Real Estate Information Archive

Blog

Displaying blog entries 1-10 of 27

Exploring Roseburg Oregon: Zombie Ball

by Mary Gilbert

Saturday, September 29, 2018 - 8:00 PM to Midnight

Dress up like a zombie!  “Ghouly” bags to the first 24 people through the door!  Costume contests for king and queen of the undead, best zombie walk and best zombie sound.  Watch horror movies too!

For ages 21 and over.

Roseburg Elks Lodge #326
749 SE Jackson St.
Roseburg, OR

For more information call: (541)784-8430

Courtesy of The Mary Gilbert Group

Photo Credit: visitroseburg.com

Do You Need a Public Adjuster for Your Insurance Claim?

by Mary Gilbert

After a major storm or a freak accident that ends in massive amounts of property damage, you’re probably going to feel two things essentially at once: you’re going to be overwhelmed with the amount of damage that was caused and you’re going to wonder how you’re going to get the mess cleaned up.

A call to your insurance company will summon an insurance adjuster to help estimate the extent of the damage, but you have no say at all in who assesses the extent of the damage to your property or how much your policy should pay to help you rebuild.

Hire Your Own Adjuster — Problem Solved

If you’ve filed a claim before for a car accident, you’ve met an insurance adjuster employed by the insurance company that you’re filing on. This isn’t the guy you need when things get really hairy. Although he’s not out to get you, he’s working for the insurance company and trying to minimize their pay-out. That’s his job.

However, you can hire your own guy, known as a public adjuster, to help you navigate the complicated situation that comes around when a bicycle is flung through your garage door and then breaks out the back window of your car during a bad storm. Public adjusters receive the same training as those working for the insurance company, but instead of walking between two parties, the public adjuster you choose is working on your behalf exclusively.

Who Pays the Public Adjuster?

Many homeowners are hesitant to call a public adjuster because they think the fees will be significant. Of course the public adjuster needs to get paid, but many will take a percentage of your settlement rather than demand fee after fee. Anywhere from 10 to 20 percent of the final settlement is typical for the market.

It can be a lot of money, there’s no joke about it, but the difference between the insurance adjuster’s figures and your public adjuster’s figures can more than cover their costs. According to Bankrate’s research, a study of one Florida insurance company showed that the homeowners who used a public adjuster’s typical settlement was $22,266 where those who let the insurance company take the wheel only got $18,659.

To put those numbers into perspective, let’s assume the public adjuster had a 15 percent fee. On $22,266, the fee would be $3,339.90. Even once that fee is taken out, you’re ahead of the insurance adjuster’s payment of $18,659 by $267.10. If the public adjuster only has a 10 percent fee, that number gets even bigger — a whopping $1,380.40 in money you might have left on the table.

Working With a Public Adjuster: Best Practices

Just like working with any professional, there are better and worse ways to go about it. Unlike most other professions, most people know nothing about public adjusters, leaving them ill-prepared for how one works. Let’s talk about the claim cycle and how your contributions can speed up the insurance claim process.

* The Loss. Your house has the roof taken to Oz, a big tree in your yard crushes your car, a dirigible crashes into your picture windows — whatever happens, this has to happen first. If you call a public adjuster before you have a loss, it’s going to look mighty suspicious..
* First Contact. Who you contact at this stage is vital. You definitely need to let your insurance company know there’s an issue, but this is also the best time to get a public adjuster into the mix. If they begin at the beginning of your claim, they don’t have to hold up the show trying to get up to speed.
* Checking Your Docs. Find all your insurance papers and have them ready for your public adjuster. Your insurance documents double as a contract between you and the insurance company, it’s a really good idea to know what they say before you go into battle. Your public adjuster will be doing more in-depth research while you’re finding your papers.
* Documenting Your Claim. For personal property, this is generally most easily done with a video camera, but you’ll also need estimates for rebuilding your home. This is one of the many things a public adjuster can do for you if you don’t have the time or energy to line up the necessary talent.
* Submitting Your Bundle. Once everything’s put together, all your damages documented and the cost to get your life back together put down in writing, your public adjuster will give the packet to the insurance company for their consideration.
* Negotiating a Settlement. Finally, your public adjuster will stand in your corner and defend your claim with all they have. If there’s room for negotiation and you’ve given them permission to do so, the public adjuster may counter a lower offer from the insurance company on your behalf.

Since public adjusters get paid a percentage based on the amount your insurance company settles for, it’s in their best interest to get as much money as they can. They’re on your side, but they’re kind of on their own side, too.

Looking for a Public Adjuster, Insurance Agent, Contractor, Roofer or Other Home Pro?

In the moments after a massive hit to your property, you won’t be able to see beyond what’s in front of you, but when your head clears, you’ll need to figure out who you need to help you build your insurance claim. Luckily, your HomeKeepr family can set you up with all the home pros you need. Adjusters, contractors and so many more have already been recommended for you, just pop in and say hello to the people your Realtor trusts most.

Contact the experts on The Mary Gilbert Group for all your Real Estate needs! 541.371.5500 or [email protected] 

By: Homekeepr

How Smart are Your Sprinklers?

by Mary Gilbert

You’re all alone at home when you hear it. Sh-sh-sh-sh-sh-sh-shhhhhhhh… and it seems to be coming from outside. You look around, very puzzled and a little afraid, then it comes again sh-sh-sh-sh-sh-sh-shhhhhhhh.

Oh! It dawns on you suddenly. “Alexa, turn the sprinklers off.”

Smart devices are popping up everywhere, even on your front lawn. And while many seem kind of silly, like voice controlled outlets, others, like smart sprinklers are very likely the smart device you never realized you needed.

The Basics of Smart Sprinklers

Sprinklers have been becoming increasingly smarter over the years, but those standard sprinkler systems still can’t hold a candle to a smart sprinkler. These babies are so efficient that in research studies, they’ve been able to save up to 70 percent of the water a traditional sprinkler will use. That’s not just good for the environment, your driveway and your neighbor’s cat, it’s great for your pocketbook.

Smart and Not As Smart Sprinklers

There are two different types of smart sprinklers on the market right now. The main difference is in how they determine when they need to be running (if you let them do their thing instead of programming them directly). Those are:

Sensor-based. This type of sprinkler relies on one of several types of soil moisture sensors to figure out just how wet the soil is. When it’s wet enough, the sprinkler stops. They can either check the sensor on a schedule, watering or not watering depending on the moisture, or they run automatically when the moisture in the soil is out of a programmed range.

The down side to sensor-based sprinklers is that they can literally only measure the moisture around the sensor. If your lot is uneven or unusual, these may not really do much for you and could end up wasting a lot of water.

Weather-based. Also known as a signal-based or evapotranspiration controller, these controllers are actively scanning for weather reports so they can adjust the amount of water they let loose on your lawn. Some systems also consider historical data for your region, others collect on-site weather information to make the most accurate calculations.

Weather-based smart sprinklers are amazing, there are no two ways about it. But they can also get very expensive very quickly. That being said, over the long term, they’ll save you more money because of the increased precision, but if you’re not willing or able to let the computer take control, these are not for you.

For Extra Bang, Add a Flow Meter

Some smart sprinkler systems can be fitted with an optional flow meter, which can prove to be a huge help down the road. You can use a flow meter to measure the amount of water that your sprinklers are putting out, but generally, your smart sprinkler can also do that. What they can’t do is tell you if the pressure is too high or too low, indicating a problem in the system.

For a lot of systems, the optional flow meter is a less than $50 upgrade. When compared to the water bill a broken sprinkler line could cost you, it’s not much in the way of an investment.

Smart Sprinklers May Be Covered By Utility Rebates

Although they can be a pricey initial purchase, the cost of a smart sprinkler system will often be rebated to you by your water utility. Because of the amount of water saved and the run-off that’s eliminated, more and more utilities and municipalities are issuing rebates for these smart devices.

Check with your utility company and the EPA’s WaterSense site to determine which devices are covered in your area.

When You’re a Little More Indoorsy..

Just log into your HomeKeepr community to find a landscape expert who can help you choose the right smart sprinkler system for your home. You can trust they’re going to do the job right, after all, they’ve been recommended by your Realtor.

Waste less water. Grow more grass. Do it all from a smart device app in your phone!

Contact the experts on The Mary Gilbert Group for all your Real Estate needs! 541.371.5500 or [email protected] 

By: Homekeepr

Roseburg OR Real Estate For Sale
784 Pebble Creek Road, Sutherlin, OR  97479

Here is your chance to move into a brand new home in desirable Fairway Ridge! Sutherlins newest development on the west side is conveniently located in an area of growing wineries and breweries, plus close to Oak Hills Golf Course, I-5 and the highway to the Oregon Coast! The finest in one level living highlighted by 3 bedrooms, 2 full baths, easy care flooring, soaring high ceilings, a gourmet kitchen and an attached 2 car garage. The open floor pan is perfect for entertaining and family function starting in the vaulted great room. The kitchen features beautiful quartz countertops, an island and eating bar and gas appliances. Enjoy easy indoor/outdoor entertaining options with a sliding door off the dining area to the patio. Retreat to your soothing master suite with vaulted ceilings, plush carpeting, a walk in closet and private bathroom. Ample space in the two secondary bedrooms and full bath for guests or a growing family. Be the first to enjoy all the wonderful features and amenities at 784 Pebble Creek Road!

Mary Gilbert, Licensed Realtor in Oregon has distinguished herself as a leader in the Roseburg OR real estate market. Mary assists buyers looking for Roseburg OR real estate for sale and aggressively markets Roseburg OR homes for sale. 

Mary, Licensed Realtor in Oregon brings with her a keen eye for the details of buying or selling a Roseburg OR home and seemingly boundless determination and energy, which is why her clients benefit from her unique brand of real estate service. Rooted in Tradition, Focused on the Future –Mary Gilbert of Keller Williams Realty Umpqua Valley will help make the most of your Roseburg OR real estate experience. Give her a call today, 541-371-5500, and discover the difference she can make during your family's move.

885 Sand Pines Avenue: Brand New Home in Desirable Fairway Ridge!

by Mary Gilbert

Roseburg OR Real Estate For Sale
885 Sand Pines Avenue, Sutherlin, OR  97479

Brand new home in Fairway Ridge, Sutherlin's newest development on the west side! This single story ranch with an open floor plan provides the finest quality finishes and amenities! Soaring high vaulted ceilings set the scene for entertaining and comfort in the great room. The connecting kitchen is a chefs delight with a large island and eating bar, quartz counters and an abundance of cabinetry. The dining space is perfect for casual meals or formal entertaining with patio access. The beautiful vaulted ceilings continue into the master suite where plush carpeting, a walk in closet and private bath wait to relax and pamper you. Two generously sized secondary bedrooms and a full bath are perfect for guests and a growing family. The attached 2 car garage is perfect for all your vehicle, equipment and tool storage. Located in an area of growing wineries and breweries, plus convenient to Oak Hills Golf Course, I-5 and the highway to the Oregon Coast! Come be the first to live in beautiful 885 Sand Pines Avenue!

Mary Gilbert, Licensed Realtor in Oregon has distinguished herself as a leader in the Roseburg OR real estate market. Mary assists buyers looking for Roseburg OR real estate for sale and aggressively markets Roseburg OR homes for sale. 

Mary, Licensed Realtor in Oregon brings with her a keen eye for the details of buying or selling a Roseburg OR home and seemingly boundless determination and energy, which is why her clients benefit from her unique brand of real estate service. Rooted in Tradition, Focused on the Future –Mary Gilbert of Keller Williams Realty Umpqua Valley will help make the most of your Roseburg OR real estate experience. Give her a call today, 541-371-5500, and discover the difference she can make during your family's move.

Adding Value or Not?

by Mary Gilbert

Almost every homeowner has some upgrades or small projects on their to-do list, from installing new gutters to new landscaping.  What they aren’t always thinking is if the next small project will add value to their home.  Not every home improvement increases the value of a property, whether they’re a necessity or not.  

 

  • Roofing While a new roof looks great, it is considered a maintenance issue, so unless your roof needs replacing, or you have damaged shingles, this job rarely adds value.  On the other hand, depending on where you live, a metal roof can add some value to your home, lower your homeowner’s insurance premiums, and may save on the electric bill. 

  • Landscaping Keeping your yard trim and weed-free doesn’t decrease or increase your home’s value, and some landscaping certainly helps if you’re trying to sell. Adding a small fish pond with waterfall, however, isn’t necessarily going to add to add value.   

  • Electric/Plumbing In older homes, an upgrade here is something that’s necessary, and even if you used top-of-the-line products and the most expensive plumbers and electricians in the area, it won’t add value. 

  • Swimming Pool Putting in a pool is simply a personal choice--you have it done because you want to enjoy some refreshment and relaxation on a hot day.  Rarely does an added pool or spa put money in your pocket if you sell. 

  • High-End Upgrades In order for upgrades to add resale value, they must be consistent.  Don’t add imported tile to one bathroom, and then leave vinyl and Formica in the half bath.  

  • HVAC A new A/C unit or heating system is another maintenance item, and though someone looking for a home may find some relief in knowing that there’s a brand-new unit attached to the home, they’re not going to pay more for it because it’s new. 

  • Carpet If you’re thinking about installing new carpet to prep your house for the market, talk to your RealtorⓇ.  Going to the expense of new carpeting may be less desirable to house-hunters in your area.  If you want to make that money back, then consider another type of flooring for your house. 

 

These items don’t necessarily mean that you shouldn’t have them done, but it does mean that you likely won’t get the extra money they cost back in case you sell your home.  What it will help is the home sale itself--someone on the search for a new house will be more likely to purchase a home that has a new roof or new flooring.  Nolo.com has some excellent information on what will add value to your home, as well as some other home improvement tips.  When in doubt, do some research, and give your RealtorⓇ a call, as they know exactly what you need to do to get the most out of your house.

Contact the experts on The Mary Gilbert Group for all your Real Estate needs! 541.371.5500 or [email protected] 

How Much Is Your Home Worth?         Find Your Dream Home Today! 

Photo credit: Urbanfloor.com

0 Fort McKay Road: 8+ Acres for Residential Development!

by Mary Gilbert

Roseburg OR Real Estate For Sale
0 Fort McKay Road, Sutherlin, OR  97479

Prime development ground in process of being annexed into the city limits of Sutherlin OR. Zoning will allow 6500 sq ft lot size to possibly 12,000 sq ft on part of the land. Super 8.13 acre parcel for residential development on the west side of Sutherlin. Located in an area of newer homes with mountain and valley views! Start living the good life at 0 Fort McKay Road!

Mary Gilbert, Licensed Realtor in Oregon has distinguished herself as a leader in the Roseburg OR real estate market. Mary assists buyers looking for Roseburg OR real estate for sale and aggressively markets Roseburg OR homes for sale. 

Mary, Licensed Realtor in Oregon brings with her a keen eye for the details of buying or selling a Roseburg OR home and seemingly boundless determination and energy, which is why her clients benefit from her unique brand of real estate service. Rooted in Tradition, Focused on the Future –Mary Gilbert of
Keller Williams Realty Umpqua Valley will help make the most of your Roseburg OR real estate experience. Give her a call today, 541-371-5500, and discover the difference she can make during your family's move.

0 Sunshine Road: 650+ Acre Ranch with Fantastic Views!

by Mary Gilbert

Roseburg OR Real Estate For Sale
0 Sunshine Road, Roseburg, OR  97470

Sprawling 650+ acre ranch just minutes from Roseburg. Multiple tax lots. 3 homes currently rented. Wooded hillside with shale rock pit and potential for future income from rock. Year round pond. Fantastic views and lots of wildlife! Endless possibilities await one lucky buyer – come take a look today!

Mary Gilbert, Licensed Realtor in Oregon has distinguished herself as a leader in the Roseburg OR real estate market. Mary assists buyers looking for Roseburg OR real estate for sale and aggressively markets Roseburg OR homes for sale. 

Mary, Licensed Realtor in Oregon brings with her a keen eye for the details of buying or selling a Roseburg OR home and seemingly boundless determination and energy, which is why her clients benefit from her unique brand of real estate service. Rooted in Tradition, Focused on the Future –Mary Gilbert of Keller Williams Realty Umpqua Valley will help make the most of your Roseburg OR real estate experience. Give her a call today, 541-371-5500, and discover the difference she can make during your family's move.

Exploring Roseburg Oregon: Grape Stomp & Harvest Festival

by Mary Gilbert

Saturday, September 22, 2018 - 4:00 PM to 8:00 PM

Join us for loads of fun entertainment!  Listen to music from Red Thunder, chat with a palm-reader, and watch the grape stomp competition!  Enjoy scrumptious food such as roasted pork loin, scalloped potatoes and pumpkin bars!

Event Website

Purchase Tickets

Melrose Vineyards
885 Melqua Rd.
Roseburg, OR

For more information call: (541) 672-6080

Courtesy of The Mary Gilbert Group

Photo Credit: visitroseburg.com

3 Reasons You Need to Get a Permit

by Mary Gilbert

It all started with a shelf.

You just bought your home and, though it needed a little surface work, you were pretty proud of it. It was yours, to do with as you wanted. So the first thing you did was run out and bought some lumber to construct a custom, built-in shelf system in your living room.

Oh, man, that was a breeze, you thought to yourself as you sat watching television and admiring the shelving. That was when you realized how much your house would benefit from knocking the wall out between the kitchen and the living room. After all, if Vanilla Ice can do it, surely you can.

If you had to look back and pick the moment when everything went south for you, that would be it. Thanks, Vanilla Ice. Thank you.

Instead of getting a permit for this major structural modification to your home, you just started smashing. After all, they don’t get permits for this stuff on television, so why bother with it?

Now you know why. Oh, now you know.

Many DIY Jobs Require a Permit

Whether you’re a trained carpenter or a DIYer that binges HGTV, there are certain kinds of home remodeling that will always require a permit. This ensures that someone is looking over your shoulder to make sure that you’re doing the work correctly.

Advanced jobs in plumbing, electrical, HVAC and other specialty fields always require a permit to ensure that the home is and will remain safe for the occupants. Other jobs, like those that involve making structural changes, may or may not need a permit. That’s usually at the discretion of the permitting body.

You’ll want to speak to your municipal planning and zoning department to determine whether or not your job needs to be permitted. Typically, getting a permit requires that you describe the work you plan to do and pay a small fee that covers, in part, the cost of having expert inspectors ensure that your worksite is safe and your repairs are done correctly.

This is Why You Need a Permit

It can be a pain to go down to P&Z (or planning and development in some areas), but it’s really worth the effort in the long run. Despite the amount of documentation these can require, depending on the complexity of your project, you’ll find that going through the process properly will force you to really think about each step in your process.

Of course, that’s just one reason to get a permit, there are plenty more, like:

1. Avoiding serious legal ramifications. In any municipality that requires permits, there’s some kind of severe punishment for not getting one.

For example, in Dallas, Texas, the ordinance reads like this: “Punishment. Any person who knowingly violates a provision of this chapter or the codes is guilty of a separate offense for each day or portion of a day during which the violation is committed, continued, or permitted, and each offense is punishable by a fine not to exceed $2,000. (Ord. 26029; 26286).”

Or, if you’re in St. Paul, Minnesota, you can be charged with a misdemeanor — along with a stiff fine — for any work exceeding $500 that hasn’t been permitted first. Do you really want a criminal record because you wanted to install a bay window where two tiny windows used to be?

2. Being confident the work you’ve done is done right. Unless you have an expertise in construction, you probably have a lot of gaps in your knowledge base, including how to tell if a wall is a load-bearing (aka. structural) wall. This sort of mistake is more common than you might imagine and can be devastating to a home.

For example, when you pulled that wall down in the opening scenario, you didn’t know it was a structural wall. Now, months later, you’ve been noticing an increasingly deep sag where the wall used to be and the floor tiles are cracking here and there. The reason? Your house is under a lot more stress now because you took out a wall it needed and didn’t replace it with something to help carry the weight.

Had you sought a building permit, a housing inspector would have come by to check your work and advised you to put a 10-inch header up to make the project work without compromising the house’s structure. Inspectors aren’t always there to bust your chops, they can actually help.

In addition, when you go to sell your home, you will now have to disclose that you did this work without a permit and that it has caused some pretty serious problems. It’s a complete no-win and it’s going to be costly to have an expert come in and fix what your demo saw or sledge destroyed for peanuts..

3. Ensuring that all work is safe and up to code. If home pros shared some of the most terrifying things they’ve ever seen in homes, you would understand in an instant why permits keep you and your neighbors safe. These are the times when you can’t do much besides shake your head and laugh, because human ingenuity plus human sloth makes some really crazy work arounds.

Had these creative types of work been inspected, of course they wouldn’t have passed. Today’s building inspector and the permit office attached can prevent tomorrow’s house fire, ceiling collapse, or rapid structural degradation.

Not Sure If You Need a Permit…?

If you don’t know if you need a permit, call the authorities that issue building permits for your area. This is typically Planning and Zoning or Planning and Development within your city or county’s offices. They can explain what’s permitted and what isn’t, or at very least, send you some literature.

When the permit process seems impossible, the actual work you have planned may be more than you really are ready to handle. This is a great time to reach out to your HomeKeepr community for help. Recommended pros like general contractors, electricians and HVAC experts are ready to take up the torch, including getting that permit you need.

You don’t need more stress in your life. Relax while trusted pros make your house into a home.

Contact the experts on The Mary Gilbert Group for all your Real Estate needs! 541.371.5500 or [email protected] 

By: Homekeepr

Displaying blog entries 1-10 of 27

Share This Page

Contact Information

Photo of Mary Gilbert Real Estate
Mary Gilbert
Keller Williams Realty Umpqua Valley
2365 NW Kline Street, Suite 201
Roseburg OR 97471
541-371-5500
Fax: 541-371-5501

© Keller Williams Realty, Inc. is a real estate franchise company. Each Keller Williams office is independently owned and operated. Keller Williams Realty, Inc. is an Equal Opportunity Employer and supports the Fair Housing Act.