If we took a poll, probably a vast majority of people would recognize asbestos as a hazard. We know that it gets ripped out of schools and other public buildings. We recognize that people die from asbestos and that there are big class action lawsuits about the mineral.
There is a lot more we should know about this hazard previously thought of as a miracle product.
The use of asbestos dates back to the Greeks and Romans who used it to make cloth. It is a natural mineral, which varies by name and color depending upon where it is mined. There are 6 different minerals all lumped into the category of asbestos.
Asbestos is resistant to heat and most chemicals. The tough fibers were used as reinforcement and for heat resistance in many products for industry, homes and commercial buildings. It is a sneaky carcinogen because it was easy to add the mineral to a host of products that can disguise its presence to the naked eye. The reason for its widespread use is that it saved lives from fire hazards and improved the characteristics of many products.
Asbestos is Real Personal for Millions of Workers
You might scratch your head on how this happened. There was evidence of the medical risks of asbestos as early as 1920, but workers were not told of the dangers until the mid 1970’s.
Millions of workers including my father have died of asbestos related cancer. As a young man, I was exposed to asbestos in everything from joint compound to insulation and ceiling tiles while working in the family construction company.
With that said, my work as an asbestos testing professional is highly personal. Asbestos exposure still occurs today in many products and when it is removed by unsuspecting workers. Asbestos is still heavily mined in Russia and does find its way into products being manufactured today.
Asbestos in the News and on TV
Within the last two months, asbestos made the news when the WTDV reporters found that samples of a highlighter makeup called “Just Shine Shimmer Powder” that is sold in Justice stores contained asbestos. By the way, this product targeted for young people also contained a handful of toxic heavy metals.
Another example of possible asbestos that appears regularly on HGTV is popcorn or stipple ceiling finish material. Up until 1999, some manufacturers were adding asbestos to that material. Aspiring homeowners love to remove texture from ceilings which in turn contaminates a building with asbestos fibers.
In older homes, asbestos can be found in a many areas of the home, from roof tiles and decorative ceilings to wall insulation and vinyl floors. Below is a list of some of the most common asbestos containing materials.
CLUE Report can Solve Your New Home's Mysteries
You are looking at what may be your dream home. The house looks great, but it also looks like there may have been a roof leak, or maybe a tree fell against the house or sewer backup. Maybe you did not notice any of these potential indicators of previous problems, and the seller may have "forgotten" to mention the previous home tragedies .
Imagine your surprise to find out that the home you just purchased had a fire, mold problems, or a flood from broken pipes. If you do not think that happens, I can tell you first hand that it does. As an inspector, I hate the panicked look on a client's face when I ask questions like: "Did you know there was a fire in this home?"
Unveiling the Disaster Response Cover up
There is one disaster response franchise that uses the advertising tag line "Like it never happened". The point they are trying to make us is that the evidence of the disaster or tragic event will not be visible. However, if "it" really did happen, it could affect the insurability of the home and be an indicator of "covered up" defects. A $10,000 mold cleanup that did not address the cause of a mold problem could become your $10,000 problem next year. Broken pipes from freezing can be avoided if you know what conditions cause the broken pipes. Knowledge is power to avoid previous problems learned from experience.
A little detective work can save you a lot of headaches when you purchase your next home. To help you do that due diligence, let me introduce you to the CLUE report . CLUE stands of Comprehensive Loss Underwriting Exchange.
We have all heard of CARFAX. This service tells you all the dirty little secrets of the previous owners of the used car you are about to purchase. What most of us have never heard of is this very similar service for homeowners and home buyers.
The Potential Land Mine News About Your CLUE Report
The insurance companies argue that the benefit to consumers is that the service helps to keep premiums lower for good customers by avoiding higher risks. Repeated claims on a home can be indicative of a building with many problems or an insured that commits fraud or makes bad claims. This is sometimes true. There can be a solid argument for this "risk avoidance" by the insurance companies. This is not a "good thing" when your "new to you" home is the one being kicked to the insurance policy curb because of the previous owner.
CLUE reports can be a nightmare for a new and unsuspecting buyer purchasing a property. Most states allow insurance companies 60 days after issuing a policy to review adverse information about a home. You could lose your homeowner's insurance 30 to 60 days after you purchase a home because of what was on the previous owners' CLUE report. Most lenders require that homeowners insurance remain in force, or they can foreclose on the home.
CLUE Reports are administered by CHOICEPOINT, which is a data management company. The reason to know about this company is that at the same time they manage the data relating to your home, they also manage your personal data as the homeowner. The data provided in CLUE reports includes policy information such as the homeowners name, date of birth, policy number and claim information such as date of loss, type of loss and amounts paid.
A-Plus (Automated Property Loss Underwriting System) is another company that provides the same service as CHOICEPOINT. The insurance Services Office, an insurance industry organization, runs A-Plus to which about 1,250 companies contribute. Most people refer to the reports generated by either system as CLUE reports and for simplicity, we will do the same here.
Requesting and Using a CLUE Report as a Home Buyer
Unfortunately, as a buyer is in the process of purchasing a home, you can't order a copy of the home's CLUE report. On the other hand, you can request that a seller obtain a copy of the report and provide it to you as the buyer. The seller can obtain a copy of their report through their insurance agent or at the website:
https://personalreports.lexisnexis.com/homesellers_disclosure_report/landing.jsp
Once the real estate has closed, the buyer is then the owner, and can obtain the CLUE report using the methods above. However, the new homeowner may find a "surprise" of previous claims too late to protect from buying a problem property.
Some realtors are now encouraging buyers to start shopping for homeowners insurance coverage early in the real estate transaction process. They can include a contingency that the purchaser must be satisfied with the insurability of the property for the transaction to proceed.
Keeping You Out of the CLUE Controversy
One of the most controversial issues surrounding the information found in the CLUE database is that an innocent inquiry from a homeowner to their insurance company concerning their deductible or a possible claim, can trigger a file to be opened in the CLUE database-even if the homeowner does not file a formal claim. Keep this in mind when discussing potential claims with agents and insurance adjusters.
When Buying or Selling a Home, Get A CLUE Report
When selling, get a CLUE report before listing to avoid an embarrassing disclosure problem. This kind of surprise can derail a house sale. The report is free, and the avoidance of problems is priceless. A buyer that needs a mortgage will not obtain that mortgage unless they can purchase homeowners insurance. As a seller, if a deal goes south before closing over insurance issues, it will be very difficult to find another buyer.
When buying a home, request a CLUE report from the seller at the same time you make an offer. If there was a serious problem, the information can help your home inspector investigate the homes condition.
New Year's Resolutions for Your Home
We look to the New Year for a fresh start and better times. Why not include our homes in that time of renewal ?
What catches us off guard is that things often wear out a little at a time. The extension cords rubs a little, moves a little and three years later has bare exposed wires that can start a fire. That process happens with every part of our home.
Make your Home a Safer Place
Everyone knows to install and regularly check the smoke and carbon monoxide detectors. It is important enough that it needs said again.
Walk through your home and check for water leaks and mold. These can sneak up on any homeowner. That tiny leak can cause a big mold problem over time. The earlier leaks are found , the less damage they cause and the easier they are to correct.
Have the radon checked in your home. Radon is the second leading cause of lung cancer and South Western PA area has over a 50% failure rate.
Check your clothes dryer vent for blockage. Blocked vents can also cause the dryer heater component to overheat and fail. At best a lint blockage in the dryer vent can cost you a couple of hundred dollars in appliance repairs. On the hand, dryer vent pipe blockage is a leading cause of fires and carbon monoxide in the home.
We live in a world of chemicals. Some to clean, some to make things smell, some to make things work better and others to make our homes look pretty. Many of the chemicals can make some of us very ill.
Check the bottles and cans in cleaning closets for leakage. Remove chemicals such as pesticides, paint thinner and gasoline from inside of your home and garage. Storage in an exterior yard shed is a safe alternative.
Have your furnace cleaned and serviced each year. Hire a furnace company that also checks for carbon monoxide and natural gas leaks.
If you have and use a fireplace, have the chimney cleaned and checked each year before use. Check every heating appliance for safety, especially the portable heaters.
Consider having a home inspection. We usually only consider these when purchasing a home, but having a home checked for safety by a professional can be a good thing while you are still living there. It also could be a great gift for a senior or other family member not able to keep up with their home maintenance.
There are over 200 million appliances that have been recalled. Check for recalls to avoid fires or save major appliance repair or replacement. You can check www.CPSC.gov or use a fee based data base entry service to list and automatically recheck your appliances each month such as: http://www.appliancerecallcheck.com/