Inspection Insights
A typical fireplace consists of a firebox lined with firebrick (the area where the logs burn). The heat causes a draft that pulls the smoke up the flue, usually a tile or metal liner inside a masonry chimney. A damper regulates the draft and keeps air from escaping when the fireplace is not in use. A smoke shelf behind the damper prevents the outside air from pushing smoke into the house.
Gas Fireplace
This type of unit is mostly decorative and should always be operated with the damper open so carbon monoxide will vent up the chimney. A direct-vent version is available that does not require a chimney because CO is expelled out the rear.
Fireplace Insert
These units fit into an existing fireplace and work more like a wood stove. The space around the unit must be covered with sheet steel and sealed with cement grout or mortar. A flue liner must extend through the top of the chimney. This improves the draft, keeps the gases hotter (reducing creosote) and reduces the risk of flue gases seeping back into the house.
Wood Stove
A modern wood stove is more efficient than a heat-circulating fireplace. Advanced systems create conditions to burn combustible gases without the use of catalysts. With catalyst stoves, a ceramic honeycomb extracts heat from the flue gases. Pellet stoves use manufactured pellets that are fed into the combustion chamber.
Maintenance of a fireplace or wood stove:
* a stove will perform better if a one or two-inch layer of ash is left over the grates
* clean the chimney when creosote buildup reaches 1/8 inch, to prevent fires
* repair the firebox and masonry - any cracks wider than 1/64 inch pose a fire hazard
Safety Tips for Fireplaces and Wood Stoves
* Do not burn trash, Christmas trees, or wrappings.
* Do not burn pressure-treated or painted wood.
* Do not burn pine or other soft wood.
* Line old chimneys with tile or metal.
* Purchase only direct-vent fireplaces rated by the Underwriters’ Laboratories(UL), the American Gas Association (AGA), or the Canadian Gas Association(CGA).
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Contact the Jeffrey Team for more information - 416-388-1960
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Every 10 seconds or so, a burglar breaks into someone’s home or apartment. Statistics show it takes the average burglar as little as five minute to get in and out.
Here are some ways to make your home less appealing to burglars.
Keep your garage door locked.
That is where many burglars get into your home. Often, we worry about locking all the other exterior doors, and burglars know that. So they head to the garage first.
Know the surprising time.
Most home burglaries occur between 3 and 6 p.m. These burglars are usually older teenagers who strike after school, so make sure you lock your doors and windows during the day too.
Avoid the safety precaution that can invite burglars.
Large bushes and trees in front of your windows are an open invitation. You may think that you are making it harder for burglars to get into your house, but it just gives them privacy from neighbors while they break in. Instead, plant thorny, short, or slim bushes like cactus or pyracantha.
Know the biggest mistake people make.
Lock your door when you go to a neighbor’s house. Heading down the street for five minutes gives burglars all the time they need.
Install lights with motion sensors.
These lights usually cost under $50 and can reduce your risk of burglary by more than half. Burglars don’t want a spotlight, so the minute that light comes on, they’ll change their mind and go somewhere else.
Know where not to keep your valuables.
Burglars often hit just two rooms: the master bedroom for jewelry boxes and valuables, and the living room for the big stuff. Consider stashing valuables in the linen closet or family room desk. Most thieves won’t make time to look there.
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Contact the Jeffrey Team for more information - 416-388-1960
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Before buying your home, find out what’s covered and what’s not
By Nadia Dalimonte, Articling Student, LAWPRO
From New Dream Homes and Condos Magazine
When it comes to the single largest investment most of us will make – buying a home – you want to make sure you’ve protected that investment to the best of your ability.
Why even consider title insurance? Because the unexpected can and does happen. The most typical situation in which homebuyers call on their title insurance policies involves unpaid utility or realty tax bills from the previous owner. The second most frequent category of claims relates to building code issues. For example, a couple buys a house planning to add a new wing to their home. When the building inspector arrives for an on-site inspection, he discovers that an earlier renovation was not done to code, and the whole home needs to be rewired. If the owners have a title insurance policy in place, the insurer could compensate the homeowners for the costs of bringing the electrical work up to code.
Title insurance also protects homeowners if the house is not located on the property accurately and encroaches onto neighboring land, or if a pool has been built that is actually on a neighbour’s property. A title insurer could resolve this problem by buying the piece of land that the house (or pool) actually sits on from the neighbour, and taking care of all the related legal work.
Condominium owners have also found title insurance protection useful. Take the example of a newly built condominium unit purchase. The buyer of a particular unit is shocked to find out that the unit purchased is a different unit from the one that he or she was expecting to buy. Unfortunately, the unit actually acquired is worth less because it does not have a “lakefront” view. In this instance, the legal services coverage available through the TitlePLUS policy was called on, and the buyer was compensated for the difference in value between the unit he took possession to, and the unit he thought he had bought. This legal service coverage, which protects you for losses suffered as a result of the negligent errors of your lawyer, is generally not available from most other title insurance companies.
Title insurance can also benefit you in other ways: It can eliminate the need for an up-to-date survey while protecting you against any title-related issues that would have been identified by that survey.
For many buyers, the fraud coverage provided by title insurance is particularly reassuring: it not only helps protect you if you are the victim of fraud, but also pays the costs involved in defending your ownership in the property and restoring your title to the home.
As with any type of insurance policy, certain exclusions will apply. Typical issues not covered include native land claims, environmental hazards and the buyer’s rights to change the use of the land or undertake renovations or construction. Problems the buyer agreed to in the purchase agreement or failed to disclose to the lawyer will also not be covered. It is therefore vital that you tell your lawyer of any problems that your agent told you about or that came to light when you visited the property. As well, individual policies may contain exceptions specific to the homebuyers’ property. For example, minor utility easements or rights-of-way for a mutual driveway may be specifically listed as exceptions to coverage.
Bear in mind that, in general, if the problem is not a “legal problem,” it is likely not covered. Title insurance provides protection against title-related problems; it is not home warranty insurance, and will not protect you if your fridge breaks down or the furnace gets old. As with any insurance purchase, you should consult the policy for full details of the actual terms and conditions and have your real estate lawyer advise you. When purchasing a home, your real estate lawyer can help you sort out the various protections offered by different title insurance companies in order to get an idea of which risks are covered and which are excluded.
To help homebuyers better understand the benefits of title insurance, and the important role of a lawyer in a real estate transaction, TitlePLUS insurance has created a free Real Simple Real Estate Guide. You can access the guide by going to www.titleplus.ca.
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Contact the Jeffrey Team for more information - 416-388-1960
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