Outdoor air pollution in cities is a major health problem. Much effort and money continue to be spent cleaning up pollution in the outdoor air. But air pollution can be a problem where you least expect it, in the place you may have thought was safest -- your home. Many ordinary activities, such as cooking, heating, cooling, cleaning and redecorating, can cause the release and spread of indoor pollutants at home. Studies have shown that the air in our homes can be even more polluted than outdoor air. Many Americans spend up to 90% of their time indoors, often at home. Therefore, breathing clean indoor air can have an important impact on health. People who are inside a great deal may be at greater risk of developing health problems, or having problems made worse by indoor air pollutants. These people include infants, young children, the elderly and those with chronic illnesses. Many factors determine whether pollutants in your home will affect your health. They include the presence, use and condition of pollutant sources, the level of pollutants both indoors and out, the amount of ventilation in your home, and your overall health.
What are Biological Pollutants?
Biological pollutants are or were living organisms. They promote poor indoor air quality and may be a major cause of days lost from work and school, and of doctor and hospital visits. Some can even damage surfaces inside and outside your house. Biological pollutants can travel through the air and are often invisible. Some common indoor biological pollutants are:
Some of these substances are in every home. It is impossible to get rid of them all. Even a spotless home may permit the growth of biological pollutants. Two conditions are essential to support biological growth: nutrients and moisture. These conditions can be found in many locations, such as bathrooms, damp or flooded basements, wet appliances (such as humidifiers and air conditioners), and even some carpets and furniture. Modern materials and construction techniques may reduce the amount of outside air brought into buildings, which may result in high moisture levels inside. Using humidifiers, unvented heaters, and air conditioners in our homes has increased the chances of moisture forming on interior surfaces. This encourages the growth of certain biological pollutants.
The Scope of the Problem
Most information about sources and health effects of biological pollutants is based on studies of large office buildings and surveys of homes in the northern U.S. and Canada. These surveys show that 30% to 50% of all structures have damp conditions which may encourage the growth and buildup of biological pollutants. This percentage is likely to be higher in warm, moist climates. Some diseases and illnesses have been linked with biological pollutants in the indoor environment. However, many of them also have causes unrelated to the indoor environment. Therefore, we do not know how many health problems relate only to poor indoor air.
Health Effects of Biological Pollutants
All of us are exposed to biological pollutants. However, the effects on our health depend on the type and amount of biological pollution and the individual person. Some people do not experience health reactions from certain biological pollutants, while others may experience one or more of the following reactions:
Except for the spread of infections indoors, allergic reactions may be the most common health problem with indoor air quality in homes. They are often connected with animal dander (mostly from cats and dogs), with house dust mites (microscopic animals living in household dust), and with pollen. Allergic reactions can range from mildly uncomfortable to life-threatening, as in a severe asthma attack. Some common signs and symptoms are:
Health experts are especially concerned about people with asthma. These people have very sensitive airways that can react to various irritants, making breathing difficult. The number of people who have asthma has greatly increased in recent years. The number of people with asthma has gone up by 59% since 1970, to a total of 9.6 million people. Asthma in children under 15 years of age has increased 41% in the same period, to a total of 2.6 million children. The number of deaths from asthma is up by 68% since 1979, to a total of almost 4,400 deaths per year.
Talking to Your Doctor
Are you concerned about the effects on your health that may be related to biological pollutants in your home? Before you discuss your concerns with your doctor, you should know the answers to the following questions. This information can help the doctor determine whether your health problems may be related to biological pollution.
Toxic reactions are the least studied or understood health problem caused by some biological air pollutants in the home. Toxins can damage a variety of organs and tissues in the body, including the liver, the central nervous system, the digestive tract, and the immune system.
Checking Your Home
There is no simple or cheap way to sample the air in your home to determine the level of all biological pollutants. Experts suggest that sampling for biological pollutants is not a useful problem-solving tool. Even if you had your home tested, it is almost impossible to know which biological pollutant(s) cause various symptoms or health problems. The amount of most biological substances required to cause disease is unknown and varies from one person to the next. Does this make the problem sound hopeless? On the contrary, you can take several simple, practical actions to help remove sources of biological pollutants, to help get rid of pollutants, and to prevent their return.
Self-Inspection: A Walk Through Your Home
Begin by touring your household. Follow your nose, and use your eyes. Two major factors help create conditions for biological pollutants to grow: nutrients and constant moisture with poor air circulation.
A musty odor, moisture on hard surfaces, and even water stains, may be caused by:
Before you give away the family pet or move, there are less drastic steps you can take to reduce potential problems. Properly cleaning and maintaining your home can help reduce the problem and may avoid interrupting your normal routine. People who have health problems, such as asthma, or who are allergic, may need to do this and more. Discuss this with your doctor.
Water in your home can come from many sources. Water can enter your home by leaking or by seeping through basement floors. Showers and even cooking can add moisture to the air in your home. The amount of moisture that the air in your home can hold depends on the temperature of the air. As the temperature goes down, the air is able to hold less moisture. This is why, in cold weather, moisture condenses on cold surfaces (for example, drops of water form on the inside of a window). This moisture can encourage biological pollutants to grow.
There are many ways to control moisture in your home:
Controlling dust is very important for people who are allergic to animal dander and mites. You cannot see mites, but you can either remove their favorite breeding grounds or keep these areas dry and clean. Dust mites can thrive in sofas, stuffed chairs, carpets and bedding. Open shelves, fabric wallpaper, knickknacks, and venetian blinds are also sources of dust mites. Dust mites live deep in the carpet and are not removed by vacuuming. Many doctors suggest that their mite-allergic patients use washable area rugs rather than wall-to-wall carpet.
Before You Move
Protect yourself by hiring an InterNACHI inspector to inspect your potential new home. If you identify problems, have the landlord or seller correct them before you move in, or even consider moving elsewhere.
What if damage is already done? Follow these guidelines for correcting water damage:
Reducing Exposure to Biological Contaminants
General good housekeeping, and maintenance of heating and air-conditioning equipment, are very important. Adequate ventilation and good air distribution also help. The key to mold control is moisture control. If mold is a problem, clean up the mold and get rid of excess water and moisture. Maintaining the relative humidity between 30% to 60% will help control mold, dust mites and cockroaches. Employ integrated pest management to control insect and animal allergens. Cooling-tower treatment procedures exist to reduce levels of Legionella and other organisms.
Install and use exhaust fans that are vented to the outdoors in kitchens and bathrooms, and vent clothes dryers outdoors. These actions can eliminate much of the moisture that builds up from everyday activities. There are exhaust fans on the market that produce little noise, an important consideration for some people. Another benefit to using kitchen and bathroom exhaust fans is that they can reduce levels of organic pollutants that vaporize from hot water used in showers and dishwashers. Ventilate the attic and crawlspaces to prevent moisture build-up. Keeping humidity levels in these areas below 50% can prevent water condensation on building materials.
If using cool mist or ultrasonic humidifiers, clean appliances according to the manufacturer's instructions and refill with fresh water daily. Because these humidifiers can become breeding grounds for biological contaminants, they have the potential for causing diseases such as hypersensitivity pneumonitis and humidifier fever. Evaporation trays in air conditioners, dehumidifiers, and refrigerators should also be cleaned frequently.
Thoroughly clean and dry water-damaged carpets and building materials (within 24 hours, if possible), or consider removal and replacement. Water-damaged carpets and building materials can harbor mold and bacteria. It is very difficult to completely rid such materials of biological contaminants.
Keep the house clean. House dust mites, pollens, animal dander, and other allergy-causing agents can be reduced, although not eliminated, through regular cleaning. People who are allergic to these pollutants should use allergen-proof mattress encasements, wash bedding in hot water (130° F), and avoid room furnishings that accumulate dust, especially if they cannot be washed in hot water. Allergic individuals should also leave the house while it is being vacuumed because vacuuming can actually increase airborne levels of mite allergens and other biological contaminants. Using central vacuum systems that are vented to the outdoors, or vacuums with high efficiency filters may also be of help.
Take steps to minimize biological pollutants in basements. Clean and disinfect the basement floor drain regularly. Do not finish a basement below ground level unless all water leaks are patched and outdoor ventilation and adequate heat to prevent condensation are provided. Operate a dehumidifier in the basement, if needed, to keep relative humidity levels between 30% to 50%.
Health Effects From Biological Contaminants
Some biological contaminants trigger allergic reactions, including hypersensitivity pneumonitis, allergic rhinitis, and some types of asthma. Infectious illnesses, such as influenza, measles and chicken pox, are transmitted through the air. Molds and mildews release disease-causing toxins. Symptoms of health problems caused by biological pollutants include sneezing, watery eyes, coughing, shortness of breath, dizziness, lethargy, fever and digestive problems.
Allergic reactions occur only after repeated exposure to a specific biological allergen. However, that reaction may occur immediately upon re-exposure, or after multiple exposures over time. As a result, people who have noticed only mild allergic reactions, or no reactions at all, may suddenly find themselves very sensitive to particular allergens. Some diseases, such as humidifier fever, are associated with exposure to toxins from microorganisms that can grow in large buildings' ventilation systems. However, these diseases can also be traced to micro-organisms that grow in home heating and cooling systems and humidifiers. Children, elderly people, and people with breathing problems, allergies, and lung diseases are particularly susceptible to disease-causing biological agents in the indoor air. Mold, dust mites, pet dander, and pest droppings or body parts can trigger asthma. Biological contaminants, including molds and pollens, can cause allergic reactions for a significant portion of the population. Tuberculosis, measles, staphylococcus infections, Legionella and influenza are known to be transmitted by air.
Combustion appliances are those which burn fuels for warmth, cooking or decorative purposes. Typical fuels are gas, both natural and liquefied petroleum (LP), kerosene, oil, coal and wood. Examples of the appliances are space heaters, ranges, ovens, stoves, furnaces, fireplaces, water heaters, and clothes dryers. These appliances are usually safe. However, under certain conditions, these appliances can produce combustion pollutants that can damage your health, or even kill you.
What are Combustion Pollutants?
Combustion pollutants are gases and particles that come from burning materials. The combustion pollutants come from burning fuels in appliances. The types and amounts of pollutants produced depend on the type of appliance, how well the appliance is installed, maintained and vented, and the kind of fuel it uses. Some of the common pollutants produced from burning these fuels are carbon monoxide, nitrogen dioxide, particles, and sulfur dioxide. Particles can have hazardous chemicals attached to them. Other pollutants that can be produced by some appliances are unburned hydrocarbons and aldehydes. Combustion always produces water vapor. Water vapor is not usually considered a pollutant, but it can act as one. It can result in high humidity and wet surfaces.
Where do Combustion Pollutants Come From?
Combustion pollutants found indoors include outdoor air, tobacco smoke, exhaust from car and lawn mower internal combustion engines, and some hobby activities, such as welding, woodburning and soldering. Combustion pollutants can also come from vented or unvented combustion appliances. These appliances include space heaters, gas ranges and ovens, furnaces, gas water heaters, gas clothes dryers, wood and coal-burning stoves, and fireplaces. As a group, these are called "combustion appliances."
Vented appliances are appliances designed to be used with a duct, chimney, pipe, or other device that carries the combustion pollutants outside the home. These appliances can release large amounts of pollutants directly into your home if a vent is not properly installed, or is blocked or leaking. Unvented appliances do not vent to the outside, so they release combustion pollutants directly into the home. Many of these problems are hard for a homeowner to identify. A professional is needed.
What are the Health Effects of Combustion Pollutants?
The health effects of combustion pollutants range from headaches and breathing difficulties to death. The health effects may show up immediately after exposure, or occur after being exposed to the pollutants for a long time. The effects depend on the type and amount of pollutants, and the length of time of exposure to them. They also depend upon several factors related to the exposed person. These include the age and any existing health problems. There are still some questions about the level of pollutants or the period of exposure needed to produce specific health effects. Further studies to better define the release of pollutants from combustion appliances and their health effects are needed.
The sections below discuss health problems associated with some common combustion pollutants. These pollutants include carbon monoxide, nitrogen dioxide, particles, and sulfur dioxide. Even if you are healthy, high levels of carbon monoxide can kill you within a short time. The health effects of the other pollutants are generally more subtle and are more likely to affect susceptible people. It is always a good idea to reduce exposure to combustion pollutants by using and maintaining combustion appliances properly.
Each year, according to CPSC, there are more than 200 carbon monoxide deaths related to the use of all types of combustion appliances in the home. Exposure to carbon monoxide reduces the blood's ability to carry oxygen. Often, a person or an entire family may not recognize that carbon monoxide is poisoning them. The chemical is odorless, and some of the symptoms are similar to common illnesses. This is particularly dangerous because carbon monoxide's deadly effects will not be recognized until it is too late to take action against them. Carbon monoxide exposures especially affect unborn babies, infants, and people with anemia or a history of heart disease. Breathing low levels of the chemical can cause fatigue and increase chest pain in people with chronic heart disease. Breathing higher levels of carbon monoxide causes symptoms such as headaches, dizziness, and weakness in healthy people. Carbon monoxide also causes sleepiness, nausea, vomiting, confusion and disorientation. At very high levels, it causes loss of consciousness and death.
Breathing high levels of nitrogen dioxide causes irritation of the respiratory tract and causes shortness of breath. Compared to healthy people, children, and individuals with respiratory illnesses such as asthma, may be more susceptible to the effects of nitrogen dioxide. Some studies have shown that children may have more colds and flu when exposed to low levels of nitrogen dioxide. When people with asthma inhale low levels of nitrogen dioxide while exercising, their lung airways can narrow and react more to inhaled materials.
Particles suspended in the air can cause eye, nose, throat and lung irritation. They can increase respiratory symptoms, especially in people with chronic lung disease or heart problems. Certain chemicals attached to particles may cause lung cancer, if they are inhaled. The risk of lung cancer increases with the amount and length of exposure. The health effects from inhaling particles depend upon many factors, including the size of the particle and its chemical make-up.
Sulfur dioxide at low levels of exposure can cause eye, nose, and respiratory tract irritation. At high exposure levels, it causes the lung airways to narrow. This causes wheezing, chest tightness, and breathing problems. People with asthma are particularly susceptible to the effects of sulfur dioxide. They may have symptoms at levels that are much lower than the rest of the population.
Combustion may release other pollutants. They include unburned hydrocarbons and aldehydes. Little is known about the levels of these pollutants in indoor air and the resulting health effects.
What do I do if I suspect that combustion pollutants are affecting my health?
If you suspect you are being subjected to carbon monoxide poisoning, get fresh air immediately. Open windows and doors for more ventilation, turn off any combustion appliances, and leave the house. You could lose consciousness and die from carbon monoxide poisoning if you do nothing. It is also important to contact a doctor immediately for a proper diagnosis. Remember to tell your doctor that you suspect carbon monoxide poisoning is causing your problems. Prompt medical attention is important. Some symptoms from combustion pollutants -- including headaches, dizziness, sleepiness, coughing, and watery eyes -- may also occur because of common medical problems. These medical problems include colds, the flu, and allergies. Similar symptoms may also occur because of other indoor air pollutants. Contact your doctor for a proper diagnosis.
How can I reduce my exposure to combustion pollutants?
Proper selection, installation, inspection and maintenance of your appliances are extremely important in reducing your exposure to these pollutants. Providing good ventilation in your home and correctly using your appliance can also reduce your exposure to these pollutants. Additionally, there are several different residential carbon monoxide detectors for sale. These detectors alert consumers to harmful carbon monoxide levels in the home. They may soon be widely available to reduce deaths from carbon monoxide poisoning.
To reduce indoor air pollution, a good supply of fresh, outdoor air is needed. The movement of air into and out of your home is very important. Normally, air comes in through cracks around doors and windows. This air helps reduce the level of pollutants indoors. This supply of fresh air is also important to help carry pollutants up the chimney, stovepipe or flue to the outside.
Correct Use of Appliances
Inspection and Maintenance
Have your combustion appliance regularly inspected and maintained to reduce your exposure to pollutants. Appliances that are not working properly can release harmful and even fatal amounts of pollutants, especially carbon monoxide. Have chimneys and vents inspected when installing or changing vented heating appliances. Some modifications may be required. For example, if a change was made in your heating system from oil to natural gas, the flue gas produced by the gas system could be hot enough to melt accumulated oil-combustion debris in the chimney or vent. This debris could block the vent, forcing pollutants into the house. It is important to clean your chimney and vents, especially when changing heating systems. Always hire an InterNACHI inspector to perform your home inspections, as they all must pass the most comprehensive, rigorous training program available.
What are the Inspection and Maintenance Procedures?
The best advice is to follow the recommendations of the manufacturer. The same combustion appliance may have different inspection and maintenance requirements, depending on where you live. In general, check the flame in the furnace combustion chamber at the beginning of the heating season. Natural gas furnaces should have a blue flame with perhaps only a slight yellow tip. Call your appliance service representative to adjust the burner if there is a lot of yellow in the flame, or call your local utility company for this service. LP units should have a flame with a bright blue center that may have a light yellow tip. Pilot lights on gas water heaters and gas cooking appliances should also have a blue flame. Have a trained service representative adjust the pilot light if it is yellow or orange. Before each heating season, have flues and chimneys inspected before each heating season for leakage and for blockage by creosote or debris. Creosote buildup or leakage could cause black stains on the outside of the chimney or flue. These stains can mean that pollutants are leaking into the house.
If you want to build a new home, there are things you need to know before you begin. Learn about construction standards and about buying land, so you know your rights.
MPS Supplementing Model Building Codes
The Minimum Property Standards (MPS) establish certain minimum standards for buildings constructed under HUD housing programs. This includes new single-family homes, multi-family housing and healthcare-type facilities.
HUD Minimum Property Standards and How They Supplement the Model Building Codes
Until the mid-1980s, HUD maintained separate Minimum Property Standards for different types of structures. Since that time, HUD has accepted the model building codes, including over 250 referenced standards and local building codes, in lieu of separate and prescriptive HUD standards. However, there is one major area of difference between the MPS and other model building codes -- durability requirements. Homes and projects financed by FHA-insured mortgages are the collateral for these loans, and their lack of durability can increase the FHA's financial risk in the event of default. More specifically, the model codes do not contain any minimum requirements for the durability of items such as doors, windows, gutters and downspouts, painting and wall coverings, kitchen cabinets and carpeting. The MPS includes minimum standards for these, and other items, to ensure that the value of an FHA-insured home is not reduced by the deterioration of these components.
HUD Field Office Acceptance for Areas Without Building Codes
HUD requires that each property insured with an FHA mortgage meet one of the nationally recognized building codes or a state or local building code based on a nationally recognized building code. In areas where such state or local codes are used, HUD determines if the state or local code is comparable to the model building code. There are also areas of the United States that do not have building codes. If no state or local building code has been adopted, the appropriate HUD Field Office will specify a building code that is comparable to one of the nationally recognized model building codes.
Interstate Land Sales
The Interstate Land Sales program protects consumers from fraud and abuse in the sale or lease of land. In 1968, Congress enacted the Interstate Land Sales Full Disclosure Act, which is patterned after the Securities Law of 1933, and requires land developers to register subdivisions of 100 or more non-exempt lots with HUD, and to provide each purchaser with a disclosure document called a property report. The property report contains relevant information about the subdivision and must be delivered to each purchaser before the signing of the contract or agreement.
Buying Lots from Developers
Be well informed when shopping for land. Lots may be marketed as sites for future retirement homes, for second home locations, or for recreational or campsite use. However, be wary of any investment aspect that may be stressed by sales personnel. If you plan to purchase a lot which is offered by promotional land sales, take plenty of time before coming to a decision. Before signing a purchase agreement, a contract, or a check:
This report is prepared and issued by the developer of this subdivision. It is not prepared or issued by the federal government. Federal law requires that you receive this report prior to signing a contract or agreement to buy or lease a lot in this subdivision. However, no federal agency has judged the merits or value of the property. If you received the report prior to signing a contract or agreement, you may cancel your contract or agreement by giving notice to the seller any time before midnight of the seventh day following the signing of the contract or agreement. If you did not receive this report before you signed a contract or agreement, you may cancel the contract or agreement any time within two years from the date of signing.
Your Contract Rights
If the lot you are buying is subject to the jurisdiction of the Interstate Land Sales Full Disclosure Act, the contract or purchase agreement must inform you of certain rights given to buyers by that Act. The contract should state that the buyer has a "cooling-off" period of seven days (or longer, if provided by state law) following the day that the contract is signed to cancel the contract, for any reason, by notice to the seller, and get his or her money back. Furthermore, unless the contract states that the seller will give the buyer a warranty deed, within 180 days after the contract is signed, the buyer has a right to cancel the contract for up to two years from the day that the contract is signed, unless the contract contains the following provisions:
It has always been the law that if the developer has an obligation to register with the Interstate Land Sales Division, the developer or sales agent must give the buyer a copy of the current property report before the buyer signs a contract. Otherwise, the buyer has up to two years to cancel the contract and get their money back. That fact must also be clearly set forth in all contracts. You may have the right to void the contract if the subdivision has not been registered with HUD, or you were not given a property report. Furthermore, if the developer has represented that it will provide or complete roads, water, sewer, gas, electricity or recreational facilities in its property report, in its advertising, or in its sales promotions, the developer must obligate itself to do so in the contract, clearly and conditionally (except for acts of nature or impossibility of performance). In addition to the right to a full disclosure of information about the lot, the prospective buyer may have the right to void the contract and receive a refund of their money if the developer has failed to register the subdivision with HUD or has failed to supply the purchaser with a property report. While a purchaser may have the right to void the contract with the developer under these conditions, the purchaser may still be liable for contract payments to a third party if that contract has been assigned to a financing institution or some similar entity. The registration is retained by HUD and is available for public inspection. If the property report contains misstatements of fact, if there are omissions, if fraudulent sales practices are used, or if other provisions of the law have been violated, the purchaser may also sue to recover damages and actual costs and expenses in court against the developer. However, depending on when your sale occurred, you may be barred from taking further action due to the Act's statute of limitations. Your attorney can advise you further on this matter.
Even if you received the property report prior to the time of your signing of the contract or agreement, you have the right to revoke the contract or agreement by notice to the seller until midnight of the seventh day following the signing of the contract. You should contact the developer, preferably in writing, if you wish to revoke your contract and receive a refund of any money paid to date. Even if the property report is delivered to you before you sign a sales agreement, the law gives you a "cooling-off " period. This right cannot be waived.
A Word About the Interstate Land Sales Division
The HUD unit which administers the law, examines the developer's registration statement, and registers the land sales operator is the Interstate Land Sales Division. Except for disclosure purposes, this office is not concerned with zoning or land-use planning, and has no control over the quality of the subdivision. It does not dictate what land can be sold, to whom, or at what price. It cannot act as a purchaser's attorney. But it will help purchasers secure the rights given to them by the Interstate Land Sales Full Disclosure Act. HUD is authorized by law to conduct investigations and public hearings, to subpoena witnesses and secure evidence, and to seek court injunctions to prevent violations of the law. If necessary, HUD may seek criminal indictments. HUD is authorized by law to conduct investigations and, if necessary, seek criminal indictments.
Exemptions from the Law
The prospective buyer should be aware that not all promotional land sales operations are covered by the law. If the land sales program is exempt, no registration is required by HUD, and there will be no property report. Here are some of the specific situations for which the statute allows exemptions without review by HUD, including the sale of:
Know the Developer
Knowing your rights under the law is the first step in making a sensible land purchase. To exercise those rights, you also must know something about the honesty and reliability of the developer who offers the subdivision that interests you. Don’t fail to ask questions. Whether you are contacted by a sales agent on the phone or by mail, at a promotional luncheon or dinner, in a sales booth at a shopping center, or in the course of your own inspection of the subdivision, make it your business to find out all you can about the company and the property. In addition, get any verbal promises or representations in writing. Don’t fail to ask questions. If you are seriously interested in buying a lot, ask if the company is registered with HUD or is entitled to an exemption. Request a copy of the property report and take the time to study it carefully and thoroughly. If you still have unanswered questions, delay any commitment until you have investigated. Discuss current prices in the area with local independent brokers. Talk to other people who have purchased lots. A local Chamber of Commerce, Better Business Bureau, or consumer protection group may have information about the seller's reputation. Inquire through county or municipal authorities about local ordinances or regulations affecting properties similar to that which you plan to buy. Don't be high-pressured by sales agents.
Know the Facts About the Lot
Once you have decided on an appealing subdivision, inspect the property. Don't buy "sight unseen." Better yet, hire an InterNACHI inspector to perform a thorough property inspection. Also, check the developer's plans for the project and know what you are getting with your lot purchase. It's a good idea to make a list of the facts you will need to know. Some of the questions you should be asking, and answering, are these:
Know What You are Doing
Interstate land sales promotions often are conducted in a high-pressure atmosphere that sweeps unsophisticated buyers along. Before they are aware that they have made a commitment, these buyers may have signed a sales contract and started to make payments on a lot. They may be delighted with the selection made, but, if not, it may be too late for a change of mind.
Nine Dishonest Sales Practices
Here are some of the practices avoided by reliable sales operations. Watch out for them and exercise sales resistance if you suspect they are occurring:
1. concealing or misrepresenting facts about current and resale value. Sales agents may present general facts about the area’s population growth, industrial or residential development, and real estate price levels as if they apply to your specific lot. You may be encouraged to believe that your piece of land represents an investment which will increase in value as regional development occurs. A sales agent may tell you that the developer will re-sell the lot, if you request. This promise may not be kept. Future resale is difficult or impossible in many promotional developments because much of your purchase price -- sometimes as much as 40% -- has gone for an intensive advertising campaign and commissions for sales agents. You are already paying a top price and it is unlikely that anyone else would pay you more than you are paying the developer. You may even have to sell for less than the price you originally paid for the lot. Sales promotions often are conducted in a high-pressure atmosphere. Furthermore, when you attempt to sell your lot, you are in competition with the developer, who probably holds extensive, unsold acreage in the same subdivision. In most areas, real estate brokers find it impractical to undertake the sale of lots in subdivisions and will not accept such listings. It is unlikely that the lot you purchase through interstate land sales represents an investment, in the view of professional land investors. Remember, the elements of value of a piece of land are its usefulness, the supply, the demand, and the buyer's ability to re-sell it. The Urban Land Institute estimates that land must double in value every five years to justify holding it as an investment. In some areas, the cost of holding the land, such as taxes and other assessments, can run as high as 11% a year.
2. failure to honor refund promises or agreements. Some sales promotions conducted by mail, email or long-distance telephone include the offer of a refund if the property has been misrepresented, or if the customer inspects the land within a certain period of time and decides not to buy. When the customers request the refund, s/he may encounter arguments about the terms of the agreement. The company may even accuse its own agent of having made a money-back guarantee without the consent or knowledge of the developer. Sometimes, the promised refund is made, but only after a long delay.
3. misrepresentation of facts about the subdivision. This is where the property report offers an added measure of protection. A sales agent may offer false or incomplete information relating to either a distant subdivision or one which you visit. Misrepresentations often relate to matters such as the legal title, claims against it, latent dangers (such as swamps or cliffs), unusual physical features (such as poor drainage), restrictions on use, or lack of necessary facilities and utilities. Read the property report carefully with an eye to omissions, generalizations, or unproved statements that may tend to mislead you. If you are concerned about overlooking something important, discuss the report and the contract with a lawyer who understands real estate matters. The developer also may use advertisements that imply that certain facilities and amenities are currently available when they are not. Read the property report to determine whether these facilities and amenities are actually completed, or proposed to be completed in the future. If the company advertises sales on credit terms, the Truth in Lending Act requires the sales contract to fully set forth all terms of financing. This information must include total cost, simple annual interest, and total finance charges.
4. failure to develop the subdivision as planned. Many buyers rely upon the developer's contractual agreement or a verbal promise to develop the subdivision in a certain way. The promised attractions that influenced your purchase (golf course, marina, swimming pool, etc.) may never materialize after you become an owner. If they are provided, it may be only after a long delay. If you are planning on immediate vacation use of the property, or are working toward a specific retirement date, you may find that the special features promised of the development are not available when you need them.
5. failure to deliver deeds and/or title insurance policies. Documents relating to the sales transaction may not be delivered as promised. Some sales in the promotional land development industry are made by contract for a deed to be delivered when the purchaser makes the last payment under the terms of the contract. A dishonest developer may fail to deliver the deed, or deliver it only after a long delay. A sales agent may offer false or incomplete information.
6. abusive treatment and high-pressure sales tactics. Some sales agents drive prospective customers around a subdivision in automobiles equipped with citizen band radios which provide a running commentary on lot sales in progress. The customer may be misled by this and other sales techniques to believe that desirable lots are selling rapidly and that a hurried choice must be made. Hurrying the buyers into a purchase they may later regret is only one ploy of high-pressure sales agents. More offensive is abusive language used to embarrass customers who delay an immediate decision to buy. In some instances, hesitant buyers have been isolated in remote or unfamiliar places where transportation is controlled by the sales agent or the agent's organization.
7. failure to make good on sales inducements. Free vacations, gifts, savings bonds, trading stamps, and other promised inducements are used to lure people to sales presentations or to development sites. These promised treats may never materialize. Sometimes, special conditions are attached to the lure, or a customer is advised that gifts go only to lot purchasers. A "free vacation" may be the means of delivering the prospective buyer to a battery of high-pressure sales agents in a distant place. The promised attractions may never materialize.
8. "bait and switch" tactics. Lots are frequently advertised at extremely low prices. When prospective buyers appear, they are told that the low-priced lots are all sold and then are pressured to buy one that is much more expensive. If the cheaper lot is available, it may be located on the side of a cliff or in another inaccessible location. If accessible, it may be much too small for a building or have other undesirable features. The buyers may be lured to the property with a certificate entitling them to a "free" lot. Often, the certificate bears a face value of $500 to $1,000. If the buyers attempt to cash it in, the amount is simply included in the regular price (often inflated) of the lot they choose. Often, this so-called "bait and switch" technique has a delayed fuse. Buyers who purchase an unseen lot for later retirement may be unpleasantly surprised when they visit the development. The lot they have paid for may be remote from other homes, shopping and medical facilities. It may be insufficiently developed for use. When the buyers complain, sales personnel attempt to switch them to a more expensive lot, applying the money paid for the original lot to an inflated price for the new one, and tacking on additional financing charges. If the unhappy purchasers lack sufficient funds to accept this alternative, they are left with an unusable, unmarketable first choice.
9. failure to grant rights under the Interstate Land Sales Full Disclosure Act. Purchasers may not be given copies of the property report before they sign a sales contract. Some sales agents withhold this detailed statement until customers choose a specific lot. Sometimes, the buyers receive the report in a mass of promotional materials and legal documents. Unaware that the report is in their possession, they fail to read and understand it before signing a sales contract.
This week I am pleased to add a new service to our company. We now have the capability to offer toxicology testing to your inspection needs.
CONDUCTING YOUR DUE DILIGENCE
Buying a home is one of the most crucial decisions you will make. You will have to get appraisals, home inspections, surveys, insurance and so on, all in the interest of protecting your investment. Don't forget to also get your home tested for previous drug labs, processing and usage! Toxic chemicals from illicit street drugs can make your family sick and your wallet cringe with cleanup costs starting at about $10,000.00. In the United States only 1 in 10 drug labs are ever discovered leaving future buyers at risk. Don't judge a book by its cover! Often times drug dealers and producers use homes in suburban and higher end areas to avoid suspicion of illegal activity. More than 50% of states have no disclosure laws regarding these types of hazardous conditions. Schedule your testing today with American Patriot Inspection Services and get the peace of mind every homeowner should have when settling in.
Drugs res idues our labs look for with EVERY Test
Opium PCP (Phencyclidine, Angel Dust)
Cocaine Base And Many More
Solar energy offers considerable advantages over conventional energy systems by nullifying flaws in those systems long considered to be unchangeable. Solar power for home energy production has its flaws, too, which are outlined in another article, but they're dwarfed by the advantages listed below.
The following are advantages of solar energy:
By: Nick Gromico
There are a number of measures that homeowners can take to ensure that their homes are not attractive to burglars. If clients are concerned about break-ins, inspectors can pass on to them basic strategies for burglar-proofing their homes.
Some interesting statistics concerning break-ins in the United States:
According to a survey, burglars enter homes through the following locations:
Some interesting statistics (2002) concerning break-ins in Canada:
In summary, there are a number of tactics that inspectors can pass on to their clients that will help safeguard their homes from break-ins.
by Nick Gromicko and Kenton Shepard
With barbeque season already here, homeowners should heed the following safety precautions in order to keep their families and property safe.
by Nick Gromicko
The purpose of this article is twofold. First, at InterNACHI, we’d like you to take measures to keep your garage free from fire. Fortunately, there are ways this can be done, some of which are described below. Secondly, garage fires do happen, and we’d like you to make sure that a fire cannot not easily spread to the rest of your house. While you can perform many of the recommendations in this article yourself, it is a good idea to hire an InterNACHI inspector to make sure your home is safe from a garage fire.
Why do many garages pose a fire hazard?
by Nick Gromicko and Kenton Shepard
The following items are essential tools, but this list is by no means exhaustive. Feel free to ask an InterNACHI inspector during your next inspection about other tools that you might find useful.
A clogged sink or toilet is one of the most inconvenient household problems that you will face. With a plunger on hand, however, you can usually remedy these plumbing issues relatively quickly. It is best to have two plungers -- one for the sink and one for the toilet.
2. Combination Wrench Set
One end of a combination wrench set is open and the other end is a closed loop. Nuts and bolts are manufactured in standard and metric sizes, and because both varieties are widely used, you’ll need both sets of wrenches. For the most control and leverage, always pull the wrench toward you, instead of pushing on it. Also, avoid over-tightening.
3. Slip-Joint Pliers
Use slip-joint pliers to grab hold of a nail, a nut, a bolt, and much more. These types of pliers are versatile because of the jaws, which feature both flat and curved areas for gripping many types of objects. There is also a built-in slip-joint, which allows the user to quickly adjust the jaw size to suit most tasks.
4. Adjustable Wrench
Adjustable wrenches are somewhat awkward to use and can damage a bolt or nut if they are not handled properly. However, adjustable wrenches are ideal for situations where you need two wrenches of the same size. Screw the jaws all the way closed to avoid damaging the bolt or nut.
5. Caulking Gun
Caulking is the process of sealing up cracks and gaps in various structures and certain types of piping. Caulking can provide noise mitigation and thermal insulation, and control water penetration. Caulk should be applied only to areas that are clean and dry.
None of the tools in this list is of any use if you cannot visually inspect the situation. The problem, and solution, are apparent only with a good flashlight. A traditional two-battery flashlight is usually sufficient, as larger flashlights may be too unwieldy.
7. Tape Measure
Measuring house projects requires a tape measure -- not a ruler or a yardstick. Tape measures come in many lengths, although 25 feet is best. Measure everything at least twice to ensure accuracy.
A hacksaw is useful for cutting metal objects, such as pipes, bolts and brackets. Hacksaws look thin and flimsy, but they’ll easily cut through even the hardest of metals. Blades are replaceable, so focus your purchase on a quality hacksaw frame.
9. Torpedo Level
Only a level can be used to determine if something, such as a shelf, appliance or picture, is correctly oriented. The torpedo-style level is unique because it not only shows when an object is perfectly horizontal or vertical, but it also has a gauge that shows when an object is at a 45-degree angle. The bubble in the viewfinder must be exactly in the middle -- not merely close.
10. Safety Glasses / Goggles
For all tasks involving a hammer or a power tool, you should always wear safety glasses or goggles. They should also be worn while you mix chemicals.
11. Claw Hammer
A good hammer is one of the most important tools you can own. Use it to drive and remove nails, to pry wood loose from the house, and in combination with other tools. They come in a variety of sizes, although a 16-ounce hammer is the best all-purpose choice.
12. Screwdriver Set
It is best to have four screwdrivers: a small and large version of both a flathead and a Phillips-head screwdriver. Electrical screwdrivers are sometimes convenient, but they're no substitute. Manual screwdrivers can reach into more places and they are less likely to damage the screw.
13. Wire Cutters
Wire cutters are pliers designed to cut wires and small nails. The side-cutting style (unlike the stronger end-cutting style) is handy, but not strong enough to cut small nails.
14. Respirator / Safety Mask
While paints and other coatings are now manufactured to be less toxic (and lead-free) than in previous decades, most still contain dangerous chemicals, which is why you should wear a mask to avoid accidentally inhaling. A mask should also be worn when working in dusty and dirty environments. Disposable masks usually come in packs of 10 and should be thrown away after use. Full and half-face respirators can be used to prevent the inhalation of very fine particles that ordinary facemasks will not stop.
15. Duct Tape
This tape is extremely strong and adaptable. Originally, it was widely used to make temporary repairs to many types of military equipment. Today, it’s one of the key items specified for home emergency kits because it is water-resistant and extremely sticky.
by Nick Gromicko and Ben Gromicko
Most people don’t know how easy it is to make their homes run on less energy, and here at InterNACHI, we want to change that.
Drastic reductions in heating, cooling and electricity costs can be accomplished through very simple changes, most of which homeowners can do themselves. Of course, for homeowners who want to take advantage of the most up-to-date knowledge and systems in home energy efficiency, InterNACHI energy auditors can perform in-depth testing to find the best energy solutions for your particular home.
Why make your home more energy efficient? Here are a few good reasons:
As much as half of the energy used in homes goes toward heating and cooling. The following are a few ways that energy bills can be reduced through adjustments to the heating and cooling systems:
Demand-type water heaters (tankless or instantaneous) provide hot water only as it is needed. They don't produce the standby energy losses associated with traditional storage water heaters, which will save on energy costs. Tankless water heaters heat water directly without the use of a storage tank. When a hot water tap is turned on, cold water travels through a pipe into the unit. A gas burner or an electric element heats the water. As a result, demand water heaters deliver a constant supply of hot water. You don't need to wait for a storage tank to fill up with enough hot water.
3. Replace incandescent lights.
The average household dedicates 11% of its energy budget to lighting. Traditional incandescent lights convert approximately only 10% of the energy they consume into light, while the rest becomes heat. The use of new lighting technologies, such as light-emitting diodes (LEDs) and compact fluorescent lamps (CFLs), can reduce the energy use required by lighting by 50% to 75%. Advances in lighting controls offer further energy savings by reducing the amount of time that lights are on but not being used. Here are some facts about CFLs and LEDs:
Sealing and insulating your home is one of the most cost-effective ways to make a home more comfortable and energy-efficient, and you can do it yourself. A tightly sealed home can improve comfort and indoor air quality while reducing utility bills. An InterNACHI energy auditor can assess leakage in the building envelope and recommend fixes that will dramatically increase comfort and energy savings.
The following are some common places where leakage may occur:
The following systems can be installed to conserve water usage in homes:
Appliances and electronics account for about 20% of household energy bills in a typical U.S. home. The following are tips that will reduce the required energy of electronics and appliances:
Daylighting is the practice of using natural light to illuminate the home's interior. It can be achieved using the following approaches:
About one-third of the home's total heat loss usually occurs through windows and doors. The following are ways to reduce energy lost through windows and doors:
An enormous amount of energy is wasted while cooking. The following recommendations and statistics illustrate less wasteful ways of cooking:
by Nick Gromicko, Ben Gromicko, and Kenton Shepard
Every year, tens of thousands of Americans contract diseases from their pets. Combine that with the fact that 85 million U.S. families (or 68% of all households) own at least one pet, and you’ve got a reason to be concerned. Though they are rare, these pet-borne diseases – known as zoonotic diseases – range from salmonella to the plague, and can be contracted directly or indirectly. Luckily, there are simple measures that homeowners can take to ensure their family's and their pet's health.
Aquarium fish inhabit their own self-contained spaces and, as such, tend to be safe for the household. But Mycobacterium marinum, a bacterium that causes skin infections in people, still manages to invade the home via contaminated aquarium water. Affected fish may have lesions, scale and fin loss, and/or a lack of appetite, though they do not always exhibit symptoms. When purchasing a new fish, pay careful attention to ensure that your prospective pet inhabits clean, clear water, is energetic, is eating properly, and displays the typical coloring for its species.
Mycobacterium marinum is usually spread to humans through exposure to contaminated water via accidental consumption or an open wound, so cover all wounds when handling the aquarium, and thoroughly wash your hands afterward.
Cats are the second most popular pets in the United States. They can be indoor, indoor-outdoor, or stray. Among the most common diseases transmitted by cats is toxoplasmosis, which is caused by a parasite that infiltrates the cat's system through the consumption of contaminated raw meat or infected rodents. It can spread to people through the cat's food or from exposure to the infected cat's feces.
Healthy people who suffer from toxoplasmosis usually only experience flu-like symptoms. However, those with compromised immune systems can endure confusion and even seizures. Pregnant women are at greatest risk, which is why they're discouraged from coming into contact with cat litter boxes. A fetus that contracts the disease during the third trimester may die in utero. Most affected newborns show no symptoms at all but may develop deafness, blindness, and/or mental disorders later in life.
Avoiding the threat of toxoplasmosis is easy, however. You can opt to keep your cat indoors. Regardless of whether you have an indoor or outdoor cat, you should also regularly clean its litter box, ensure that all food (both human and pet) is properly stored, and maintain your home's cleanliness to keep it pest- and rodent-free.
Cat-scratch disease isn’t quite as easily avoided. It’s caused by Bartonella henselae, a bacterium that 40% of all cats will carry at some point in their lifetime, although kittens are the likeliest carriers. Symptoms in people include infection at the site of a scratch or bite, swollen lymph nodes, fever, headache, lack of appetite, and exhaustion.
The best way to avoid cat-scratch disease is by deterring scratching and biting behavior so that an injury doesn’t happen in the first place. If you wind up getting scratched, disinfect the wound and dress it properly, even if it’s small.
Both MRSA (a type of staph) and hookworm (a parasitic nematode) are passed from animals to humans through direct contact. Your cat can carry MRSA without any symptoms. On the other hand, with hookworm, your cat may suffer anemia, weight loss, and perhaps eventual death if left untreated. Prevention in both cases entails sanitary practices (i.e., the use of gloves when handling feces), keeping your cat indoors, scrutinizing your cat for any observable changes to its health, and scheduling regular visits with the veterinarian.
Last but not least is the family dog. Because of its exercise and toilet requirements, it's not practical to keep your dog indoors in an attempt to eliminate the risk of their coming into contact with bacteria or parasites. So, there's no shortage of possible health concerns that must be addressed in order to protect the lives of people and their canine companions.
The best-known threat is rabies, a virus most often passed through bites from infected animals. Symptoms can develop within days or months after the initial exposure. These include fever, nausea, vomiting, difficulty swallowing, excessive salivation, anxiety, confusion, hallucination, and paralysis.
One crucial way to avoid rabies transmission is to supervise your dog when it's outside. Hunting dogs are particularly vulnerable to rabies exposure by both prey and predators. So, be sure to familiarize yourself with the area around your property, and find out if there are any caves or other natural features that may attract a concentration of wildlife.
Salmonella is another threat, and, oddly enough, you are most likely to be exposed to it through your pet’s food. Both raw and dry pet food can become contaminated, so handle it with care, and ensure that small children do not have access to it.
What It All Means
It goes without saying that this is not an exhaustive list. Efficient and diligent sanitary practices are your first and most effective line of defense against pet-borne parasites and bacteria. Regularly observe and maintain the health of your pets. Wash your hands after handling their food, toileting materials, and their toys and equipment. Maintain the cleanliness of your home by sweeping, vacuuming and wiping down surfaces. And supervise your pet when it's outdoors.
As is always the case, the start to a healthy home is an attentive and engaged homeowner — especially when that homeowner has a pet. And don't forget to contact your InterNACHI®-certified home inspector to get an Annual Home Maintenance Inspection to keep your home safe and in top condition year-round.
My Names Keith Provencher, your friendly Texas Home Inspector. I am putting this blog together to give home owners past, present, or future some advice on keeping your home in top shape. Some maintenance here and there and that investment you made will last for generations