaces and Chimneys may also be considered.

 

The following additional precautions may be taken:

• Attach plywood panels to the roof or above the ceiling joists to act as a barrier between falling masonry and the roof.
• Strengthen the existing chimney by repairing weak areas.
• Tear down the chimney and replace it with a flue or a stronger chimney. Keep in mind that tall, slender, masonry chimneys are most vulnerable to earthquakes, weathering, and other forms of wear.  However, even newer, reinforced or metal flue chimneys can sustain significant damage and require repair.
• Relocate children’s play areas, patios and parking areas away from a damaged chimney.
• Instruct family members to get away from chimneys during earthquakes.

Homeowners should contact their local building departments to obtain required permits before starting any significant construction that may affect the chimney structure and/or its supports.

In addition to collapse hazards, leaning chimneys can also make using the fireplace dangerous. Hearth cracks, side cracks in the fireplace, openings around the fireplace, and chimney damage all present the risk that sparks or smoke will enter the living space or building cavities. Check for evidence of fireplace movement. Following an earthquake, homeowners should have their chimney inspected before using the fireplace.

Commercial chimney collapses are rare, but they deserve mention due to the devastation they cause. In one terrible incident in central India, more than 100 workers were killed when a 900-foot (275-meter) tall chimney collapsed on a construction site. One of the worst construction site disasters in recent history, the collapse was blamed on heavy rain. While safety standards are generally more stringent outside of India, commercial chimneys everywhere require inspection.

In summary, chimneys should be inspected to prevent deadly, expensive collapses.

 

Written by Nick Gromicko (All Rights reserved)

Nick Gromicko, FOUNDER. www.nachi.org
International Association of Certified Home Inspectors (InterNACHI) is the world's most elite, non-profit inspection association.
President, ComInspect, www.cominspect.com
Director, Master Inspector Certification Board, www.certifiedmasterinspector.org
Author, 15 books and Co-Host of  www.NACHI.TV

National Real Estate News -Week of 10/28/13 (Video)

This week's national real estate news update -Housing market continues growth, solar energy credits for homeowners, making sure your credit report is accurate. Click here for more- about moving, home buying strategies and interest rates.

Click here for this months newsletter and our video news channel.

Buying or Selling a Home in Fairfield County?  Contact us!

If you have a question about buying or selling Real Estate in  Fairfield County, and are in need of representation, I invite you to contact me. I know the market like the back of my hand, know marketing inside and out, am a skilled negotiator- and I'd love to be on your side :) - Judy

Search for properties on any of our sites, or get the very best visibility available for your home. Visit us online wherever you like: Find out more about Judy here

www.CThomesAndRealEstate.com      www.TheCTrealtyBlog.com     www.TheCTRB.com    and   www.CTfeaturedHomes.com 

 Email us or  call Toll Free (855) GET-JUDY

Amazing Buy in Weston is Open Today from 2-4PM- just $749k

Five bedroom home in immaculate condition has great views and  is priced below market.... So don't miss this home at 135 Davis Hill Road in Weston. (I'll be there, too!)

There is just absolutely nothing to do  but move right in!

This is A LOT of house for the money- Over 3,200 square feet,two fireplaces, three decks, and miles of gorgeous views. Private two acre lot borders town property on the east, and Bridgeport Hydraulic property on the west. Be prepared to see it,  LOVE it, and then call it your own :)

Directions: Lyons Plains to Davis Hill

We are OPEN on 10/27/13 from 2-4PM

Contact Your Host Judy Szablak (203)257-5892

Listed by Gail Zawacki

Buying or Selling a Home in Fairfield County?  Contact us!

  "When You Deserve the Best, You Deserve Judy"

 Buying or Selling a Home in Fairfield County?  Contact us!

If you have a question about buying or selling Real Estate in  Fairfield County, and are in need of representation, I invite you to contact me. I know the market like the back of my hand, know marketing inside and out, am a skilled negotiator- and I'd love to be on your side :) - Judy

Search for properties on any of our sites, or get the very best visibility available for your home. Visit us online wherever you like: Find out more about Judy here

www.CThomesAndRealEstate.com      www.TheCTrealtyBlog.com     www.TheCTRB.com    and   www.CTfeaturedHomes.com 

 Email us or  call Toll Free (855) GET-JUDY

Connecticut Financing Update and Today's Mortgage Rates 10/27/13

Exciting to announce a continued drop in rates compared to last week.  The 10 year treasury is at 2.50%.  In recent months rates have been going higher and higher since early May.  Anyone looking to close within the next short term period then you might be better off locking into a rate now as rates have bounced back a bit in the last couple of weeks.

Today's Mortgage Rates

Conventional 30 year fixed          4.375%     APR 4.432%

Conventional 15 year fixed          3.5%         APR 3.594%

The above rates are based on a loan amount of $417,000 for a single family home, a borrower’s middle credit score of 780 and a 20% down payment.  If you would like a customized rate quote for your own specific loan scenario then please feel free to email me at nima@primeres.com or call me directly at 203.913.6016. 

 

As a lending professional, Nima Rezvan meets a wide range of real estate lending needs, whether it be a first time purchase, second home purchase, or refinance. He welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. With his expertise and knowledge, he will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

With more than 10 years of mortgage lending experience, Nima specializes in  Conventional Mortgages,  Jumbo Loan Financing, Refinance, First Time Home Buyers and Federal Housing Administration/Veterans' Administration (FHA/VA)

782 Clinton Avenue

Bridgeport, CT 06604

Phone: 203.913.6016

Email: nima@primeres.com

"When You Deserve the Best, You Deserve Judy"

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

 The Featured Home of the Week is a 3 bedroom, 2 bath ranch home at 20 Hickory Drive, Westport  for just $550,000. See the virtual tour HERE 

 .....or better yet, call Judy to schedule an appointment to see it!

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

 Buying or Selling a Home in Fairfield County?  Contact us!

If you have a question about buying or selling Real Estate in  Fairfield County, and are in need of representation, I invite you to contact me. I know the market like the back of my hand, know marketing inside and out, am a skilled negotiator- and I'd love to be on your side :) - Judy

Search for properties on any of our sites, or get the very best visibility available for your home. Visit us online wherever you like: Find out more about Judy here

www.CThomesAndRealEstate.com      www.TheCTrealtyBlog.com     www.TheCTRB.com    and   www.CTfeaturedHomes.com 

 Email us or  call Toll Free (855) GET-JUDY

Open House 10/27/2013 at 135 Davis Hill in Weston From 2-4PM- Just $749,000

Wait until you see the VIEWS from this five bedrooms,  three full bath home! And that's besides being nicely updated and extremely well maintained. There is just absolutely nothing to do  but move right in!

This is A LOT of house for the money- Over 3,200 square feet,two fireplaces, three decks, and miles of gorgeous views. Private two acre lot borders town property on the east, and Bridgeport Hydraulic property on the west. Be prepared to see it,  LOVE it, and then call it your own :)

Directions: Lyons Plains to Davis Hill

We are OPEN on 10/27/13 from 2-4PM

Contact Your Host Judy Szablak (203)257-5892

Listed by Gail Zawacki

Buying or Selling a Home in Fairfield County?  Contact us!

*** Get JUDY'S Exclusive BONUS For New HomeBuyers! ***

"When You Deserve the Best, You Deserve Judy"

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

 The Featured Home of the Week is a 3 bedroom, 2 bath ranch home at 20 Hickory Drive, Westport  for just $550,000. See the virtual tour HERE 

 .....or better yet, call Judy to schedule an appointment to see it!

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *

 Buying or Selling a Home in Fairfield County?  Contact us!

If you have a question about buying or selling Real Estate in  Fairfield County, and are in need of representation, I invite you to contact me. I know the market like the back of my hand, know marketing inside and out, am a skilled negotiator- and I'd love to be on your side :) - Judy

Search for properties on any of our sites, or get the very best visibility available for your home. Visit us online wherever you like: Find out more about Judy here

www.CThomesAndRealEstate.com      www.TheCTrealtyBlog.com     www.TheCTRB.com    and   www.CTfeaturedHomes.com 

 Email us or  call Toll Free (855) GET-JUDY