Roofs are usually made of aluminum, concrete or ceramic tiles. These are the materials that we have grown accustomed to using and seeing. In some countries though, other materials that may seem strange such as plant leaves and straws, are regular roofing materials. However, due to the troubling extreme and abrupt varying weather conditions and outside temperature, there was a clamor and general need to have stronger, adaptive and longer-lasting roofs that do need to be replaced quickly or undergo repairs and maintenance regularly. Because of this, the process of roof sheeting was introduced and is now widely used all over the world.
In some cities, the rainy season is essentially year-long. With the exception of a few clear, summer months, homeowners can expect more than 150 days of rain every year. Unfortunately, this kind of rainy climate can be destructive when it comes to roofs as constant rain is one of the most common causes of roof damage and decay in rainy climates. The following maintenance tips for rainy climates will help you keep your roof in optimal condition so that you can protect your home and belongings.
Nothing compares to regular, professional roof inspections with respect to maintaining your roof. A qualified roofer should inspect your roof at least once a year, but in rainy climates, regular spring and fall inspections are recommended. Your roofer will look for torn shingles, signs of leaks and decay, and damage to fixtures, gutters, and flashing.
Cleaning and Treating
In addition to inspections, you should have your roof cleaned and treated every three to five years. Again, it’s best to hire a professional roofer not only for safety reasons, but to ensure the job is done right. In fact, many roofers will offer cleaning and treatment services along with inspections.
Adequate ventilation is also important for maintaining a roof in a rainy climate. Poor ventilation is one of the leading causes of premature decay. You should carefully monitor indoor temperature changes during the winter and summer months as unusually hot or cold internal temperatures during summer and winter respectively are a sign of poor ventilation. Your roofing professional should be contacted to correct ventilation problems.
During the fall and winter months in rainy climates, trees can pose a significant risk to your roof. Not only do falling leaves collect on your roof and rot, but rain, snow and wind storms can also cause overhanging limbs to crack, break and fall on your roof. Tree debris should be removed from your roof and overhanging limbs should be pruned to prevent damage.
While taking care to ensure proper roof maintenance throughout the year will protect your roof and extend its lifespan, the reality is that roofs in rainy climates tend to require more repairs. Furthermore, roofs in rainy climates will likely need to be replaced sooner than those found in regions with less inclement weather. Fortunately, roofing professionals can suggest the best materials for your climate so that repair and replacement can be prevented as long as possible. Still, you should be in regular contact with your roofer so that you know your home and belongings are protected throughout the worst weather months.
Once you’ve found the perfect older home to invest in, you’ll need to create a renovation plan that’s property-specific. This is where a good real estate agent can use his experience as a Realtor and community connector. He’ll be right by your side every step of the way during your home renovation by personally interviewing the contractors while bringing his longstanding people and references to you.
He’ll help you find the right contractors who have strong experience in remodeling older homes and if you don’t have a big budget, he’ll find you a contractor who is resourceful and who has handled similar projects. A great contractor is someone who nourishes relationships, considers clients’ needs, keeps them informed along the whole project and sticks to your budget. And when the contractor is strong, the contractor’s subcontractors are as well. If something goes wrong, it’s taken care of, and many times an experienced contractor knows how to head off problems before they happen.
If you have a Streamline FHA 203K loan then you won’t need a HUD consultant and you can have up to three contractors.
You’re eligible for the repair/replacement of:
- window and door replacements and exterior wall re-siding
- septic and/or well
- appliances including free-standing ranges, refrigerators, washer/dryers, dishwashers and microwaves
- existing HVAC system
- existing floors
- remodeling for persons with disabilities
- basement refinishing/remodeling
- minor remodeling, such as in the kitchen that doesn’t include major repairs
- exterior/interior painting, including lead-based paint stabilization
- weatherization, including storm windows and doors
For a Consultant FHA 203K loan you’ll need a HUD consultant who oversees the renovation project from start to finish. It’s the responsibility of your borrower to choose the consultant. During the inspection, the consultant determines what repairs are needed and then the borrower and consultant discuss what money to draw out to the contractors based on the amount of work completed. This loan is typically used for homes with repairs of over $35,000 or that require structural repairs for the foundation, well or swimming pool. There should only be one general contractor (GC), but there can be up to three contractors. Contractors get no money up front, and their fee is based on work completed.
With a Consultant FHA 203K loan you’re eligible for:
- structural alternations/additions
- a new garage that’s attached/detached
- a kitchen/bathroom remodel
- installation of appliances
- swimming pool repair
- plumbing/electrical modernization
- install or repair well/septic systems
- install flooring/tile/carpet
- major landscaping/decks/fencing
- handicap accessibility
- interior/exterior painting
- any improvements that are a permanent part of the property.
There’s a whole world of opportunity out there with home renovation loans. With a little research and education, your renovation can be easy and rewarding.