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Once upon a time, if you wanted to build a sunroom onto your home, you would have to hire and pay a contractor to do it for you. But with the introduction of sunroom kits, that is no longer necessary. You can order a do it yourself sunroom kit from any number of sunroom manufacturing companies, who will then ship to you the elements that are necessary to put the room together. The idea behind sunroom kits is that you should be able to save money on getting your sunroom installed by putting it together yourself. Not only are you providing the labor, but you are also cutting out the ‘middle man’ in the process of building your sunroom. This allows you to save money on the materials as well. Plus, depending on the do it yourself sunroom kit that you choose, you can also save money on future energy and maintenance costs.
First, understand that the price of a do it yourself sunroom kit will vary depending on your home’s particular situation. For example, if you are choosing to build a small, aluminum sunroom on top of an existing deck or cement slab, it will be much less expensive than building a block foundation sunroom with more windows and wood framing. If you have an existing deck or slab, then it makes sense to choose that location for the sunroom because it is already properly graded and prepared. In that case, you can measure the deck or slab and get the proper measurements for ordering your kit. But if you don’t have a slab or deck already, then you will need to decide on the proper location for your sunroom. You will also need to grade and prepare the area before you can begin construction. This obviously changes the amount of work that you will be requiring of yourself when installing your do it yourself sunroom kit. Of course, you could always hire a contractor to put in the slab for a block foundation sunroom, and then build the rest of it yourself.
Choosing the Type of Do It Yourself Sunroom Kit
When you are ordering a sunroom kit, realize that it is usually designed for a sunroom that is not going to be connected to your HVAC system. If you want your sunroom to be heated or cooled by your existing system, then that is likely not a project you will want to take on with your do it yourself sunroom kit. Otherwise, you’ll be relying on fans and portable heaters or coolers to keep your sunroom comfortable. Depending on the climate where you live, this may be just fine for you.
Getting a Quote for Your Sunroom
Companies that provide do it yourself sunroom kits have a number of standard sizes and types that they are ready to provide for you. These are the least expensive options because they are able to mass produce them and package them at a savings to them, which they will then pass on to you. However, that doesn’t mean that you can’t find the right kit for you and the design that you have in mind. If you find that the standard kits you can find don’t fit the sunroom that you are looking to create, then you can certainly get a custom kit created, but you need to realize that it will cost more to do so. In order to get a quote for the sunroom kit you want to order, you will have to provide them with the measurements that you have selected for the design. This doesn’t just include the dimensions of the sunroom itself; it also includes knowing how many windows you will have and where they will be placed. You will then also have to choose the materials that you want the sunroom to be built from, and the types of windows that you want. Will they all be stationary or will they be movable? What kind of glaze will they have on them? If this seems like it’s an overwhelming number of decisions to be made, don’t worry; you can get a great deal of help from the sunroom manufacturers themselves. Many of them have online design pages that will walk you through all of the choices you will need to make for your custom sunroom kit. The final kit, based on the design that you created, will be shipped to your home and will include customized installation plans as well.
Possible Problems With Do It Yourself Sunroom Kits
Probably the most common problem with a do it yourself sunroom kit is that the person who ordered it is simply not prepared for the type and amount of work that is involved. If you are not absolutely certain that you have the time and know-how to install the kit, you should think twice before attempting it. Also, remember that if you are doing the installation yourself, the work is not going to be covered by a guarantee of some kind. The materials will be, but the actual construction itself will not be. Plus, if you do make an error, any damages to your home may not be covered. In fact, it is a good idea to check with your homeowner’s insurance policy before deciding to install your own sunroom so that you know whether or not you are covered for accidents that damage your home or cause injury to yourself or others. Otherwise your ’savings’ could quickly become extremely costly if you have an accident.
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You may not be aware, but depreciation plays a very large role in the calculation of a home insurance claim. It is important for homeowners to be aware of who determines the calculations of depreciation and what method, exactly, is used in determining that rate of depreciation. With any home insurance policy, you should be aware of this information.
The entity responsible for determining the depreciation is ultimately the insurance company. Your insurance company will decide the amount of depreciation and will subtract that amount from the cost of your property. The rate will stand as they decide unless you challenge their calculations. Some homeowners do challenge their insurance companies when they make an insurance claim.
The way in which these rates are determined is through published depreciation tables. These tables list the useful life and depreciation of a wide variety of properties. Such depreciation tables can be accessed through your home insurance company or may even be found online. More often than not, home insurance adjusters and their claims departments; also have computer software that has the insurance depreciation tables factored in. Such software makes figuring depreciation very easy and almost error free. The insurance adjuster simply fills in the type of property, its condition and its age and the software figures the depreciation automatically.
One very dangerous, but frequent way that depreciation is calculated is when the insurance adjuster makes a guess. Often, insurance adjusters will make a guess based on their past experience. Sometimes, their guesses are correct but many times, they are not. If you think that your home insurance adjuster may be guessing at depreciation calculations when you file a claim, definitely do your homework.
Before making a home insurance claim, it is best to have a full understanding of what type of coverage you have. A standard home insurance plan will cover dwelling loss as well as contents (personal property) loss. It is very important to ensure that your home insurance plan also has coverage for the value of the contents of your home. If you do not have this coverage and experience a home loss, the insurance adjuster will depreciate every item in your home.
Recoverable depreciation is also worth understanding if you are going to make a home insurance claim. This type of depreciation will determine what conditions exist and how losses are settled. In most cases, the home insurance company will pay you the actual monetary value of the damaged or lost property until repair or replacements are completed. If depreciation is not calculated properly, you could stand to lose thousands.
In order to successfully file a home insurance claim and ensure that your depreciation is calculated accurately you must be informed. You should always require that your insurance adjuster provide copies of the exact depreciation tables that they use. When your claim is filed, if you find that the tables and actual estimate do not match, you can refuse the claim and demand that the claim be re-estimated.
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www.bucciinsurance.com Andrew Gobeil, abc6 anchor, speaks at Bucci Insurance Group’s Social Media Event, July 2010. For all your insurance needs, we service Warwick, West Warwick, Cranston, East Greenwich, and Providence, Rhode Island. Visit www.bucciinsurance.com today for a free quote!
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