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Roof damage can occur suddenly”for example, if shingles are blown off in a storm”or a small leak can gradually grow larger. A leaky roof can affect the inside of your house as well as the foundation. It can also affect your familys health by causing mold that can trigger allergic reactions and lead to breathing problems. Many homeowners are unaware of roof damage until they notice leaks inside the house, but there are often warning signs much earlier. Detecting problems quickly can minimize damage and repair bills.

Have Your Roof Inspected
Regularly inspecting your roof can help you identify problems before they get too serious. If you dont feel comfortable inspecting your roof yourself, hire a professional roofer. The person conducting the inspection should pay particular attention to the flashing, since that is where most roof leaks occur, as well as missing or damaged shingles.

Check the Interior of Your House
Walk around the upper floor of your home and check the ceiling and walls for any signs of water damage. Moisture may cause brown, yellow or grey stains. You might also notice that the paint on the ceiling or walls is peeling or bubbling.

If your house has an attic, check to see if the rafters are damp. If they are, that could indicate that the roof needs repairs or that there is a ventilation problem. If the vents are blocked, that can lead to moisture damage. Removing any objects that are blocking the vents might be enough to solve the problem.

Make Sure Your Gutters Are Clean
If snow on the roof melts and then water runs down to the gutters and refreezes, it can form an ice dam. That can then cause water to seep beneath roof shingles and inside the house. Keeping your gutters clear can prevent this scenario. If you notice an ice dam, call a roofer to get rid of the ice and see if it caused damage to the roof.

Monitor Your Utility Bills
A damaged roof can allow warm air to escape from your home in the winter and cool air to escape in the summer. If youve noticed that your utility bills significantly rose recently for no apparent reason, your roof might be damaged.

Check for Signs of Problems
Roof damage isnt always obvious, but you might be able to spot signs if you know what to look for. If you notice any of these issues, call a roofing company to schedule an inspection. A professional will be able to identify damage, understand its severity and make any necessary repairs. You should also check your roof yourself or have it inspected by a professional on a regular basis so problems can be identified and repaired before they get worse.

Published with permission from RISMedia.

When its time to sell your home, you want it looking its best. This often means putting your designer hat on and doing a bit of staging. One of the many areas to consider breathing new life into is your shelving. Though often overlooked, shelves are an opportunity to strike a balance between functional storage and fashionable display. If youre looking to make your house more memorable, here are five tips for curating shelves that are stylish and creative.

Form and Function
First, consider your current shelving situation and determine if its time for an upgrade to the overall aesthetic. If you dont have built-ins, there are tons of different options that are easy to install, from floating shelves to open box shelves. Wood and glass are popular to use because of their versatility, though you should have a sense of how youll decorate your shelves before picking out materials.

Show Off Books
If you read on a Kindle or tablet, the reality is that your collection of books may not be seeing the use it once did. The good news, however, is that the books still look good on your shelves. Rather than putting the entire collection out in the living room, theres a much stronger design impact if you choose a handful of books that are visually pleasing or mean the most to you. If you have a vintage record collection, that works just as well.

Go Green
Houseplants can provide the perfect sense of balance amidst your other objects and artifacts. Cacti or succulents are fun and low-maintenance options that work especially well if youre going for just a few select items in a clutter-free space.

Exhibit Your Art
Give your home the feel of a gallery with a selection of artwork displayed on the shelves. Whether its handmade pottery, sculptures, or framed pictures that are leaning against the wall, this can be a surprising use of space that feels sophisticated. Its far from just using it as a place to store everyday odds and ends.

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Carbon monoxide poison is a silent danger that claims over 400 lives in the U.S. annually, as well as over 20,000 visits to the emergency room, according to the Centers for Disease Control and Prevention.

To keep your family safe, know the signs of carbon monoxide poisoning:

• Headaches
• Nausea
• Vomiting
• Dizziness
• Shortness of breath
• Fatigue

“Safety is our top priority at DTE Energy, and we urge residents to be particularly alert to carbon monoxide danger during the fall and winter heating season. It’s when CO exposure most frequently occurs,” says Brad Burcz, senior safety and health engineer, DTE Energy. “One of the best defenses against CO poisoning is to install a carbon monoxide alarm near all sleeping areas in your home. If dangerous levels of CO are detected, an audible alarm will alert you.”

DTE offers the following tips to prevent CO poisoning in homes and businesses:

• For businesses, install carbon monoxide alarms in main areas away from vents and appliances or equipment that produce smoke or steam.
• Replace batteries in CO alarms annually.
• If a CO alarm is activated, or the presence of carbon monoxide is suspected, immediately get out of the house or building into fresh air, and if necessary, seek medical attention.
• Ensure all fuel-burning appliances are operating and venting properly.
• Get an annual furnace inspection by a licensed professional.
• Check yearly to verify flues, vents and chimneys are connected, in good condition and clear of debris.

Like this update? As your local real estate professional, I can provide more great tips like this and answer any real estate information questions you may have. Contact me today!

Source: dteenergy.com

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Choosing a real estate professional you’re comfortable with is an important piece of the puzzle when it comes to putting your home on the market, but anyone going through the buying or selling process needs to be aware of the different types of listing contracts available”and which suits them best.

Exclusive Right to Sell
Most commonly used, this type of listing gives the listing agent complete control of the transaction, no matter who finds the buyer. In this type of situation, even if you have a friend who wants to purchase the home, the listing agent will earn the sales commission. If a second cooperating agent is involved in the deal, the commission is normally divided between the two. A normal contract runs 90 or 120 days, but if the house doesn’t sell and you’re happy with your agent, you can always re-up for additional time.

Open Listing
Often used by sellers who are trying to sell the home themselves, an open listing allows a real estate professional to be involved in the showing process. Multiple agents can be involved; however, the real estate professional that brings the buyer gets the commission. An agent who accepts an open listing isn’t going to do much other than show the home. For instance, they won’t market it or put it in the MLS, but if the home fits the criteria for one of their clients, and it’s convenient, they may be willing to bring someone around.

One-Time Show
Very similar to an open listing, a one-time show is most often used by real estate agents who are showing a FSBO (for sale by owner) to one of their clients. The seller signs the agreement, which identifies the potential buyer and guarantees the agent a commission should that buyer purchase the home, preventing the buyer and seller from negotiating later and trying to avoid paying the agent’s commission. As with an open listing, agents will not be spending money marketing the home, and it will not be placed in the MLS.

Multiple Listing
A multiple listing service will send listing information and photos to members who are working with appropriate buyers, and many listings are available elsewhere on the internet, allowing prospective buyers to research what’s for sale on their own. MLS members can submit exclusive agency and exclusive right to sell listings to the local MLS.

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Life can change fast. For example, you could lose your job, a family member could fall ill, or an accident could occur. For many homeowners, unforeseen circumstances like these can cause financial problems that hinder their ability to keep up with mortgage payments, putting them at risk of losing their house.

If youre having trouble paying your mortgage for any reason, the U.S. Department of Housing and Urban Development (HUD) offers 10 tips to help you avoid foreclosure:

1. Don’t ignore the problem. The further behind you get on payments, the harder itll be to reinstate your loan and the more likely youll lose your house.

2. Contact your lender as soon as you realize you have a problem. Lenders dont want your house. They have options to help borrowers through difficult financial times.

3. Open and respond to all mail from your lender. The first notices you receive will offer good information about foreclosure prevention options that can help you weather financial problems. Later mail may include important notices of pending legal action. Your failure to open the mail wont be an excuse in foreclosure court.

4. Know your mortgage rights. Find your loan documents and read them so you know what your lender may do if you can’t make your payments. Learn about the foreclosure laws and timeframes in your state (as every state is different) by contacting the State Government Housing Office.

5. Understand prevention options. Valuable information about foreclosure prevention (also called loss mitigation) options can be found on HUDs website.

6. Contact a HUD-approved housing counselor. HUD funds free or very low-cost housing counseling nationwide. Housing counselors can help you understand the law and your options, organize your finances and represent you in negotiations with your lender, if you need this assistance. Find a HUD-approved housing counselor near you.

7. Prioritize your spending. After healthcare, keeping your house should be your top priority. Review your finances and see where you can cut spending in order to make your mortgage payment. Look for optional expenses, such as cable TV or memberships, you can eliminate. Delay payments on credit cards and other “unsecured” debt until youve paid your mortgage.

8. Use your assets. Do you have assets, such as a second car or jewelry, you can sell for cash to help reinstate your loan? Can anyone in your household get an extra job to bring in additional income? Even if these efforts don’t significantly increase your available cash, they demonstrate to your lender that youre willing to make sacrifices to keep your home.

9. Avoid foreclosure prevention companies. You don’t need to pay fees for help”use that money to pay the mortgage instead. Many for-profit companies will contact you promising to negotiate with your lender. While these may be legitimate businesses, theyll likely charge you a hefty fee for information and services your lender or a HUD-approved counselor will provide for free.

10. Don’t lose your house to scams. If any firm claims it can stop your foreclosure immediately and you sign a document appointing the firm to act on your behalf, you may well be signing over the title to your property and becoming a renter in your own home. Never sign a legal document without reading and understanding all the terms and getting professional advice from an attorney, a trusted real estate professional or a HUD-approved counselor.

These 10 tips could help you safely overcome troubled times and remain a homeowner.

Published with permission from RISMedia.