You Should Visit Homes when it’s Raining

     A question I get often from home buyers is…”should we cancel our scheduled showings for today, it’s raining?”  My reply comes extremely fast, “NO, this is a perfect time to see your future home.  We have more days of sun than rain, but rain can do more damage so this is a blessing in disguise, let’s go!!!!”  Bottom line, if your saftey is not put at risk, a rainy day visit is a GREAT idea. 

     Do not put yourself in harms way…do not drive through standing water if you ar not 100% sure that it’s safe.  Also be mindful of tornadoes, hail and lightning.  So if it’s a pop up storm, you might get to see how your home and property reascts to the rain.  Does the water pond in the backyard?  Are you being flooded by the neighbors draining.  Are the streets flooded, for how long.  These are questions you cannot view for yourself on a sunny day.

     Preparing to view a home in the rain is a little different and it’s mostly about trying to stay dry.  Rain coat, check, rain boots, check, umbrella check.  Under sunny conditions you would look at the front of the home, pan around to the neighbors and then go in the home.  When it’s raining your going to want to do more walking around the front of the home, viewing where the water is coming off the roof and where does it go from their.  I have actually made paper boats so my clients could visually see where the water is flowing.  Do all of your outside stuff first, then gather at the front door.  Now it’s time to take off your rain boots, your rain coat, collapse your unbrella and leave everything outside.  Yes, leave everything out side.  You do not want to track water or mud through your potential new home. 

Let me know if your ready for a rainy day visit, I’m here to help you to…Live Life to the Fullest.  Scott Culberson, Broker Associate, Better Homes and Gardens Real Estate Gary Greene, Email-Scott@ScottCulberson.com

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REAL ESTATE CLASS FOR REAL ESTATE PROFESSIONALS

       Real Estate Professionals in Texas must complete continuing education every two years.  Sometimes you just need to break out of your comfort zone and take a class that just might CHANGE the way you approach real estate.  THAT CLASS IS HERE AND NOW…

CREATING MOMENTS FOR BUYERS AND SELLERS #33846 (see flyer for details)

       It’s not too late to join me on a roller coaster ride of a class….your final desination—Clients that will remember you for life.  Free lunch and learn.

FLYER

 

Email me Scott@ScottCulbersonc.om if you have any questions.

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I look forward to helping you to…
Live Life to the Fullest,
Scott Culberson
Real Estate Instructor #4547

INTERVIEW WITH ED FALKENSTEIN INSURANCE AGENT

Scott: Today we have another interview and today’s guest is Ed Falkenstein with Gibraltar Insurance Services.  Ed why don’t you tell us something that we might not know about insurance.

Ed:  One of the biggest things that I usually get questions about when we do insurance quotes is why does my insurance cost so much and why is the replacement cost of the dwelling coverage so much higher than the purchase price?  The reason for this is called replacement cost versus the actual cash value. Actual cash value is not necessarily the best thing in mind when you have a loss because if you insure on actual cash value you are not going to get full replacement cost and you therefore will not get 100% of your home rebuilt.  What you get is a settlement and not a good thing when it comes to clients claims process, therefore that is why an A plus rated carrier always insures on full replacement cost to protect you, the insured from that total loss

Scott:  Okay, so if your house wasn’t built yesterday then what do you want your home insurance to be based on?

Ed:  to have it based on the full replacement cost including inflation and cost to build, in other words if you are going to be in the house for 10 to 15 years from now and if you have a total loss, you will want 100% of your house rebuilt,  not 75 or 80 per-cent.

Scott:  Thank you Ed, that’s some great information.   Our Guest today was Ed Falkenstein with Gibraltar Insurance Service.  If you have questions about insurance you can email ED at Ed.falkenstein@ghfs.net.  You can also email me at Scott@ScottCulberson.com and I’ll make sure Ed gets back with you.

You CAN Live Life to the Fullest and I can help.

Scott Culberson Broker Associate, Better Homes and Gardens Real Estate Gary Greene.

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