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home improvement tv shows
flood!
chimney caps, yes or no?
bankruptcy law 101
slab verses crawl space
winter driving
H4 when it comes to home improvement projects, visual examples can teach volumes. thus enters home improvement television.
how to prepare for, respond to and recover from a flood.
our home inspector recommended that we install a chimney cap on the older home that we are buying.
this is the article that no one hopes to need and we would prefer not to write.
some are built on a slab, and others have crawl spaces. is one better than the other?
safety, tips and the law
H5
H6
strong
before the flood
during the flood
after the flood
after the flood: home and family recovery – working with fema
after the flood: business recovery – working with sba
more information
some ways to help our neighbors
aidmatrix network - iowa
cedar rapids czech & slovak museum
cedar rapids public library
corridor recovery
greater cedar rapids community foundation
embrace iowa 2008 disaster fund
iowa commission on volunteer service
university of iowa foundation
sources for this article which include even more detailed information:
center for disease control
fema – federal emergency management agency
national flood insurance program
sba – small business administration
what is bankruptcy?
are bankruptcy laws determined by federal or state government?
can all debts be erased?
do i need a lawyer?
how long will bankruptcy effect my credit?
do i have to do debt counseling?
what is chapter 7 bankruptcy? (in a nutshell)
what is chapter 13 bankruptcy? (in a nutshell)
more resources
us department of justice - us trustee program
bankruptcy abuse prevention and consumer protection act of 2005
bankruptcy action
lawyers listings
life after bankruptcy
nolo bankruptcy library
us courts - bankruptcy basics
what can you do to prevent bankruptcy?
winter driving safety & tips
winter inspection:
got wheels?
journey prep:
wek:
dress for success:
know before you go!
s-l-o-w:
personal bubble:
it's ice ice baby!
look up!
keep it on main street:
share the road:
double your time:
tell your peeps:
no cruising:
find your pack:
think outside your car:
flex time:
the great melt:
if the worst happens:
legal concerns
the car snowball:
snow tires, studs, and chains, oh my!
b
before the flood
during the flood
after the flood
after the flood: home and family recovery – working with fema
after the flood: business recovery – working with sba
more information
some ways to help our neighbors
aidmatrix network - iowa
cedar rapids czech & slovak museum
cedar rapids public library
corridor recovery
greater cedar rapids community foundation
embrace iowa 2008 disaster fund
iowa commission on volunteer service
university of iowa foundation
sources for this article which include even more detailed information:
center for disease control
fema – federal emergency management agency
national flood insurance program
sba – small business administration
what is bankruptcy?
are bankruptcy laws determined by federal or state government?
can all debts be erased?
do i need a lawyer?
how long will bankruptcy effect my credit?
do i have to do debt counseling?
what is chapter 7 bankruptcy? (in a nutshell)
what is chapter 13 bankruptcy? (in a nutshell)
more resources
us department of justice - us trustee program
bankruptcy abuse prevention and consumer protection act of 2005
bankruptcy action
lawyers listings
life after bankruptcy
nolo bankruptcy library
us courts - bankruptcy basics
what can you do to prevent bankruptcy?
winter driving safety & tips
winter inspection:
got wheels?
journey prep:
wek:
dress for success:
know before you go!
s-l-o-w:
personal bubble:
it's ice ice baby!
look up!
keep it on main street:
share the road:
double your time:
tell your peeps:
no cruising:
find your pack:
think outside your car:
flex time:
the great melt:
if the worst happens:
legal concerns
the car snowball:
snow tires, studs, and chains, oh my!
i
before the flood
during the flood
after the flood
after the flood: home and family recovery – working with fema
after the flood: business recovery – working with sba
more information
some ways to help our neighbors
aidmatrix network - iowa
cedar rapids czech & slovak museum
cedar rapids public library
corridor recovery
greater cedar rapids community foundation
embrace iowa 2008 disaster fund
iowa commission on volunteer service
university of iowa foundation
sources for this article which include even more detailed information:
center for disease control
fema – federal emergency management agency
national flood insurance program
sba – small business administration
what is bankruptcy?
are bankruptcy laws determined by federal or state government?
can all debts be erased?
do i need a lawyer?
how long will bankruptcy effect my credit?
do i have to do debt counseling?
what is chapter 7 bankruptcy? (in a nutshell)
what is chapter 13 bankruptcy? (in a nutshell)
more resources
us department of justice - us trustee program
bankruptcy abuse prevention and consumer protection act of 2005
bankruptcy action
lawyers listings
life after bankruptcy
nolo bankruptcy library
us courts - bankruptcy basics
what can you do to prevent bankruptcy?
winter driving safety & tips
winter inspection:
got wheels?
journey prep:
wek:
dress for success:
know before you go!
s-l-o-w:
personal bubble:
it's ice ice baby!
look up!
keep it on main street:
share the road:
double your time:
tell your peeps:
no cruising:
find your pack:
think outside your car:
flex time:
the great melt:
if the worst happens:
legal concerns
the car snowball:
snow tires, studs, and chains, oh my!
em
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i 61
em 0
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skip to main content about us add your listing use home check to find home inspectors, appraisers and contractors! previous next search for home inspector home inspector contractors architect appraiser mold inspection removal landscaping radon pest inspections wdi thermal imaging septic and well inspection subcategory additions & remodeling appliance brick & stone building designers carpenters carpet & upholstery cleaning concrete construction countertops decks electrician energy audits handyman services heating & furnace systems heating/ cooling landscape architects landscape designers landscaping plumber radon roofing septic tanks & wells siding tile general where search homecheck for a qualified professional near you. add your listing to our network! search such categories as , , , , , , , , , featured articles home improvement tv shows when it comes to home improvement projects, visual examples can teach volumes. thus enters home improvement television. homecheck 1/4/2005 homecheck homecheck.com vince pundt 1/4/2005 when it comes to home improvement projects, visual examples can teach volumes. thus enters home improvement television. these tv shows have been around for over two decades and recently there has been an increase in the number of these shows available. however, viewers be savvy, some of the new shows are more interested in entertainment than thorough craftsmanship. loosely grouped, there are two styles of home improvement television: classic - shows based on a model that details and examines craftsmanship and the tools craftsmen use; and entertaining - shows that focus on the entertaining their audience with quick flashy project run-throughs that end in "before and after" snapshots. what follows is a quick review and guide to some popular home improvement television shows and their web sites. ________________________________ contents: introduction part i: professional home improvement television - web site summaries & links part ii: entertaining home improvement television - web site summaries & links conclusion & more programs ________________________________ part i: classic home improvement television the classic home improvement television shows are based on a more traditional model of a television show that concentrates on craftsmanship and itemizes the details for many of the toughest home improvement projects. viewers gain confidence that they can build the home they want or remodel that old home with personality. these educational programs are some of the longest running home improvement television shows; perhaps the classic model speaks for their longevity. the formula for these shows usually includes: knowledgeable host or hosts, experienced and professional crews, the best or the latest tools and/or materials and finally, a large project that spans over many episodes. this old house is probably one of the most famous and longest running of the home improvement shows (this year is the show's 25th anniversary!). this program covers two major projects every year. during the larger projects, smaller projects are shown in detail and the latest tools and materials are examined. this old house encourages homeowners to be creative and see the potential in their property. however, this program still utilizes the use of professional crews. this should not be lost on the viewer; if you are tackling a whole home makeover, it is best not to do it alone. even the hosts of this show bring in outside experts to show them particular stages of the project. this old house does demystify the renovation process and provides the homeowner with an inside look to what contractors, electricians, plumbers, and other building professionals do for various home improvement projects. this program gives the homeowner the confidence to hire and work with professional craftsmen on their dream home. whereas this old house examines home improvement on the larger scale, its recent counterpart, ask this old house, has the smaller do-it-yourself projects in mind. most of the same crew from this old house run this show as well: general contractor tom silva, plumbing and heating expert richard trethewey, and landscape contractor roger cook. here they showcase their individual strengths and use the host of both shows, kevin o'connor, as their guinea pig and/or punch line. the jokes can be rather quirky and there a few groaners mixed in; however, the information that comes from this show is professional, thorough and easy to follow. the main scheme of the show is to answer questions that come from their viewers. they may answer questions in their studio or as a house call. the house call really illustrates how one may become a do-it-yourselfer as these gentlemen always make the homeowners get their hands dirty. many times the homeowner does most of the project or completes it themselves after the foundation and technique are covered. this show also takes time to showcase the latest tools and materials. the short segment of 'what is it?' challenges all the hosts to identify odd tools that can be used in home repair/improvement (enter the quirky jokes). overall, this classic program gives homeowners a real thorough run-through on some common home repairs and improvements. another show that uses the classic method approach to home improvement is hometime. this show again tackles larger projects and showcases individual aspects of those projects. viewers are encouraged to try home improvement projects but educate themselves first. projects are covered in detail with tools and materials discussed. the techniques for completing the project are covered in detail as well. this serves to give the viewer a good knowledge base. there are only two aspects for viewers to keep in mind about this program. first, many of these projects work with a professional crew; however, the crew is not showcased. instead the hosts spotlight most of the projects themselves. many tasks highlighted can be completed by individual homeowners. however, because the professional crews are not as highlighted, some viewers might be mislead about the amount of work they will have to complete on their own. second, viewer questions and projects are not answered individually. instead, viewers may send in videos of projects they have completed which may or may not have been inspired by the show. neither of these aspects are detrimental to the knowledge provided by this program. hometime has been around for 19 years, it obviously has a format that works for educating viewers about home improvement. home again, hosted by bob vila, is another classic program that examines craftsmanship in home improvement. similar to this old house, which bob vila hosted from 1979-1989, this program covers roughly two major projects per season. parts of the projects are shown in greater detail to showcase craftsmanship and/or technique. the professional crews that complete the large projects are at the forefront and the various specialists are interviewed throughout the show to help explain why they do a tasks a certain way, use this particular material, etc. this show again strives to educate the homeowner and encourage them to think of the possibilities for their home. as quoted from bob vila's site, he encourages the homeowner by letting them know, "you can build what you want. you can revive an older house to suit your personality. you can give your family more space. you can express your individuality through color and style…as long as you have the knowledge to use what works!" thus, this show provides both knowledge and encouragement to the homeowner looking for home improvement help. these are only a few examples of the classic home improvement shows on television. these shows are aimed at educating the viewer in the use of tools, types of materials available and the nitty-gitty facts about how to get some complex tasks done. it would be difficult to cover all the shows here. at the end of this article is included a list of more home improvement television shows and their web sites, take time to check them out and you might find a new favorite! classic home improvement: web site summaries & links same order as article. this old house www.thisoldhouse.com/toh/ this show has been around for 25 years. on the main site you may see current or classic projects where the crew has worked on renovating and building homes inside and out. this show is not about quick fixes and flashy facades. instead this show details good craftsmanship and the latest materials on the market to renovate a home meant to last. the web site does have web cams of current projects in the making. to check one out click here. ask this old house www.thisoldhouse.com/toh/tvprograms/asktoh a fun offshoot of this old house is ask this old house. although the humor is a bit quirky, there is great information for small home improvements and repairs. the show is great if you can catch it. like all the other home improvement shows you can use the web site to get more detailed information about certain products or services highlighted in the show. however, if you want to look at the detailed how to information, you will have to subscribe to the magazine. have a question of your own? you may send a question directly to them online. this question may be answered on the television show or in the magazine. hometime www.hometime.com this site has project advice, information about the show and a variety of products to help you with all your project needs. also find lists of vendors and their contact information for materials you see used on the show. the how-to tutorials on the web site are basic, however, they do offer more free information than many of the other home improvement shows. check out the archives to find past episodes that relate to your own projects. copies of programs can be bought and usually cover one individual tutorial or the whole series related to construction of one house project. this show is interested in the thorough education of its viewers and avoids quick fixes. however do not expect individual attention to your particular project; this show does illustrate how projects (i.e. tiling a bathroom) are done but does not tackle individual, viewer submitted homes/projects. there is a chance to submit video of your own projects as examples of creative improvements and modeling; to find out more click here. home again www.bobvila.com/bvtv/homeagain/ this web site provides a summary of each project. also included are materials used and information to find vendors. a selection of video clips are available online to view segments of the show. these video clips are some of the most thorough and helpful out there on the web. it is a great way to catch bits of the show you missed. the entire project on video is available for purchase as well. check around to the rest of bob vila's site, he showcases other programs he has done such as his guide to historic homes of america on a&e and restore america on hgtv. also, his site gives great home improvement information all around and is worth the exploration. part ii: entertaining home improvement television entertaining home improvement shows have followed the trend in reality television. they are fast paced and include someone who is real (for lack of better definition); a real homeowner who has asked for help. the projects vary in size from one room or area of the home to the entire house itself. these shows strive to be different from the other shows causing some pretty wild and exciting projects. however, attention to details are not the strong point; in fact some shows are in such a hurry to meet the show deadline that the craftsmanship for the project can suffer. however, these shows do offer splashes of ideas and push viewers to be creative, to keep thinking "outside the box." extreme makeover: home edition is a great example of entertaining home improvement. in this show the entire home and landscaping is made over. professional crews have one week to makeover a home for deserving families that really need drastic improvements to their home because of a major life event. the show provides small hints on topics such as how to improve space or what can kind of add-ons can be done on certain homes. each member of the design team takes the viewer through their area of the home and explains why certain things were done to improve the home. most of the show covers the design aspect rather then the nitty-gritty of how the space was remodeled, walls taken out, etc. this show entertains the viewers showing them what home improvement can accomplish but it does little to give an actual foundation in any home improvement projects they may encounter. another extreme makeover style show is monster house. this show truly aims to push home improvement to the extreme. these homes are changed by a team into stylized theme homes; not theme parks, but pretty close! those who volunteer to be on the show want a drastic remodel to their boring home. be careful what you ask for! they get a home based off an interest or passion of theirs. this may include a roman villa retreat, a jurassic find or maybe even treating their dog to the ultimate doghouse! this show doesn't show too much on how too. there are a lot of ideas and you do get to watch some of the challenges the crew faces working on the home and with each other. an added bonus is the teams that work on the house vary. the teams must work together and under the time limit in order to receive prizes of their own. entertaining to say the least! home "improvement" is up to the viewer to decide. one of the most popular home improvement shows (and considered one of the reasons there are so many of theses shows today) is trading spaces. this show isn't traditional home improvement that learns how to fix plumbing or update wiring in an old home. this show is all about the surface elements. in the show two neighbors agree to renovate one room in the others home. with a limit in budget and time it is a mad dash to make renovations and add stylish design. one guest designer directs the project room for each house. under their guidance, decorative and improvement features are added to the space. sometimes there is a larger home improvement project involved, such as new flooring or counter tops. however, there is little detailed guidance to these projects and the neighborly teams just "go for it" as there is more concern for deadlines and looks than craftsmanship built to last. there are good aspects to this show as it has encouraged viewers to try new things and view their living space potential rather than limitations. the entertainment value is definitely there as the before and after on these projects are highly entertaining and the reactions of the homeowners are priceless. finally, another example of an entertaining home improvement show is while you where out. in this program a family member sends a loved one away while they secretly renovate a part of the house for them. like trading spaces, this show is more about design than classic home improvement. however, here the designers really look to please the family rather than shock them. in this way the homeowners really do a get a home improvement to their living space. however, due to budget and time constraints, many projects are done on the surface. additions to the room that require intensive remodeling can unfortunately be rushed and given rough surface treatment. an extra human element is added to this show when loved ones must answer questions correctly to gain extra features for the redesign. this entertaining show can give viewers ideas but some of the rushed means-to-an-end should be viewed with caution. entertaining home improvement shows have found a niche on television. they are fast paced and a final project is revealed for viewers in an hour or less. these shows do not illustrate traditional home improvement projects. they often cut corners or do surface fixes that are more concerned with appearance than lasting craftsmanship. viewers should be careful not to be tricked into the "simplicity" of home improvement projects. however, these programs do offer encouragement to homeowners looking at tackling home improvement projects. in fact, these shows really encourage viewers to consider splashing their personality on the property they own. homeowners are told not be afraid to try something new and push the conventional ideas they may have of what a home should look like. entertaining home improvement: web site summaries & links same order as article. descriptions from show web site. extreme makeover: home edition http://abc.go.com/primetime/xtremehome/ put together one very run-down house, a deserving family, several opinionated designers, seven days and what do you get? the answer is extreme makeover: home edition. the show's successful first season garnered an emmy nomination for outstanding reality program. as this ratings-rich reality series enters its second season, each self-contained episode features a race against time on a project that would ordinarily take at least four months to achieve, involving a team of designers, contractors and several hundred workers who have just seven days to totally rebuild an entire house — every single room, plus the exterior and landscaping. monster house http://dsc.discovery.com/fansites/monsterhouse/ so. tired of that same old living room? well, you could slap a little paint on the walls, maybe. or jazz things up with a brand-new throw rug. you might even slipcover that chewed-up old couch. or ... you could call in steve watson and themonster house crew. sure, you and your family will have to move into an rv for a week and look on as a bunch of strangers tear apart everything you know and thought you didn't love. but remember: they have talents galore, sensitivity to your interests and an unlimited budget. trading spaces http://tlc.discovery.com/fansites/tradingspaces/ ever sit in someone's home and wonder what would happen if you stripped, ripped and painted as you pleased? find out during this one-of-a-kind decorating show when two sets of neighbors swap keys to transform a room in each other's home. they have two days, a set budget, and they're not allowed back into their own homes until the moment of truth. this is how-to with a neighborly twist. while you where out http://tlc.discovery.com/fansites/wywo/ ... a homeowner sneakily sends his or her partner, parent or roommate out of town for a couple of days as while you were out host evan farmer brings in a talented designer and two handy persons to work around the clock to create a new look for an indoor or outdoor space. meanwhile, tlc surreptitiously videotapes the absent party during their getaway, gaining fodder for the pop-quiz portions of the show. prizes are awarded based on the answers that could enhance the finished project — or not, depending on whether the at-home partner can correctly predict the answers of the partner who's "out." all of which leads to the big surprise at the end of each show, when the stunning transformation is revealed and the homeowner announces, "look what happened while you were out!" conclusion there are many home improvement television programs on the air these days. there are the classic style programs that concentrate on craftsmanship and the tools used for various home improvement projects. and there are the entertaining home improvement shows that showcase the human experience related to home projects. these entertainment programs show possibilities but relatively little know-how detail. whichever style you prefer, there is plenty out there to choose from. if you still can't find enough there are now entire cable networks dedicated to the how-to market. these channels have plenty of home related programs to choose from. before tackling the next home improvement project, sitting on the sofa watching tv might actually be a good place to start for education and inspiration! more home improvement programs to check out (descriptions provided by show web sites) american home www.hgtv.com/hgtv/shows_hah05 american home 2005 showcases innovations for the home that are so new they almost haven't happened yet. see the latest products and ideas, from materials to floor plans to appliances. meet the builders, architects, designers and other experts who are setting the trends in the home industry. before & after www.hgtv.com/hgtv/shows_baa hosted by pat simpson, each episode profiles major home remodeling projects from start to finish. past projects include turning a cramped 1950s concrete block home into a spacious new england summer home; adding a second story to a suburban ranch home from the '70s; and adding a wraparound deck to a '60s split-level. before & after is all about turning eyesores into eye-openers. do it yourself network tv www.diynet.com again, for those of you that have cable, this station has a lot of different do-it-yourself projects and improvements for the house. easily find all the shows that have aired pertaining to your project; you may even see when a particular project will air again. a lot of the show details from materials to individual steps are available online. for a complete list of shows go here: www.diynetwork.com/diy/pac_ctnt/text/0,2019,diy_14161_16823,00.html diy to the rescue www.hgtv.com/hgtv/shows_dttr got in over your head with a home improvement project? diy to the rescue can help finish the job! this special presentation from one of our sister networks, diy do it yourself network, brings in a team of experts to help real homeowners finish a problem project in around 48 hours. fix it up! www.hgtv.com/hgtv/shows_fix do it yourself is the motto here, with a program that covers a wide range of self-help home projects. topics range from tiling, refinishing projects and deck additions to landscaping and lawn care--and everything in between that today's do-it-yourself homeowner needs to know about. the early episodes are hosted by pat simpson and amanda rosseter, while newer episodes are hosted by pat simpson and jodi marks. houselift http://home.discovery.com/fansites/houselift/houselift.html houselift is a home remodeling show with a brand-new perspective — the homeowner's. paul hochman, the today show's gear expert, and his wife tricia and their two children experience the fun, excitement, terror and tribulations every homeowner faces when they live through a major home construction project. unvarnished, and with a healthy mix of humor and how-to, houselift demystifies the home renovation process by putting paul in the middle of the job. each show features a key conflict and lots of learning for those considering a foray into this expensive, but ultimately rewarding, territory. included in the mix are financial advisers, real estate agents, concrete experts and even a marriage counselor, who help paul and tricia through the process. fun, engaging and educational, houselift is a hit, literally in the making. in a fix http://home.discovery.com/tuneins/inafix.html we know they mean well, those do-it-yourselfers. but what is that old saying about good intentions? the in a fix team selects a home repair project that has gone terribly, shockingly wrong — gaping holes in ceilings and gutted kitchens. with a complicit spouse, in a fix stages a dramatic "intervention" on the family handyman or woman in desperate need of help. during the hour, they not only fix the problem, they up the ante — a small fix becomes a major re-do. michael holigan's your new home www.michaelholigan.com michael holigan’s your new house, seen on broadcast stations and cable by more than 2 million viewers every week. we promote tips and advice on how to build, buy and remodel the home through our tv show...serve as a source of expert advice and information for consumers on topics relating to: new home construction, the purchase and financing of new and existing homes, the purchase and financing of manufactured homes, residential remodeling, home improvement renovate my family http://www.fox.com/renovatemyfamily/ hosted by best-selling author jay mcgraw, renovate my family is not just a home-improvement show - it's a life improvement program that visits families who have encountered some challenges along the way. sell this house www.aetv.com/tv/shows/sell_this_house/ sell this house™ gets inside the mind of the buyer and the heart of the seller with real life experiences and great advice on how to prepare your house for the market. each week features homeowners desperate to sell and prospective buyers secretly videotaped as they express their observations upon first seeing the house. enter a real estate and home decoration expert who recommends changes. in the end, the house is transformed (on a budget) and the buyers are brought back. will the house sell? for how much? to whom? you'll learn the answers as participants experience the ups and downs of sell this house™. surprise by design http://home.discovery.com/fansites/surprisebydesign/surprisebydesign.html as the saying goes, it takes two to tango. it also takes two — and a few willing friends and family members, if you want to get technical — when you've got a $2,500 budget and just one day to surprise someone with a redecorating or landscape project. that's where our dynamic design team of rebecca cole, robert verdi and peter gurski comes in. toolbelt diva http://media.home.discovery.com/fansites/toolbeltdiva/toolbeltdiva.html as the feisty host of discovery home channel's new series toolbelt diva, norma pairs up with female homeowners to tackle a variety of home-improvement projects. toolbelt diva proves that any woman can take on just about any home-improvement project, and it also has plenty of information and insight for the man of the house as well. town haul http://media.tlc.discovery.com/fansites/townhaul/townhaul.html in town haul, gorder tackles the biggest challenge of her career. she's not just redesigning a living room, family room or bedroom, rather she's remodeling an entire town over the course of several weeks. in an eye-popping television event, she will oversee a team of skilled designers, carpenters and craftspeople as they work alongside townspeople to reimagine, repaint, repair and restore small towns across the united states. weekend warriors www.hgtv.com/hgtv/shows_war weekend warriors celebrates the do-it-yourself trend with a cinema-verite look at people planning, doing and completing weekend home-improvement projects. this series follows such do-it-yourselfers as apartment-dwellers, homeowners, couples, singles and families through the stages of a project to its successful (or even unsuccessful) completion. the focus is on the enthusiasm and the experience of the participants as they improve their home on their own. flood! how to prepare for, respond to and recover from a flood. homecheck 1/9/2008 homecheck homecheck.com vince pundt 1/9/2008 experience is sometimes an unforgiving instructor. at homecheck we learned devastation caused by flood waters first hand when cedar rapids, ia was hit by a massive flood this past june (6/13/2008). homecheck is parented by the company enlighten technologies™ which includes many other businesses in our family such as lawchek®, lawyerslistings, and houselist, to name a few. our headquarters on 1st avenue in downtown cedar rapids was inundated with water after the cedar river crested at 31.1 feet (19.1 feet over flood stage) to overtake 1,300 blocks of the city.* the first floor was completely lost and the second as well when water reached 4 feet on the upper level. a slow road to recovery, we have learned first hand the destructive power of flood waters. reflecting on this experience and the items we have learned, we determined to write an article this month about what to do if a flood hits your home or business. we hope many of our readers never have to use the practical advice in this article. *specifics taken from articles: http://www.usatoday.com/weather/floods/2008-06-15-cedar-rapids-cleanup_n.htm; http://www.nytimes.com/2008/06/13/us/13flood.html?fta=y; http://en.wikipedia.org/wiki/2005_levee_failures_in_greater_new_orleans **weather data: http://ia.water.usgs.gov/flood/flood.html before the flood it is not always possible to know when a flood will happen. it may be caused by an inundation of rain fall. cities in iowa were affected in this way when the cedar and iowa rivers swelled with over 10 inches of rain in only one week.** this can then be compounded when man-made structures give way. this was seen in new orleans when 50 levees broke during hurricane katrina.* so what can you do to protect your business or home before a flood happens? • find out about the land your structure is on. does it sit on a flood plain? what is the threat level? geologists or your county planning department will list these areas by the probability of a flood. for instance, cedar rapids has areas designated as 100 or 500 year flood plains. the flood in june was a 500 year flood. fema offers flood maps detailing current flood risk. simply type in your address and you can look at it online. you also have the option to buy a map, but as long as you are looking online, the service is free. http://msc.fema.gov/webapp/wcs/stores/servlet/femawelcomeview?storeid=10001&catalogid=10001&langid=-1 • now that you know where your home or business stands, what kind of insurance is available? talk to your insurance agent first. if you want to now more about insurance options, especially in higher risk areas, also check out the national flood insurance program at www.floodsmart.gov/floodsmart/. • whether a household or a business, you should have an evacuation plan in place. let family members and employees know what evacuation route to take if water is rising swiftly and an evacuation is ordered. for households you should include a place for everyone to meet whether it is a local shelter or a relative’s/friend’s house. also, families should have an out of state contact that everyone may call to locate each other in case they are separated. • create an emergency kit to be ready at any time. depending on the needs (home or business) some items to consider are: clean water (enough for at least 3 days for every person and animal – generally 5 gallons per person) nonperishable food for 3 days (don’t forget a can opener!) suitcase with an extra pair of clothes and extra blankets or sleeping bags baby kit - baby food, diapers and other supplies pet food, leashes, vaccination info for your pet – you may have to leave your pet at a local pet shelter if you are evacuated as emergency shelters do not allow pets first aid kit – try to include some extra prescription medications (not expired!) or details about any prescriptions so you can refill them if lost in the flood personal hygiene kit – sanitary wipes or gel, soap, toothpaste, feminine supplies, deodorant, etc. flashlights, radio or small tv, and batteries – you may also consider crank flashlights and radios some items to have on hand particular to a flood threat: insect repellent, rubber boots and gloves, and thick shoes • back up your documents! if you are evacuated due to a flood there are certain documents you will need for claims and getting back on your feet. keep a copy of these documents with your emergency kit, at a safe location other than your home or both. at the very least these documents should include: insurance information, social security number, and medical records including any active prescriptions. it would also be a good idea to make a list of emergency contact information including family and friends as well as local and state numbers you may need. • prepare your business or home to resist flood damage. suggestions include: install sump pumps with a back-up source of power, install backflow valves or plugs to prevent sewage entering the home, and make sure any fuel or propane tanks are securely and properly installed. during the flood • once a flood watch or warning is given call local authorities and let them know of anyone who may have special needs and cannot leave the flood area easily. it is extremely helpful for authorities to know who needs help evacuating if an evacuation becomes necessary. ideally, have a friend or family member who will try to get this person out first if it is still safe to do so. this way there is less chance of separation. • get your emergency kit and keep it at hand in case of an evacuation. if you have some prep time before, fill up the gas tank to make sure you can go at a moments notice. if an evacuation is ordered there may be heavy traffic and you may need to go some distance to a shelter. • secure any items outside that might become hazards in water such as garbage cans, lawn furniture, grills, etc. • if an evacuation is imminent: turn off the power and gas. if an evacuation is ordered, evacuate immediately. use the route the authorities have given and make certain not to drive through flooded roads. • if you are not ordered to evacuate, stay home and listen to any future announcements. unless helping a family member or friend for a specific purpose, stay off the roads and out of the way of emergency crews. going to watch is not helpful and can be potentially very dangerous. after the flood • first you will want to contact your insurance company. even if you are not covered for a flood, you will need to contact your agent. this is why it is important to keep documentation with your emergency kit. you need to know your company, agent (if applicable) and your policy number. in the case of evacuation, make certain to specify the address and phone of where you can be reached now. this may also be a friend or relative who can act as a point of contact if you are not immediately near a dedicated phone. they will set up an appointment to meet with you and discuss your losses.if they do not get back in a few days be persistent and call again, just keep in mind they may be overwhelmed with claims. • work with authorities about your return. although this part can be extremely frustrating, in the case of major floods they will want to assess the safety of your return before you may enter any neighborhood or structure. choose representatives, as in the case of cedar rapids the first look at the property was restricted to 1-3 people depending on location. the authorities may have also set up a grade system for the status of your structure. in cedar rapids there were green, yellow and red signs letting owners know whether a structure was safe to enter, enter only with caution or too dangerous and deemed a total loss. • once it has been deemed safe by the authorities for you to return, start the process of sorting your property. do not throw out all items as you will need your insurance agent to see these. however, if the items are considered too toxic to keep around, get pictures and samples of the items before disposing of them. make sure to take all precautions necessary before entering a flood damaged building! click here for more details. • take many pictures of the inside and outside of your structure before cleanup. photograph any standing water, items that have to be disposed of immediately and general survey pictures of each room. also, take pictures of the items that will have to torn out such as the walls, floors, etc. • make a list of all damaged and lost items. this will help when you work with your insurance agent to process your claim. with your agent you will make a proof of loss. this statement is your testimony to the damages suffered. it should be filed within 60 days unless circumstances have allotted more time. once this is filed with your insurance company your claim will be processed, however, it may take some time if the area was hit especially hard. after the flood: home and family recovery – working with fema • fema stands for the federal emergency management agency. as they state on their website they define their type of disaster assistance as “money or direct assistance to individuals, families and businesses in an area whose property has been damaged or destroyed and whose losses are not covered by insurance. it is meant to help you with critical expenses that cannot be covered in other ways. this assistance is not intended to restore your damaged property to its condition before the disaster.” in essence they are there to help those who could not or did not get flood insurance. • items fema will cover are: temporary housing in the instance of evacuation or unlivable conditions, repair for what the insurance company will not cover (this is just until the home is safe, not necessarily with the same materials as before), and permanent housing construction. this last is only available to those who cannot get flood insurance at all due to location. • fema can help with recovery costs that are not directly related to the home. these additional expenses can only be claimed if you live in a disaster area as designated by the president, you have already filed with your insurance company and find you are not covered, and you have serious needs directly related to the disaster. some of these costs listed on the fema website include: disaster-related medical and dental costs. disaster-related funeral and burial cost. clothing; household items (room furnishings, appliances); tools (specialized or protective clothing and equipment) required for your job; necessary educational materials (computers, school books, supplies). fuels for primary heat source (heating oil, gas). clean-up items (wet/dry vacuum, dehumidifier). disaster damaged vehicle. moving and storage expenses related to the disaster (moving and storing property to avoid additional disaster damage while disaster-related repairs are being made to the home). other necessary expenses or serious needs as determined by fema. other expenses that are authorized by law. http://www.fema.gov/assistance/process/assistance.shtm • you can reach fema by calling 1-800-621-fema (3362) or tty 1-800-462-7585 • when making any claim, you should have the following at hand: your social security number, current and damaged address, current phone contact, insurance information, household annual income, routing number to your bank to receive funds, and a detailed description of the losses. • you may be referred by fema to sba which offers low-interest disaster loans. “homeowners may borrow up to $200,000 for disaster related home repairs. homeowners and renters may borrow up to $40,000 to replace disaster-damaged personal property including vehicles.” however, you can not receive duplicated aid already received from fema. • to find currently approved disaster areas you can go online: http://www.fema.gov/news/disasters.fema after the flood: business recovery – working with sba • sba stands for the small business administration which has a specific branch for disasters the office of disaster assistance (oda) that offers federal low-interest, long term loans for “homeowners, renters and non-farm businesses.” an economic injury disaster loan (eidl) is available to small businesses specifically geared towards helping with day to day expenses so a business may continue to operate. • sba can release disaster loans if one or more of the following conditions are met: presidential disaster declaration, • • agency physical disaster declaration (based on a minimum amount lost), governor certification declaration, secretary of agriculture declaration, secretary of commerce declaration, or military reservist economic injury disaster loan (for businesses that lose key personnel who are called to active duty). • for physical disaster loans which help replace an uninsured or under-insured property, an inspection team from sba’s oda will review the site and claims. • applicants do have to show some reasonable ability to pay back the loans. however, since they are low-interest and can be as long as 30 years, they are easier to qualify for than standard loans. • especially with real estate, the sba’s oda will continue contact with the borrower to make certain construction is on schedule and funds are being used appropriately. • you can reach sba by calling 1-800-659-2955 8am-9pm edt. or email them at disastercustomerservice@sba.gov. more information fema and the american red cross have made a pamphlet entitled repairing your flooded home which is available as a pdf. a great resource, page 55 has a very useful emergency contact list as well. click here for repairing your flooded home by fema and the american red cross (pdf) additional pointers from homecheck: cleaning up after a flood (html) battling mold after a flood (html) some ways to help our neighbors downtown cedar rapids, iowa on sunday, june 15, 2008 after the waters have started to recede. aidmatrix network - iowa the safeguard iowa partnership and the iowa disaster human resource council have partnered to provide the aidmatrix network, an easy way to make monetary and product donations to the nonprofit organizations that are assisting in the response and recovery efforts following recent disaster events in iowa. cedar rapids czech & slovak museum www.ncsml.org the national czech & slovak museum & library staff and board continue to work through the challenges of flood recovery. our five museum buildings are cleaned out and secure. visitors from across the country have been calling to plan summer visits. some have already made their way here and are shocked and dismayed to find a sight they never expected - boarded up buildings, sandbars in the garden, and piles of debris. we are assuring them we will survive and be back in business, but it will take time. to us it's surprising there's still a world out there that doesn't know about the flood! cedar rapids public library our public library lost all of the first floor which included books and magazines for adults.the children's book section was mostly recovered. they are currently looking for temporary space: "07 july 2008 - librarians are compiling a list of books and other materials that the crpl’s book distributor will hold until the library has a place to put them. the books will arrive pre-processed, which means that staff will be able to shelve them immediately, saving an enormous amount of time. once the list is compiled, individuals will have an opportunity to select a book from the list to donate. “many of our patrons and supporters have been asking what they can do. this will be a way to help rebuild our library,” says glise. “by fall, we hope to have a wish list available.” corridor recovery corridor recovery is a not-for-profit partnership between government, civic, business and faith-based organizations, created to respond to the flood of 2008. as the flood waters peaked, corridor recovery quickly became the primary resource for materials and information for linn county and cedar rapids. we provide resources for local governments and agencies to distribute flood-recovery information to the public in a critical time of need, and to coordinate volunteer efforts in the clean-up and recovery process. greater cedar rapids community foundation www.gcrcf.org the greater cedar rapids community foundation opened the flood 2008 fund on june 15. the flood 2008 fund is for flood relief and recovery donations. one-hundred percent of financial donations to the fund will support response, recovery and rebuilding efforts throughout the cedar rapids-metro and surrounding communities. the first priority will be to work with local nonprofit organizations to support individuals and families affected by the floods. the gcrcf is committed to helping individuals, families and the nonprofit community recover and rebuild from the catastrophic flood. embrace iowa 2008 disaster fund embrace iowa is a program of statewide outreach by the des moines register. since it already has an established logo, identity, and donation tracking mechanism, the iowa disaster collaborative is using the embrace iowa website as one way for donors to make a donation and learn more about the 2008 iowa disaster fund. iowa commission on volunteer service if you are interested in helping in a particular area of the state, please use this section of our web site to get in touch with local officials, who are collecting a list of where and when volunteers are most needed. university of iowa foundation for those wishing to support the university as it struggles to recover from flood-related damage not covered by insurance or other resources, we encourage contributions to the ui flood relief fund. sources for this article which include even more detailed information: center for disease control cdc.gov (www.cdc.gov) is your online source for credible health information and is the official web site of the centers for disease control and prevention (cdc). cdc is committed to achieving true improvements in people’s health. cdc applies research and findings to improve people’s daily lives and responds to health emergencies—something that distinguishes cdc from its peer agencies. working with states and other partners, cdc provides a system of health surveillance to monitor and prevent disease outbreaks (including bioterrorism), implement disease prevention strategies, and maintain national health statistics. cdc also guards against international disease transmission, with personnel stationed in more than 25 foreign countries fema – federal emergency management agency http://www.fema.gov/ fema has more than 2,600 full time employees. they work at fema headquarters in washington d.c., at regional and area offices across the country, the mount weather emergency operations center, and the national emergency training center in emmitsburg, maryland. fema also has nearly 4,000 standby disaster assistance employees who are available for deployment after disasters. often fema works in partnership with other organizations that are part of the nation's emergency management system. these partners include state and local emergency management agencies, 27 federal agencies and the american red cross. national flood insurance program http://www.floodsmart.gov/ congress established the national flood insurance program (nfip) to address both the need for flood insurance and the need to lessen the devastating consequences of flooding. the goals of the program are twofold: to protect communities from potential flood damage through floodplain management, and to provide people with flood insurance. sba – small business administration http://www.sba.gov/ the u.s. small business administration (sba) was created in 1953 as an independent agency of the federal government to aid, counsel, assist and protect the interests of small business concerns, to preserve free competitive enterprise and to maintain and strengthen the overall economy of our nation. we recognize that small business is critical to our economic recovery and strength, to building america's future, and to helping the united states compete in today's global marketplace. chimney caps, yes or no? our home inspector recommended that we install a chimney cap on the older home that we are buying. patrick mahoney owner/operator of sherlock home inspector 1/8/2004 patrick mahoney owner/operator of sherlock home inspector homecheck.com vince pundt 1/8/2004 q our home inspector recommended that we install a chimney cap on the older home that we are buying. the chimney has not had a cap in it’s 60 plus year life, so why put one on now? a in my practice as a home inspector, i always recommend the installation of chimney caps. chimney caps serve a variety of purposes. they keep animals such as birds, squirrels and rodents from entering the chimney and in some cases the crawl space. a 60 year old home may have had an oil-fired furnace in the crawl space or basement which would have been vented through the chimney. the vent pipe opening provides direct access for critters. it is not unusual for rodents to crawl down through the chimney into the crawlspace seeking a warm place to nest. chimney caps also keep out rain and debris such as leaves that can collect in the flu. chimney caps also serve as spark arresters. most caps are not expensive, and your local chimney sweep can recommend the one that is best for your chimney. bankruptcy law 101 this is the article that no one hopes to need and we would prefer not to write. homecheck 1/3/2008 homecheck homecheck.com vince pundt 1/3/2008 as of december 2007, bankruptcy filings are up 28% from last year and are expected to increase in 2008 due to the combined factors of high household debt and rising mortgage costs. american bankruptcy institute this is the article that no one hopes to need and we would prefer not to write. the word 'bankruptcy' is weighed down by such doomsday words as failure, defeat, impoverishment...well, you're getting the depressing idea. however, it is not 'the end of the world' to declare bankruptcy. instead of running away from this topic, it is time to demystify bankruptcy with a little 'bankruptcy 101.' what is bankruptcy? for most people, bankruptcy is a way to get a fresh start after acquiring too much debt. most individuals who file for bankruptcy will file under chapter 7 or chapter 13. depending on which is filed, one may get most of their debt erased or work out a workable solution with lenders to pay off existing debt. are bankruptcy laws determined by federal or state government? bankruptcy laws are made by the federal government. states can pass laws that protect the "lender and debtor relationship" but they cannot regulate how a bankruptcy is processed or if it is to be granted. can all debts be erased? no. whichever type of bankruptcy is filed, there are certain debts that cannot be erased at all. these include alimony, child support, most student loans and legal judgments against fraud or criminal negligence such as a drunk driving accident. some taxes may be erased, but not all. in fact, taxes have their own set of bankruptcy rules. do i need a lawyer? when filing for bankruptcy it is important to find a bankruptcy lawyer who can help you navigate the process. bankruptcy lawyers specialize in this area of law and are familiar with the distinct differences and effects of the process; they can be your greatest ally in a tough, seemingly bureaucratic system. how long will bankruptcy effect my credit? bankruptcy will stay on your credit report for 10 years. there are ways to improve your credit rating and make yourself more appealing to lenders. for more information on this, check out this useful website: www.lifeafterbankruptcy.com. it is not an easy road back and those filing for bankruptcy should have a realistic expectation to work hard at their future spending practices. do i have to do debt counseling? yes. under the new bankruptcy act passed in october 2005, it is now required that all persons applying for bankruptcy meet with a government qualified debt counselor first. after one has successfully filed for bankruptcy, the debtor must again meet with a counselor before the bankruptcy file will be closed. what is chapter 7 bankruptcy? (in a nutshell) chapter 7 bankruptcy is also known as a "liquidation of debt." a person can file for chapter 7 every 8 years. this usually involves the liquidation of property to pay back debts. an appointed trustee sells all secured, non-exempt property for the debtor and distributes money raised among the lenders. unsecured debts, such as credit card bills and most medical bills can be erased. this may mean the loss of secure debts such as a home. however, most states do have protections for debtors in place to insure they may keep life necessities such as clothing and some furniture. retirement funds such as ira's are also protected and debtors may keep these as well. after the changes to bankruptcy law in october 2005, many debtors may not get approved for chapter 7 and be required instead to apply for chapter 13. in short, if you still have an income and make more than the median for a household of your size in your state you may have to file for chapter 13. to find out if you should be filing for chapter 7 or chapter 13, you can use a mean calculator like the one at legalconsumer.com. again, this is where consulting a lawyer becomes very important. what is chapter 13 bankruptcy? (in a nutshell) chapter 13 bankruptcy is also known as a "reorganization of debt" or the "wage earners' plan." one can file for chapter 13 more often as long as any previous filings are already closed. this is the bankruptcy for those trying to a find a way to get out of debt but still expect to pay off some of their debt. generally speaking, if you still have a source of income and could make payments, just not the high ones you have now, you can be restructured into a debt payment plan under chapter 13. this is the most likely to be used to try to stop a mortgage foreclosure. in this scenario, you can keep the house, car and more than you could under chapter 7. there are limits to the amount of debt that can be restructured. if one is above those limits they would file under chapter 11, however, the average american joe/jane is not in this category. more resources us department of justice - us trustee program www.usdoj.gov/ust/ a complete listing of approved credit counseling agencies is available through links on this web page. [listed by state.] www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm a complete listing of approved providers of financial management instructional courses is available through links on this web page. [listed by state.] www.usdoj.gov/ust/eo/bapcpa/ccde/de_approved.htm american bankruptcy institute www.abiworld.org the american bankruptcy institute is the largest multi-disciplinary, non-partisan organization dedicated to research and education on matters related to insolvency. abi was founded in 1982 to provide congress and the public with unbiased analysis of bankruptcy issues. bankruptcy abuse prevention and consumer protection act of 2005 www.govtrack.us/congress/bill.xpd?bill=s109-256 bankruptcy action www.bankruptcyaction.com the objective of this website is to provide the person, thinking about filing bankruptcy, the information he or she needs to make an informed decision. lawyers listings www.lawyerslistings.com/about.shtm our mission is to present to the internet community an easy-to-use site in which to search for law firms and individual lawyers. life after bankruptcy www.lifeafterbankruptcy.com on this website you'll discover everything i did to recover so quickly...and many other bankruptcy recovery and credit repair strategies you'll find nowhere else. nolo bankruptcy library www.nolo.com nolo is your legal companion, empowering you and saving you money whenever the law touches your work, life or finances. us courts - bankruptcy basics www.uscourts.gov/bankruptcycourts/bankruptcybasics.html bankruptcy basics provides basic information to debtors, creditors, court personnel, the media, and the general public on different aspects of the federal bankruptcy laws. what can you do to prevent bankruptcy? continue to take care of essential bills first: mortgage/rent, taxes, child support, and utility bills. eliminate frivolous expenditures. no more department store credit cards, cable tv, magazine and newspaper subscriptions, etc. be honest about what you can live without with for a while. if you own your home, consider a home equity loan to get rid of high rate debts such as credit cards. watch your credit report. close unused accounts, check for errors and resolve any questions with lenders immediately. know the warning signs: -are you using credit cards to pay off bills or credit cards? -are you borrowing against unprotected debt? i.e. are you borrowing from a credit card to pay the mortgage? when you see you are bouncing debt around and not making any headway, it is a good time to look at credit counseling. warning about credit counseling: if you choose to do debt consolidation recognize that it will effect your credit score. also, make sure you understand how the payments will work and if you can really make the payment - sometimes they are set too high! avoid aggressive lenders. if you begin to get offers for loans that sound too good to be true - they are! there has been a big push to penalize aggressive lenders who only help people acquire more debt. however, they are still out there and you should be a careful shopper of any loans you take. slab verses crawl space some are built on a slab, and others have crawl spaces. is one better than the other? patrick mahoney owner/operator of sherlock home inspector 1/10/2004 patrick mahoney owner/operator of sherlock home inspector homecheck.com vince pundt 1/10/2004 q. we are looking at new homes in south carolina, and we noticed that some are built on a slab, and others have crawl spaces. is one better than the other? a. traditionally, houses in south carolina have been built on raised foundation walls to keep the structure away from the ground, but with the advent of newer technologies, more and more builders are choosing to build homes with concrete slab foundations. briefly, a house with a crawl space has a wooden floor built on foundation walls and piers that can be anywhere from about two to six feet off the ground depending on the slope of the lot. in this type of house, the utilities such as plumbing, electrical and hvac can be run under the floor, and are accessible for repair or renovation. the crawl space has fresh air ventilation, but is closed to insects and animals. this type of construction requires stairs for access. a slab-built house, or patio home, is built directly on a reinforced concrete slab foundation. this slab rests directly on the ground, and the utilities are run under the slab and brought up into the structure wherever needed. the heating and air ducts are routed through the attic in most cases. this type of construction requires no stairs for access. with a house built up off the ground, modest amounts of water entering the crawl space during rainstorms is not usually a problem, because it runs right through or evaporates through the fresh air vents. with a slab house, there is very little tolerance for water draining against the structure, because it will find its way into the house. if you are considering buying a patio home, pay careful attention to the lot drainage. the choice between the two types of construction is largely a matter of personal preference unless someone in your family has difficulty climbing stairs in which case, a slab-built home would be your best choice. regardless of which type of house you choose to purchase, it would be wise to get a thorough home inspection from the most competent inspector in the area. winter driving safety, tips and the law homecheck 1/2/2009 homecheck homecheck.com vince pundt 1/2/2009 a little groundhog has told us to expect another six weeks of winter! already a tough season, many of us experienced firsthand or saw news coverage of winter storms bringing cities and counties to a virtual standstill. whether you live in a winter weather state or are just visiting, snow and other winter weather can drastically effect your ability to get around and keep to your plans. learning some basic driving safety measures and coping tips can help alleviate some of the aggravation. also, although varying by state, understanding winter related laws or ways laws are interpreted to include winter conditions is vital to enjoying a safe winter. below is some safety information we hope you find useful and keeps you safe and warm this winter. winter driving safety & tips winter inspection: prepare you car ahead of time for winter road conditions. check the levels of antifreeze, oil and wiper fluid. examine your windshield wipers for wear and replace them if necessary. got wheels? review your tire tread. if you get snow tires or studs, get your appointment scheduled before the tire stores are inundated. if you are in a state where you may use chains or cables, inspect these when you pull them out of storage. take time to review how to put them on before the snow comes. journey prep: before driving out into a winter wonderland, make sure you are prepared. clear you car of any snow and ice so you can see clearly - this includes any snow around your headlights and break lights. how much gas is in the tank? if you are getting low, plan your route to make this your first stop. stop and consider your physical condition, are you awake and alert? wek: don't be weak - have an winter emergency kit! some items to include in your kit are: first aid kit t travel tool kit blanket(s) gloves, hat, scarf, sweatshirt, etc. jumper cables flashlight and spare batteries road flares matches sand and/or salt ice scraper and snow brush small shovel water energy bars or other high calorie foods (nonperishable) cell phone and charger dress for success: as we hop from one heated building to the next, we don't often consider how we are dressed for the winter weather. adjust your wardrobe for unexpected winter weather. if you insist on traveling in the car in flip flops because the are comfy, make sure you pack thick socks and hiking boots in the back seat in case your car does break down. dress in layers and have spare gloves, a hat, and a scarf in the car. know before you go! check for road condition updates and possible closures. before driving in winter weather make certain to check the local forecast. some of the key weather words are: s-l-o-w: everything slows down: accelerate slower, brake slowly, turn slowly, and travel at slower speeds. enter the time warp willingly and keep your patience and wits about you. trying to rush through anything during poor winter weather is the number one reason people slide off roads or skid into other cars. personal bubble: allow those around you plenty of space. do not crowd other cars and increase the car lengths between you and the next car. it's ice ice baby! if there is ice rain the best option is not to be on the road period. but there are other patches of ice and black ice that may pop up when you consider the roads drivable again. keep in mind that ice forms quickest on bridges and overpasses. also, as the temperatures begin to rise the thawing ice will be much slicker as it melts. if you see the ice ahead of time keep your speed slow. do not hit the breaks! if you suddenly can't hear the road, often the case if you hit black ice, continue forward and take your foot off the accelerator. do not hit the breaks! look up! many times the winter weather makes us concentrate on the road in front of us so much that we forget to look ahead. during this weather is exactly when you should be looking up and ahead; look farther then you may normally. this will give you more time to react to possible sliding cars or hazards in front of you. keep it on main street: plan your routes on main roads. these will be traveled more and are the first to be cleared and sanded. share the road: give plows and sanders plenty of space. three car lengths is the standard suggestion. be patient, many will get over to let traffic pass. always pass with extreme caution and never pass them on the right as that is where all the sludge is going! double your time: as a general rule, double your travel time for all your commutes and usual destinations. tell your peeps: let others know of your travel plans - especially for long distances or during a weather event. let either family or friends know where your are going and the route you expect to take. no cruising: as you shouldn't in heavy rain, do not use cruise control on winter roads. if you begin to slide you may not be able to get out of cruise control quickly. also, depending on the slide/skid, tapping the break may be the last thing you should do! find your pack: have a commute group for severe weather. you can alternate drivers as you battle the extra stress and fatigue of driving in bad weather. encourage it in your community and this can help keep more cars off the road. think outside your car: consider other modes of transportation altogether. if available, consider the bus or train. get really inventive - do you like to cross country ski? just stay on the sidewalk! flex time: check to see if you employer will let you change your hours or work from home. wait until the plows have had a chance to move through the neighborhood and go in late. or plug in the computer and work in your pjs and fuzzy slippers. the great melt: still be cautious after the snow begins to melt away. puddles can easily be hiding monster potholes that grew under the ice during the storm. not only jarring these can do some real damage to your car. besides potholes, be careful of hydroplaning as well. as the water melts it may be caught between mounds of slush leaving the perfect amount of water to send your tires for a little ride. if the worst happens: "if a blizzard traps you in your car, pull off the road, set hazard lights to flashing, and hang a distress flag from the radio aerial or window. remain in your vehicle; rescuers are most likely to find you there. conserve fuel, but run the engine and heater about ten minutes each hour to keep warm, cracking a downwind window slightly to prevent carbon monoxide poisoning. exercise to maintain body heat but don't overexert. huddle with other passengers and use your coat for a blanket. in extreme cold use road maps, seat covers, floor mats, newspapers or extra clothing for covering--anything to provide additional insulation and warmth. turn on the inside dome light so rescue teams can see you at night, but be careful not to run the battery down. in remote areas, spread a large cloth over the snow to attract the attention of rescue planes. do not set out on foot unless you see a building close by where you know you can take shelter. once the blizzard is over, you may need to leave the car and proceed on foot. follow the road if possible. if you need to walk across open country, use distant points as landmarks to help maintain your sense of direction." (tips provided by fema) legal concerns the car snowball: when your car is covered with snow it makes for safer driving if you clear all the snow off - but are you required to legally? technically, in most states, there is not a "snow on the car" law. instead, other laws may be interpreted to include snow. be safe and get your car uncovered completely so you can clearly see around you and don't inadvertently cause hazards. in many states you can be cited if your windshield, rear window and windows are obstructed so you cannot see the road. this is often interpreted to include snow, ice and fog that disrupt the drivers view. how about the snow on your roof or hood that you left there? in many states you will not be cited for this alone, however, if this snow flies off and damages another car (i.e. smacks into and cracks the windshield of the car behind you) then you are liable for any damages. some states are clever and cite snow falling from your car as littering! while you are at it, make sure to clear any snow from your headlights and break lights. this not only helps you light your path, but no doing so may be a citation waiting to happen in some states. snow tires, studs, and chains, oh my! now tires: standard in many snowy states usually there are not penalties for having these tires on past a certain date. check with your local tire stores as they will often store your summer tires during the winter season and vice versa. studded tires: states that allow these tires for winter travel often have a set timeline when they may be used (i.e. in alaska they may be on by september 15th and are due off by may 1st - most states in the lower 48 will have a shorter time allotment). this information can be found at your state department of transportation website (see list to the right) chains: especially if traveling in mountainous states, learn if chains are often required, make sure you have them and learn how to put them on before you go. some flat states also allow chains under certain conditions. check with your state department of transportation for specific requirements or limitations. the following youtube video illustrates how to put on cable style chains. it is sponsored by the oregon department of transportation (http://www.youtube.com/watch?v=_8rvbduyocy): all articles other services lawyerslistingslawsonlinelegalconferencehouse listonline insurancemedical online privacypolicy termsconditions disclaimer this site produced and powered by enlightentechnologies incorporated™.copyright © 1994 - 2017 enlighten technologies incorporated™ ,,,,,,,,,,,,,,,,,,,, sitemap


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