12 Ways to Protect Your Home During Florida’s Rainy Season

While Florida is known as “The Sunshine State” from June to October our state experiences its rainy season. During this five month period Florida experiences up to 70 percent of its regional rainfall in an average year. The rainy season can also bring flooding, which may occur when large amounts of rain fall over a short period of time or from a single heavy storm, tropical system or hurricane.

If you haven’t lived in Florida for long, you may not know that our climate has two seasons: wet and dry. Flood and drought are frequent visitors, the result of too much or too little rain. In any year, drought can happen during the wet season, and flooding can occur when we least expect a downpour. Weather in South Florida has a way of ignoring the calendar and expectations of “normal.”

Whether your are a homeowner or a renter, it’s important to be prepared for the rainy season, as the weather can change instantly and without warning.

Here are 12 ways to help keep your home safe during this period:

  • Caulk cracks around windows and doors to prevent water from seeping inside. Check old caulk every year for chips and cracks, which indicates the caulk has dried out and needs replacement.
  • Check and trime trees in your yard. Remove any small or dead branches, which could fall during heavy rain and cause damage.
  • Remove leaves, branches and debris from gutters and drains. Otherwise, water could overflow and rot the woodwork around the roof area.
  • Check your roof for any loose shingles or possible holes which could result in leaks. Hire a licensed roofing contractor to make repairs so you are covered in the event of a liability.
  • Plug sewer traps with check valves – special valves that direct water in one direction only – thereby preventing it from backing up into your home. You can purchase these at a hardware store, or improvise by using large corks or stoppers to plug sinks and tubs in an emergency.
  • If you own a pool, lower or empty the water level all together, so it is less likely to overflow during heavy rain. The chlorinated pool water can be harmful to your grass.
  • Turn off automated sprinkler system when rain is expected.
  • Stock up on sand and sandbags to fill in low areas around your home. Some local fire stations provide sandbags to residents during the rainy season.
  • Be sure to stock up on water and non-perishable items. Have a flashlight, batteries and a first aid kit on hand in case you get stranded in your home.
  • Ask your local planning and zoning office whether your property is above or below the flood level, and find out if your area has a history of flooding.
  • Keep important documents – including insurance policies, birth certificates and passports – in a firesafe or easily accessible waterproof box.
  • Become familiar with your home’s fuse box. Know how to turn your electricity off in the event your house gets flooded. Make sure not to turn it back on until everything has dried out.
Roberta Burish
Florida Gulf Coast Real Estate Specialist

941-704-4223
rburish@kw.com

Part 4: Florida New Home Construction vs Resale

In our latest entry regarding new home vs. existing construction, we will take one final look at the advantages and disadvantages of each, and how you can navigate through the options of each to come to an informed decision.
When it comes to buying real estate, may in be in southwest Florida or anywhere else in the world, the top three criteria in evaluating property comes down to three simple items:

1. Location – a good neighborhood with good schools, easy commuting distance, and good resale values will always be a better choice.
2. Condition – a house needing a lot of work can be a bad bargain, and one needing less work a better one – that goes without saying, depending, of course, upon…
3. Price – Price is king, even though I listed it last. A fixer-upper can be a good deal, if it is priced reasonably (the delta being less than the cost of repair). But price can’t really trump location. You can fix a leaky roof, it is harder to fix the neighborhood or school.
So how do these criteria apply to (A) existing homes, (B) homes for sale in a development, and (C) having a home built to order? Let talk about it.

1. Location, Location, Location

For Existing Homes, the market value of the homes is fairly well established by resale values. And that should tell you a lot about the neighborhood as well. So you can research this and figure out whether the location is right for you.

For new homes, this can also be the case – or not. In crowded urban areas, there are no places to build new homes – so newer homes may tend to be further out – meaning longer and longer commutes. And if the neighborhood is totally new, it is hard to gauge resale values and school systems – if they are still being built.

The first step involved here is to research the neighborhood. In particular, review home prices in the area first. Lookup property taxes to get a better sense of your total payout, as most of that information is available online. A brand new home in a brand new neighborhood could become a problem down the line if it’s built in a bad area. For example, if you build a $500,000 home in a county where the average home price is $150,000, chances are that it will be a very hard home to sell down the road.

2. Condition

You would think new homes would win this one, hands down. After all, everything is new, right? Wrong.

For new homes, usually the builder offers a warranty of some sort – and of course, before you take possession, there is usually a “punch list” of items to be fixed (more on this, later!). It can be commonplace for new home owners complain about a leaky roof, a backed-up sewer or appliances that fail. Yes, those are all nightmare scenarios, but they usually occur on the watch of the first owner in the first few years. Which is why it would be wise to look into a home warranty to cover some of these potential mishaps.

On the other hand, this does not automatically mean that a “used home” is always a better deal. A home inspection is always a good idea for a used home or a new one. For existing homes, the inspector can point out how long to expect things to last. In general, roofs, appliances, air conditioners, etc. all last about 15 years or so. If you buy a 15 year old house, and all these items are original, well, you have an idea what to expect – just as much trouble, if not more, than a new home. But if priced properly, and you can budget to replace these things, it may be a better deal.

A well-built home from a reputable builder with a good home warranty can be a good deal, but expect to have some “teething pains” in the first year or so. An existing home can be a good deal, but have a home inspection done to make sure there are no hidden defects either. And by the way, a home warranty for an existing home is not that expensive, and some sellers will offer it to induce people to buy. It never hurts to ask!

3. Price

Upgrades are a problem, as the builder makes a lot of money on them. For example, if you want a deck installed, the builder will say “Sure” but quote you twice what a local carpenter would charge. So you see many of these new homes with no decks, because the house-poor buyer can’t afford the outrageous charge the developer wanted, but doesn’t have the cash to hire a local carpenter.

So, you may be able to use upgrades as a leverage – get a free or reduced price upgrade in the place of a price cut – the builder keeps his prices stable, and you get something.

Existing homeowners, on the other hand, are getting desperate – and many are facing foreclosure, short sale, or their homes are in foreclosure. There are super-bargains galore out there right now, in many markets (like southwest Florida) and in such markets, buying a new home may not work if one is inclined to purchase a short sale or a foreclosed property.

Before you decide to build, check resale prices on similar houses and make an informed decision – and expect cost over-runs on new construction, especially if you are having a home built to order.

4. Hassle

This is a factor that was not mentioned previously, but makes sense to mention. If you buy an existing house, you can close in 30 days and move in, with the kids ready for school and your husband ready to go to work.

A new house takes longer to build than anyone thinks it will. And the hassles are enormous. Most folks report it is like having a second job, just monitoring the progress of construction, making decisions with your builder, etc. And if they say it will be built in a month, factor in three months. It usually works out that way.

So why do people build new homes? For many, it is emotional reasoning – “We get to have exactly what we want!” people say. But there is a problem with emotional argument. First, chances are, what you want is what other people want – and an existing home is out there that is pretty close to what you want. Unless you are building a Frank Lloyd Wright home, you will likely end up with a traditional home that will be remarkably like everyone else’s.

And this is a good thing, as oddball houses are very hard to sell, down the road. An Eco-Yurt or a Buckminster Fuller Dome Home may be very cool and eco-friendly, but very hard to sell. A medieval castle may be really cool, but one wants a home with a dungeon (well a few people do, and they scare me!).

So getting “just what you want” is a pretty specious argument. Odds are, you want what is already out there.

New is nice and all, but it becomes “used” in short order. So buying a home on the emotional logic of new paint smell or new sheet rock, is sort of a bad idea.

One other thing: Bear in mind a new home has no lawn, trees, shrubs, plantings, deck, or a lot of amenities. In many cases, you may not even get a driveway. Factor in those costs and hassles into the equation. Living on a bare lot with a scraggly lawn and no trees is no fun. An existing home may have lush landscaping and a lot of accessories that you would have to pay for.

And living in a construction site is never fun, and if you buy a home in a new development, you can expect a lot of noise and dust until it is finished out. Your home may be done, but what about the one next door?

So what’s the Answer?

The final answer really is: None! Each situation is unique. It depends on the location you are looking at what your preferences are.

My personal take is that I would look to see if there are motivated sellers in the market area I am looking at, and seek out a good deal. If there are lots of foreclosures in a particular area, I suspect you would get a much better deal on existing homes than new construction.

And finally, even if the price differential was neglible, I would think hard about the hassle-factor. What decision would be easiest, and less costly for you in the long run?

Roberta Burish
941-704-4223
rburish@kw.com

Part 3: Florida New Home Construction vs Resale

Buying Old Homes vs New Construction

If you’re looking to move, there’s no doubt you already have an idea in mind as to what your perfect home would look like. Maybe you were inspired by something you saw in a movie or in a magazine. Perhaps you are thinking of beachfront property with a deck, sipping a cold drink with a loved one and watching the sunset.

Or, maybe you’re looking for something brand new, with a modern, contemporary style, the latest amenities and a minimal amount of maintenance, because you would rather spend you time enjoying your home than constantly working on it.

Let’s say that you decided to opt for a more traditional home – what real estate agents typically call a “single-family detached house” (with or without the swing set). The big issue now is to decide whether you want a brand-new home that no one else has lived in or an existing home with some history and, perhaps, a bit of character. Both have their pros and cons, and understanding how they differ is crucial to finding the one that completes the picture for your particular lifestyle.

New House, New You?

New cars have that new-car smell; a newly built home has the smell of fresh wood and paint. It signifies the suggestion of a new beginning. These days, most new homes are built in developments like the South Oak subdivision in Ellenton, Florida, have a unified style with more than one communal areas, and consist of anywhere from a handful to hundreds of homes. Built to the latest codes and standards, they tend to be contemporary styled, energy efficient, and more expensive than resale homes of a similar size.

The question is, are the nicer amenities worth the added cost? Specific details vary, of course, but consider the pros and cons.

The Pros and Cons of New Construction
PROS

  • Contemporary style
  • Some flexibility on design during construction phase
  • Cheaper to maintain (new appliances = fewer repairs)
  • Cheaper to operate (energy-efficient construction)
  • Extended warranties
  • A cohesive neighborhood (consistent layout, common areas)
  • The smell of fresh paint
  • Frequently have a homeowners association (helps protect resale value)
CONS

  • Cookie-cutter design
  • Higher price (upscale amenities, current construction costs)
  • Limited negotiating room on price
  • Generally smaller yard
  • Potential for monthly homeowner dues
  • Risk of shoddy construction
  • Frequently less character, or homogenous design
Of course, one homebuyer’s pro ( “No one has lived in it before us, so we won’t inherit any problems…”) can be another’s con ( “No one has lived in it before us, so we have no way of knowing about any problems…”). Fortunately, there are ways to make sure the house you’re buying is really the house you want.

Check the builder’s track record. What is their reputation? Were their projects completed on-time, on budget and without bad blood between builder and buyer?Take a walk around the neighborhood. Talk to the residents if possible. Tell them you are thinking of buying – would they recommend the builder? Were there any issues or problems?Did they live up to their contractual commitments?Picture your home, not the model home. You can certainly have the granite counters, surround-sound home theater, and gold-fixture jetted tub you saw in the model home, but they’re not included. The amenities in the model home are all available options the builder has to offer. Just know whatever you decide to add, you will have to pay extra for them.Finally, consider the intangibles. Similarly styled homes attract like-minded buyers, and most developments are built with families in mind. Depending on your point of view, the consistency, conformity, and kids playing in the street can be a blessing or a curse.


The Pros and Cons of Resale Homes

PROS

  • Availability: More choices, more styles to choose from
  • Lower price: It’s not new anymore
  • Price may be more negotiable
  • Track record: Many repairs already made
  • Established neighborhood
CONS

  • More maintenance: Things break or wear out
  • Less energy-efficient: More costly to operate
  • Dated design, older appliances and amenities.
  • Generally smaller bedrooms, bathrooms, and windows
  • It’s been lived in!
With new construction, there are ways to make buying a resale home less scary:

  • Have the home inspected. You do not want to find out the foundation is rotten or the roof needs to be replaced after you move in.
  • Consider a counter-offer. If the inspection reveals fixable flaws, propose the seller do the repairs or lower the price.
  • Expect the unexpected. Pipes leak, foundations crack, and furnaces fail — get used to it.
  • Be honest with yourself. If major repairs are required, you’ll either have to do them yourself or bring in the professionals. Some people can handle the disruption; others can’t.

Put it all together and the bottom line on resale homes is this: Don’t buy someone else’s problems unless you can tackle the solutions. Find a house you like, consider its pros and cons — objectively, as well as emotionally — and think about the compromises you’re willing to make. The more logically you approach buying the house, the more you’re going to love living in it.

Roberta Burish
Florida Gulf Coast Real Estate Agent
rburish@kw.com
941-704-4223