Barrie Home Inspector

Home Maintenance and Tips for Home Owners

Tag: investment

Concrete – Supporting Your Home

Basements, Exterior

Concrete – Supporting Your Home. The word concrete comes from the Latin word “concretus” (meaning compact or condensed), the perfect passive participle of “concrescere”, from “con-” (together) and “crescere” (to grow).  Most information available about concrete is written for contractors, for those who design concrete mixes, and for those who perform invasive testing.

In evaluating concrete problems, one of the important decisions home inspectors must make is determining whether a problem is the result of conditions that have stabilized with a low chance of continuing future problems, or whether the conditions that caused the problem are such that there is a high probability that problems will continue or worsen.

Different factors can affect concrete and the problems that inspectors will see.  How concrete hardens, strengthens and the qualities of its surface depend on a number of things, including the properties of its constituent materials.  Although Portland cement is the most commonly used binder, pozzolans may be substituted. Pozzolans are materials that, in addition to undergoing primary hydration, undergo a secondary hydration, producing a gel that fills tiny voids between cement particles, making concrete less porous and less likely to absorb moisture or chemical solutions that can damage concrete or steel reinforcement.

The constituent materials which are included in the mix, their proportions, the order in which they are combined, the length of time and method by which they are mixed, and the length of time between mixing to placing all affect the quality of concrete. With each decision and operation, there is a chance that mistakes will be made. The environmental conditions that exist during placing, finishing and curing concrete will have an effect on how it develops. The ground and air temperatures, wind speed, cloud cover, and the absorbent qualities of the substrate will affect newly placed concrete.

When initially mixed together, Portland cement and water rapidly form a gel, formed of tangled chains of interlocking crystals. These continue to react over time, with the initially fluid gel often aiding in placement by improving workability. As the concrete sets, the chains of crystals join and form a rigid structure, gluing the aggregate particles in place. During curing, more of the cement reacts with the residual water (hydration).  This curing process develops physical and chemical properties. Among these qualities are mechanical strength, low moisture permeability and chemical and volumetric stability.

Cracks that appear before the concrete has hardened are called plastic cracks.  Plastic cracks are typically due to poor mix design, placement practices or curing methods, and may also be caused by settlement, construction movement, and excessively high rates of evaporation. Cracks that appear after concrete has hardened can have a variety of causes, and sometimes have more than one cause.

Plastic shrinkage is shrinkage caused by the loss of water to the atmosphere. Autogenous shrinkage is shrinkage that takes place with no loss of water to the atmosphere.  Autogenous shrinkage is caused by internal drying, with water being absorbed by the constituent materials in the concrete.  As the long-term chemical hydration process continues – and it can continue for many years — water in the pores within the cement paste is absorbed, and the pores are filled, to some degree, by materials produced during hydration. This process leads to decreased permeability and increased strength and durability of the cement paste. Absorption of water from the pores also causes shrinkage.

When purchasing a new property it is important to have the building inspected by a qualified residential or commercial inspector.  Trust the Barrie Home Inspector for your Residential or Commercial Inspections.  Visit www.guaranteedresidentialinspections.com for more information. As a Certified Building Code Official with over 4,000 inspections your investment will be in good hands.  Experience and knowledge can help protect your investment.

Building Basics by Angus Real Estate Agents

Basements, Exterior

Building Basics by Angus Real Estate Agents. If you are building a wall for a home addition, garage or other structure, it is important to be able to read construction drawings to identify all the dimensions for the walls which are given on the floor plan and elevation. The walls are to be laid out the same as on the floor plan, with all measurements followed exactly. The openings for doors and windows must be placed exactly. It is important that the corners be set on the foundation exactly as given on the detail drawing on the foundation plan. Taking measurements from the foundation or floor plan, and transferring those measurements to the foundation, footing or floor slab is the first step in laying out the wall.

Traditional stucco is made of lime, sand, and water. Modern stucco is made of Portland cement, sand, and water. Lime is added to increase the permeability and workability of modern stucco. Sometimes additives such as acrylics and glass fibers are added to improve the structural properties of the plaster. This is usually done with what is considered a one-coat stucco system, as opposed to the traditional three-coat method.  As a building material, stucco is a durable, attractive, and weather-resistant wall covering. It was traditionally used as both an interior and exterior finish applied in one or two thin layers directly over a solid masonry, brick or stone surface. The finish coat usually contained an integral color and was typically textured for appearance.

In the field of human-wildlife conflicts, probably the most common scenario nationwide is the squirrel in the attic.
Most people become aware that an animal is living in their attic when they hear scampering, or scratching noises above the ceiling. A wide variety of animals choose to live in the attics of buildings, from rats and mice, bats and pigeons, raccoon’s, opossums, and of course squirrels. Most of these animals will oftentimes use other areas of the home as well, from the soffits to the wall voids to the space between floors, so the attic is not the only area you’ll find critters.

A plumbing fixture could refer to a receptacle or device that is either permanently or temporarily connected to the water distribution system of the property, and which demands a supply of water.  Or the fixture could discharge waste water, liquid-suspended waste materials or sewage to the drainage system of the property.  The fixture could also require both a water supply connection and a discharge to the drainage system of the property.  Plumbing fixtures include water closets, urinals, bidets, lavatories, sinks, showers, bathtubs and floor drains.

There should be at least 15 inches of space from the center of a water closet, lavatory or bidet to any sidewall, partition, cabinet or any other obstruction. There should be at least 30 inches of space between adjacent fixtures. There should be a space of at least 21 inches in front of the water closet, lavatory or bidet to any wall, fixture or door. This clearance is for comfortable, adequate space for cleaning and use of the fixture.

A septic tank is used to hold wastewater while the wastewater’s solids and liquids separate.  The heavier solids in the wastewater, called sludge, sink to the bottom of the tank.  There it will slowly decompose.  A properly functioning septic tank will remove 75% of the suspended solids, oil and grease from the effluent.  The lighter, floatable material, called scum, rises to the surface and becomes trapped between devices at the tank’s inlet and outlet, either baffles or sanitary tees.  When wastewater enters the tank, it pushes relatively clean effluent, called “the clear zone” that located in the settling area between the scum and the sludge layers, out of the tank.

The Best Barrie Home Inspector provides visial and Thermal Imaging inspections of all major components of your home.  A small investment considering the expense of buying property.  Visit <a href=”http://www.barrie-home-inspector.com”>The Best Barrie Home Inspector’s Site</a> to arrange an inspection.

Siding and Cladding for Your Home

Exterior

Siding and Cladding for Your Home.  Nothing will impact the appearance of your home more then the siding that’s on it. When shopping for siding you may want to consider what suits your lifestyle as well as the style of your home. Siding is the outer covering ( A.K.A. Cladding ) of a home meant to shed water and protect the home from the effects of weather but it may also act as a key element in the aesthetic beauty of the structure and directly influence its property value. Here are a few types of siding you may want to consider :

Stucco: Traditional stucco is cement combined with water and inert materials such as sand and lime but many homes built after the 50’s may resemble stucco but they actually use a variety of synthetic materials to achieve the same look. Stucco can be tinted to the colour you want and then the need to paint is gone forever. Synthetic stucco siding is lighter then the traditional and is more likely to suffer damage from a hard blow. It is often compromised of foam insulation board or cement panels screwed to the walls and the stucco is applied around it.

As a building material, stucco is a durable, attractive, and weather-resistant wall covering. It was traditionally used as both an interior and exterior finish applied in one or two thin layers directly over a solid masonry, brick or stone surface. The finish coat usually contained an integral color and was typically textured for appearance.
Stucco or render is a material made of an aggregate, a binder, and water. Stucco is applied wet and hardens to a very dense solid. It is used as a coating for walls and ceilings and for decoration. Stucco may be used to cover less visually appealing construction materials such as concrete, cinder block, or clay brick and adobe.

Stone veneer siding: Stone veneer is used as a decorative and protective covering for both interior and exterior applications. Stones like granite , limestone, slate, etc… are not only beautiful and hardly affected by weather , there also really expensive. That’s why precast stone veneers and facings became popular , the can look genuine ( depending on the product) and are also much more affordable the the real thing. The veneer is typically no thicker then 1″ and must weigh no more then 15 lbs per square foot to be installed without additional structural supports. These veneers can be made from natural stone by cutting the stone into thinner pieces or can be manufactured to look like stone.

Vinyl siding: Vinyl siding is one of if not the most popular type of siding. Unlike wood , this durable plastic will not rot or flake. Vinyl is available in several colour and it is said that it will never have to be painted. Advertisements say that vinyl siding is permanent and although it will last a very long time, it is less durable then wood or masonry. Heavy winds have been known to lift panels from the wall and windblown debris and strong hail can puncture it. New technologies are making this material stronger but the sheets may still crack if struck by a lawnmower or snow blower and unfortunately panels cannot be patched, they can only be replaced.

Engineered wood siding: Engineered wood siding is made from wood products and other materials. The panels can be molded to resemble traditional clapboards although it does not exactly look like real wood due to the fact that it’s textured grain is uniform. It does however look more natural then vinyl or aluminium siding. The benefit of engineered wood siding is that it offers all the advantages of of regular wood siding but in addition, it’s termite resistant and it will not rot,crack or split.

Having a Professional Home Inspector inspect your home prior to purchase will allow your new homes cladding to be inspected by a Professional like the Barrie Home Inspector. He will inspect for cladding of siding failure or poor installation techniques. Having all the information available is paramount prior to purchasing real estate, whether for investment or for your new home.

 

CREA Updates Resale Housing Forecast

Real Estate

CREA Updates Resale Housing Forecast.  OTTAWA – May 9, 2011 – The Canadian Real Estate Association (CREA) has revised its forecast for home sales activity via the Multiple Listing Service® (MLS®) Systems of Canadian real estate Boards and Associations for 2011 and 2012.

May 9 2011 Forecast chartNational sales activity is now expected to reach 441,100 units in 2011, a decline of 1.3 per cent from 2010. This is a slight improvement from the 1.6 per cent decline forecast by CREA in February, due to stronger than expected activity in British Columbia in the first quarter of 2011.

“Home buyers expect mortgage interest rates to rise and are mindful of their current and future debt levels. They’re doing their homework to better understand how their mortgage payments and family budget might change down the road before they make an offer,” said Gary Morse, CREA President. “That said, even though mortgage rates have increased recently, they remain very attractive and are keeping financing within reach for many homebuyers,” added Morse. “Some housing markets are hotter than others, so buyers and sellers would do well to consult their local REALTOR® to understand how supply, demand and prices are evolving in their housing market.”

In 2012, CREA forecasts that national sales activity will rebound by 2.6 per cent to 452,500 units. This is little changed from the previous forecast, and stands roughly on par with the ten year average for annual activity.

Although sales activity in the first quarter of 2011 came in largely as expected, multi-million dollar property sales in Greater Vancouver have surged unexpectedly. These sales have upwardly skewed average sale prices for the province and nationally, prompting the average price forecast to be revised higher.

The national average home price is forecast to rise four per cent in 2011 and nine-tenths of a per cent in 2012, to 2,500 and 5,800 respectively. This marks an increase from the previous forecast, and underscores the significant effect that investment in British Columbia is and will have on national results.

“As expected, recent changes to mortgage regulations brought forward some sales activity into the first quarter that would have otherwise occurred later in the year, particularly in some of Canada’s more expensive housing markets,” said Gregory Klump, CREA’s Chief Economist. “This is likely to result in a milder version of the volatility in sales activity that we saw last year.”

CREA expects home sales activity to regain traction after dipping in the second quarter as economic recovery and hiring continues. “While interest rates are expected to rise later this year, they will still be within short reach of current levels and remain supportive for housing market activity,” said Klump. “Continuing job growth will underpin housing demand, keeping the housing market in balance and stabilizing home prices.”

“The extent to which high priced sales activity in Vancouver will pitch up the average price locally, for British Columbia and nationally will likely diminish in the next couple of months in line with a seasonal increase in national activity,” Klump added. “That said, foreign investment in Vancouver residential real estate is showing no signs of slowing, so it seems likely to remain a prominent market feature for some time.”

– 30 –

For more information, please contact:
Pierre Leduc, Media relations
The Canadian Real Estate Association
613-237-7111 or 613 884-1460
Email: [email protected]

* Provincial weighted average price for Quebec; does not affect unweighted national average price calculations. Information on Quebec’s weighted average price calculation can be found at:
http://www.fciq.ca/immobilier-economiste.php

About The Canadian Real Estate Association

The Canadian Real Estate Association (CREA) is one of Canada’s largest single-industry trade associations, representing more than 100,000 real estate Brokers/agents and salespeople working through more than 100 real estate Boards and Associations.

Bank of Canada raises key rate to 1%

Real Estate

Cites U.S. weakness as main risk to Canadian growth

The Bank of Canada raised its target for the overnight rate by one quarter of one percentage point to one per cent on September 8th, 2010. It was the third consecutive quarter point hike. The Bank rate was raised to 1.25 per cent and the deposit rate is now 0.75 per cent.

The Bank noted that, while the global economic recovery is proceeding, it remains uneven. The main downside risk cited in the Bank’s announcement was the recent weakness in the U.S. recovery, saying, “In the United States, the recovery in private demand is being held back by high unemployment and recent indicators suggest a more muted recovery in the near term.”

Owing largely to the weaker profile for U.S. activity, the Bank now expects Canadian growth to be “slightly slower” than it had previously forecast in July. The Bank downplayed the small revision to the outlook, however, saying, “consumption growth is expected to remain solid and business investment to rise strongly. Both are being supported by accommodative credit conditions, which have eased in recent weeks mainly owing to sharp declines in global bond yields.”

While the outlook for the Canadian economic recovery has changed slightly, inflation in Canada has remained in line with the Bank’s expectations. The Bank noted that, while the monetary policy measures undertaken since April have had the effect of modestly tightening financial conditions in Canada, they nevertheless remain “exceptionally stimulative.”

As of September 8th, the advertised five-year conventional mortgage rate stood at 5.39 per cent. This is down 0.1 per cent from a year earlier, and stands 0.4 per cent below where it was when the Bank made its previous interest rate announcement on July 20, 2010. It is also 0.1 percentage points below where it stood at the beginning of the year.

The statement ended with the message, “Any further reduction in monetary policy stimulus would need to be carefully considered in light of the unusual uncertainty surrounding the outlook.” The Bank had previously characterized the uncertainty in the outlook as “considerable.”

Most analysts now expect the Bank to hold off on any further rate hikes this year while it gauges the effects of recent tightening on the domestic economy, and watches the very uncertain situation south of the border. However, the overall tone of the Bank’s statement was more hawkish than expected, and this has led some economists to suggest this may not be the last hike of the year. Much will depend on economic data out over the next month and a half in advance of the Bank’s next decision on October 19th.

The Bank’s next Monetary Policy Report will be published on October 20th. The Bank will make its next scheduled rate announcement on October 19th.

http://creastats.crea.ca/natl/interest_rate_trends.htm

(CREA 09/09/2010)

Bank of Canada raises interest rates further

Real Estate

Bank of Canada raises interest rates further.  Notes slowing global economic growth.

The Bank of Canada increased the target for its trend-setting overnight lending rate on July 20, 2010, raising it by a quarter of a percentage point to 0.75 per cent. The increase follows on the heels of an equal interest rate increase in June 2010, when it was raised for the first time since 2007. The Bank rate now stands at one per cent.

In its most recent interest rate announcement, the Bank marked down its outlook for economic growth globally, emphasizing the uneven economic recovery in the U.S., and weakening prospects for European economic growth.

In the Bank’s view, Canada’s domestic economy is evolving largely as expected in recent months, but trimmed its forecast for economic growth this year and next by 0.2 per cent to 3.5 per cent in 2010 and 2.9 per cent in 2011. While the Bank raised its forecast for Canadian economic to 2.2 per cent in 2012, it nonetheless left the easing trend for growth intact.

The Bank indicated, “[this] revision reflects a slightly weaker profile for global economic growth and more modest consumption growth in Canada. The Bank anticipates that business investment and net exports will make a relatively larger contribution to growth.
Where the domestic recovery had previously been led by housing and consumer spending it is now guided more by government stimulus.”

The Bank also reaffirmed its view that housing activity and household expenditures were pulled forward into the first half of 2010, which is expected to cause them to soften in the second half. It also recognized that business investment has been weaker than it previously expected, “held back by global uncertainties.” The Bank anticipates “that business investment and net exports will make a relatively larger contribution to growth” over its forecast horizon.

As of July 20th, the advertised five-year conventional mortgage rate of 5.79 per cent was down 0.06 per cent from one year earlier, and 0.2 per cent below where it stood when Bank made its previous interest rate announcement on June 1, 2010. However, it is 0.3 percentage points higher than it was at the beginning of the year.

The Bank has signaled to financial markets that it is leaving its options wide open as to whether it will raise interest rates further when it makes its next rate announcement on September 8th.

“As it did with its previous announcement in June, the Bank messaged financial markets that further interest rate increases are not pre-ordained,” said CREA Chief Economist Gregory Klump. “The strength of recent economic indicators have prompted the Bank to raise interest rates, but the Bank has signaled that it may keep rates on hold should the economic recovery begin to show signs of loosing steam.”

The Bank will make its next scheduled rate announcement on September 8th.

http://creastats.crea.ca/natl/interest_rate_trends.htm

(CREA 07/22/2010)

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