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josephcsylvia

The "JOY" of home ownership!

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Might want to use greenboard behind & above any new bathroom fixtures after a thourough bleaching. The copper pipes used in most of the areas homes built in the late 70's, 80's & 90's were developing leaks & nearly everyone had to have Pex pipe installed with all the cooper pulled from behind the drywall & wet 2 X 4's. Currently having developers building at higher elevations & county inspectors signing off on creating Florida swampland in the middle of a residential neighborhood; saying everyone that lives in Florida wants waterfront property, from never before encountered drainage is headed towards making a backyard sinkhole from yet another house across the street from the latest improperly landscaped property.

Be careful using bleach in an attempt to kill mold. Bleach is an oxidizing agent and can encourage rust. Also Bleach will not reach far enough into such porous surfaces as wood that mold will reach. There are better and more effective products. We found this out in Louisiana after the flooding of August, 2016 when mold kept coming back to surfaces repeatedly treated with bleach. It is what happened to my daughter's home.

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Figures where association of odds in that building inspector, which deems everyone that lives in Florida wants waterfront property; formerly being a drinking buddy construction worker along with those that used bleach to kill mold & mildew on 2 X 4's also has a southern hammer & nail degree in building...........

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Joseph, rip that entire bathroom out. Everything goes. I developed a small leak that eventually put a water stain on my living room ceiling. Came from the kids 2nd floor bathroom. When I completely gutted the bathroom I found a little mold. I then ripped out 1/2 the subfloor and two closet walls and replaced them. It was 70 dollars worth of plywood and wall studs and a Saturday. I also ripped all of the soft copper out and replaced it with 40 bucks worth of hard copper pipe. My point is don't half ass it to save 110 bucks. Now is the time to do it right one time for the rest of your life. Rip it all out!

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Joseph, rip that entire bathroom out. Everything goes. I developed a small leak that eventually put a water stain on my living room ceiling. Came from the kids 2nd floor bathroom. When I completely gutted the bathroom I found a little mold. I then ripped out 1/2 the subfloor and two closet walls and replaced them. It was 70 dollars worth of plywood and wall studs and a Saturday. I also ripped all of the soft copper out and replaced it with 40 bucks worth of hard copper pipe. My point is don't half ass it to save 110 bucks. Now is the time to do it right one time for the rest of your life. Rip it all out!

Luckily I have no subfloor, Florida construction consists of cinderblock walls and a concrete slab, thats it. Tile directly to slab. Its basically gutted right now, the garden tub is getting replaced with a large tile walk in shower. Thankfully I hadnt got around to taking the wallpaper down in their yet so they are paying fo wallpaper which costs twice what skimcoat and paint cost which is what we are going to do. It wasnt a pipe after all. the outside faucet was poorly constructed and worked itself free of its seal and allowed rain and hose water to drain inside!.

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Joseph, rip that entire bathroom out. Everything goes. I developed a small leak that eventually put a water stain on my living room ceiling. Came from the kids 2nd floor bathroom. When I completely gutted the bathroom I found a little mold. I then ripped out 1/2 the subfloor and two closet walls and replaced them. It was 70 dollars worth of plywood and wall studs and a Saturday. I also ripped all of the soft copper out and replaced it with 40 bucks worth of hard copper pipe. My point is don't half ass it to save 110 bucks. Now is the time to do it right one time for the rest of your life. Rip it all out!

Luckily I have no subfloor, Florida construction consists of cinderblock walls and a concrete slab, thats it. Tile directly to slab. Its basically gutted right now, the garden tub is getting replaced with a large tile walk in shower. Thankfully I hadnt got around to taking the wallpaper down in their yet so they are paying fo wallpaper which costs twice what skimcoat and paint cost which is what we are going to do. It wasnt a pipe after all. the outside faucet was poorly constructed and worked itself free of its seal and allowed rain and hose water to drain inside!.

 

Far better than having pipes bust below the slab !

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I don't know if it's just better News coverage of any disaster that befalls people but it does seem to me like the last two years have had huge damage claims going to the insurance companies. 'Course, when they interview people a lot of them don't have home insurance of any kind, let alone earthquake or flood insurance since it "NEVER" happens here. We've had home insurance through one company for several and every year it keeps going up and up. I can understand why but wife and I said we'll do without insurance since everything is paid for and new and we'll take our chances and bank the money. Our rates had gone to $411 a month. At the rate we could save for a new house in not many years. Fortunately shopped around, found car and home insurance that cut those rates by more than half for same coverage so I could then pay totals for car and house out for a year and have that extra coming into account each month and still have the coverage.

 

 

Glad things worked okay for you Joseph. Not everyone comes off so good so be happy you knew some of the right people on this. Are sinkholes covered by insurance in FL?

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It is not a new idea, put aside the money you would pay yearly for insurance, invest it in something you can liquidate quickly and use it if and when you need it. Can't do it, but I sure would be better covered than with my current insurance.

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Vic, you can get sinkhole insurance but it is crazy experience due to the huge number of s inkholes in FL. My buddy's company is mainly a sinkhole company and has since expanded into home renovations because it goes hand in hand, however my insurance covers catastrophic disaster so a sinkhole would be covered under my house but not in my yard. Im going to have my friend pin my house. He drills to bedrock and puts pins in so theoretically the ground could open and the house would still stand.

 

Insurance is mandatory with my home loan but my insurance is $800 year. Houses are much cheaper here than most places. We have a 3 bedroom 2 bath 2car block home built in 06 on 1/3 acre its 3000sq under roof 2000sq living and we paid $118,000 hence why so many people find their way here.

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That's crazy expensive, Vic. Homeowner's insurance is usually super cheap, compared to the price of the home.

Normally, the annual cost is approximately equal to one month's mortgage payment.

 

Bimini ... investing the insurance money would not net you enough to cover even a minor event in your home. Even at Vic's rate of $411 a month, you'd save less than $5000.00. Return on that would be a couple hundred, if you're lucky. The work being done on Joseph's place could eat that much just on the tear out.

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As a person who works in construction I can tell repairs are expensive. I honestly sometimes hate doing them for that reason. I did a siding repair job this year I replaced 9 sheets of 9 ft t1-11 on the second floor level 3 8 foot sheets, a few pieces of cheap lap siding trimmed a few windows and had to take one out and rebuild the trim. The cost for this was 5k and would've been a good bit more from most other people who can do the work and do it well. Just the material for a 13x20 deck is nearly 3k dollars.

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Mike,

In the end no one takes a chance, just in case, even if one could go without insurance.

And, of course there are a bunch of other variables to consider but...

The $20,000 you save in a few years can pay for a few repairs. No deductibles.

I am obviously venting about my situation, but I could have paid for my whole new floor many times over with the money I have paid to insurance, instead of being thousands of dollars out the one time when I actually have a claim.

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I'm not really arguing any point, Bimini. Wife and I have owned our home for 15 years now. She's amazing with money, and we paid it off last Summer. In those fifteen years, we have paid about $12,000.00 for insurance. I don't know who you're paying insurance, too, but if you're paying more than $20,000.00 in "a few years" ... then you need to shop around.

 

If a hurricane takes our roof off ... a fire happens ... a leaking pipe that goes beyond my ability to fix it ... then twice what we've paid out would all be worth it.

 

Yes, at times, something happens that makes us all go, "Why did I pay all that money for insurance?" But it only takes one major incident to make every single dime paid to them worth it.

 

Of course, there's the business side of it. A company that's insuring people is still a business. They rely on the majority of people never needing their services. They don't want to pay anything ... it's a loss.

 

This goes out to EVERYBODY ... IF you ever need insurance to cover something, hire a lawyer. I despise lawyers (sorry, if anyone here is one) but insurance claims is one place they can be worth it, too.

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Insurance is needed in Florida for hurricanes. In my case Im really glad we have it as their estimating this bathroom repair at around 12k. including the flooring in the bedroom. And including the dry out and demolition which was 2k alone

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