General Information

1. Does the contractor have liability insurance? If something goes wrong who will cover your loss. I heard of a roofing problem in the summer of 08 they tore off the roof and installed a new roofing system. It looked good it didn’t leak, but when the roofers were tearing off the old roof they inadvertently unlocked the furnace flue pipe 8’ below the roofline. When the flue pipe was re-shingled into place the pipe was 1/2 on and 1/2 off the lower pipe venting carbon monoxide into chimney chase and ultimately into the house attic. They didn’t find the problem for 5 months, thank God no one died. When Natural gas or LP gas is burned it gives off carbon monoxide and a lot of water. The water leaves the furnace at about 350 degrees; at this temperature it’s steam being forced into a cold attic with a lot of cold surfaces. When the steam touches a cold surface it changes to water or ice. In this case about 2 inches of ice crystals on under side of the roof decking, on the trusses and on the surface of the attic insulation.  A quick calculation looks like about 200 gallons of water frozen in the attic. Looking at this job after the facts all the insulation in the attic has to be removed the roof sheathing has to be checked for soundness and may have to be replaced as well as the sheetrock ceiling. You might need new flooring also if the ice melted before you removed it, because it will follow the wall stud cavities to the main floor and under your carpets, or cupping you hardwood flooring.
This is only 1 thing that can go wrong; there are many other situation I have heard about.
2. Does the contractor have worker compensation insurance?
If person falls or get hurt in any way while on your property (grass, sidewalk, inside your house, etc.) you’re at fault, unless the contractor has workers compensation insurance.

Rules for hiring a contractor:

General Information
1. Does the contractor have a state license to do the type of work needing to be done?
2. Does the contractor have liability insurance? If something goes wrong who will cover your loss.
3.  Does the contractor have worker compensation insurance?
If a person falls or get hurt in any way while on your property (grass, sidewalk, inside your house, etc.) you’re at fault. Unless the contractor has workers comp. insurance.

4. Make Sure All Subcontractors and/or Any Person Coming Onto Your Property Has Legal Workers Compensation and Liability Insurance.
5. Does this person have the brains to pull off this type of job?  Watch out there a lot of cons out there calling them contractors only wanting to separate you from your money.
6. Can he/she prove what is being said in writing; a contract that protects you the Homeowner?
7. A lot of people have go good intentions but no knowledge or life experience to draw from.
8. There are 3 classifications of quality of work
A.  Poor and well below sub standard workmanship
B.  Just Average on workmanship
C.   Excellent work- any worker just above average ends up excelling to excellent static because of the person himself, I’ve seen this time and time again.

9. 2nd Classifications of motives.
A. Money is a good motivator
B. The lack of money is a poor motivation
C. Lack of time for said job or out of on contracts personal bills
D. The only job available this one, actually scores just above average
E. Actually caring for his work and the client.

Now is the contractor your hiring going to hire subcontractor with substandard work or money problems? Remember this your project is to be a work of art not a novel of science fiction.

Insurance companies- claims

Insurance agents sell you on the fact that when you sign up with an insurance company you will have full coverage minus the deductible. You set the deductible amount than this sets the payment schedule. In Minnesota if you have hail damage on the roof and/or siding the insurance company only has to replace the damaged sides of the roofing, and siding on the sides that were damaged. Even if the color does not match from old to new roofing and siding, this is the Minnesota law. Another clever word the insurance companies use is “depredation” they use this word in a cleaver way to avoid payment of funds. Example a house was build 15 years ago with a 25-year shingle they say 3/5’s of the shingle life is gone. The insurance company call it depreciation the roofing job costs $3,000.00 x deprecation (3/5) = $1,200.00 minus the deductible is the check they give you. Yet the coverage you bought for insurance was full replacement value. What they have done is swatted the phrase (% of funds until completion) with the word (deprecation). When the roof is completed, and you force them, then they will pay the balance of the deprecated funds being held, But not the bill incurred by the homeowner. What do you mean? The actual bill for a new roof costs $11,000.00
Yet when you have to have your roof torn off and reshingled because of hail. The insurance companies don’t play fair. The insurance company gives you enough money for the homeowners to reshingle and side the buy themselves with no contractor help. The money you got from the company is enough to pay for the permit and supplies only.
Have fun. .
Minnesota requires that the building contractor must be licensed to work in Minnesota. To get a license you must have 7.5 hours of schooling a year.
Liability insurance must be above 300,000.00, and Workmen’s comp. Insurance.
The contractor has a lot of overhead that must be spread over the 250 working days for the year.

Yet with construction there are always rough weeks were we have to work 60-80 hours and other weeks there is no work. On the average we work 35 hours a week because of this the office overhead has a shortfall of funds Taking money out of the owners pocket lowering his wages.
With the way the insurance companies are paying out funds to get theses houses fixed. Good contractors will not fix insurance claim houses, leaving the door open for poor quality and scam artist contractors willing to do these jobs. Hugo city hall is very upset about the poor quality of contractors working in their city. They can’t figure out how to get a better caliber contractor to do these jobs.

Attic spaces

Older homes have a large advantage over new homes. The designs of these gracious older homes have large attics with fun ways to convert theses spaces into unique personal rooms.
dscn2762b.JPG
In this attic space we converted a trusses roof system to create a personal office for this family.


We had some fun with personal area we installed quarter sawn white oak with accent walnut strips in the corbels, top rail of the panel system and the desktop edging.

Old fashion heating systems leave tracks

Oil fired heating plant (furnace or boiler system) needs maintenance by a good oil burners service man. There are a lot of service men but only 1 out of 10 Service men are really any good, and of these 1/2 of theses guys are great. With a good burner system and a great service man these heating plants will run great for years. An inexperienced service man will miss the tell tail signs the heating plant needs help. The picture below could tell a heating man what is happening before he even gets to the heating plant.

The picture you are looking at is not mold but instead it’s dirt. In this photo this house has hot water heat. There is no air filtration system in this house, as small dirt particles migrate into the wall mounted radiator (baseboard heat) heats the air as it passes by but the dirt is charged with static electricity than the particles are carried up the wall with the warm air. This is where the charged particle bond cooler parts of the wall. The framing of the house keeps the sheetrock cooler directly in front of the studs in the winter and warmer in the summer. This also happens with electric baseboard heat. Using an air purifier such as a Honeywell 17000 HEPA Quietcare Air Cleaner works great removing all the particulate in the air.
picture-60.png