Protect Yourself and Your Home from Contractor Rip-offs, Scams and Shoddy Work!

As winter comes to a welcome end and we enter the spring season, homeowners inevitably will be besieged by offers, promotions and come-ons from all kinds of home improvement contractors and installers – plumbing, air conditioning, doors, windows, remodelers, landscapers -- you name it. Most will be legit...but some won't be.

Unfortunately, fraudulent contractors are extremely common in the home improvement industry…and they really seem to come out of the woodwork around this time of year. Because this area is so specialized and intimidating to many homeowners, it is easy to get taken advantage of by a disreputable “professional.”

Whether you are looking for a home improvement contractor to perform routine repairs, install equipment or perform major reconstruction and remodeling, here are a few simple tips to ensure that your home improvement contractor or installer is on the up and up.


Get It In Writing
Make sure to thoroughly read and understand the written contract for your home improvement project before you sign. Discuss your questions and get clarification. If you are not given an estimate and a contract in writing, or if your contractor is unwilling to explain things to you clearly, hire someone else. If you don’t understand a contract, don’t sign it; you could obligate yourself to repairs that you are not prepared to pay for. And don’t give any oral commitments to any work; as Yogi Berra once said, “An oral contract ain’t worth the paper it’s written on!”


Cheaper is Not Always Better
When it comes to home improvements, you almost always get what you pay for. Be wary of contractors that promise things that sound too good to be true. If your instincts tell you something strange is is up, you are probably right. Cheap contractors usually use cheap materials, sell cheap equipment and employ cheap, inexperienced, low-quality labor. And that can cost you a lot more in the long run -- both in operation costs and in future repairs.

Fraudulent contractors often try to scare homeowners with news of urgent or emergency repairs…or fantastic deals that you must act upon immediately. Do not let anyone pressure you into costly repairs on the spot; seek a second or third opinion to be sure. Always shop around and get multiple estimates. Focus on getting the best value; not the best price.


Check Credentials
Is your contractor properly licensed? Can he get all the permits to legally perform your home improvement or repair? Does he have a favorable rating from the Better Business Bureau? Does he belong to professional and industry trade organizations? Does he follow the industry’s best practices? Reputable contractors can answer yes to all these questions.


Get a Referral
Word of mouth is crucial in hiring a good contractor, but you have to be sure your referral is coming from a reputable source. Never base your decision on the word of a solicitor or stranger. Instead, ask friends, family members and neighbors, or consult a referral service that provides the names and contact information for qualified, pre-screened professionals in your area. Do not just go for the cheapest price estimate—take the time to get a solid referral; you could save thousands, especially if that amazing deal offered by the door-to-door salesman turns out to be a fraud. The best home improvement contractors have been in the business for some years and have a track record of customer satisfaction.


Read Home Improvement Contractor Reviews
There are plenty of websites that offer unbiased customer reviews of local businesses and contractors – among them Yelp, Insider Pages, Angie’s List, Local.com – as well as business directory sites (Yellowpages.com etc.) and search engines like Google, Yahoo and Bing. Take the time to go to these sites and check out reviews. Click Here to View a List of Customer Review Sites!


Beware of “Travelers”
“Travelers” are door-to-door solicitors that come knocking in hopes of gaining your trust and your business; this is one of the most common contractor frauds. These scam artists will talk fast, promising steep discounts on everything from roofing to bathroom remodeling. They will often cite their exclusive access to overstock building supplies as the reason for their great deals. The best way to protect yourself is to politely decline the sales pitch from the start, but you can also check the yellow pages for the name and number of the contractor at your door. If you cannot find a listing, tell him to hit the bricks.


Never Pay Up Front
No reputable contractor or installer will ever ask for payment until after the work is completed to your satisfaction, and will never require cash payment. If your contractor asks for payment up front or insists on doing a cash-only business, find a new contractor.


Do Not Get Your Own Building Permits
Another common tactic employed by fraudulent contractors is to request that you secure any necessary building permits yourself. A good contractor will do this for you — that is why you are paying him to do the work.


If You Are a Victim of a Fraudulent Contractor...
If you think you have been a victim of a fraudulent contractor, take immediate action to fix the situation. Consult a lawyer to find out if you have any legal recourse and report the incident to your local Chamber of Commerce and the Better Business Bureau. You may also need to involve local law enforcement if you believe a crime such as larceny or identity theft has been committed.


Check Out Our Contractor Checklist!
Horizon Services offers a 21-Point Contractor Checklist covering all the primary questions you need to ask BEFORE you select any home improvement contractor. It’s MUST-READING for all homeowners thinking of making any home improvement. Click Here!



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Before You Decide to Do It Yourself, Read This!

With one of the highest rates of return on investment of any home improvement, bathroom remodeling not only adds value to your home, but also is a major selling point for potential buyers. However, when you consider everything that goes into a quality bathroom renovation, the costs can add up quickly. From fixtures to plumbing to floors to paint, you may find yourself in over your head before you even begin. Add expensive labor costs and contractor fees and you may start to think that doing the work yourself is not a bad idea. But before you undertake a major bathroom renovation project on your own, think about it carefully.

Sure, you can manage to finish all the work yourself but can you manage to make it look great? We all want to save money, but none of us wants oddly cut tiles, crooked wallpaper, peeling paint,leaky pipes an uneven toilet, or any one of the number of other little mistakes that can creep their way into an amateur remodeling project. Make sure you’re ready for—and can live with—a finished job that looks like you did it yourself.

Have you ever planned and executed such a project before? Not everyone has the eye, the vision, the understanding, the attention to detail, or the focus to properly design a bathroom themselves. And have you ever actually performed any of the remodeling tasks that your plan calls for or used any of the tools required to do the job? If you are inexperienced or just all thumbs, you may be biting off a lot more than you can chew.

Are you basing your bathroom remodel on something you got from a home improvement book or magazine? Sure, on paper it may seem like a simple, step-by-step process. But remodeling a bathroom is not like baking cookies. All homes and bathrooms are not alike, and a cookie-cutter, one-size-fits-all design project may simply not work for your bathroom situation.

Does your municipality require permits for such work? If so, do you know how to acquire them? Plumbing and remodeling contractors can get these permits easily; do-it-yourselfers may not know the proper channels.

If you’ve ever attempted a do-it-yourself home improvement you know how hard it can be to overlook even the smallest mistake once the project is complete. Your eyes go over and over that one spot that looks less than perfect or that dark corner that just doesn’t seem right. If you’re the kind of person who is uncomfortable with imperfection or can’t deal with your own failures then it may be better to leave the job to a professional.

One of the best things about hiring a pro is that they know people. And not just any people. They know people who can get great deals on everything from light fixtures to faucets to custom tiles. You probably do not know these people. A professional can help you get the best price on the best materials; you could actually end up paying more by doing things on your own.

Home improvements take time. In some cases, they can take lots of time—time away from your spouse, your kids, your normal life. Before you undertake a major renovation like a bathroom remodel, make sure you consider the toll it may take on your personal life and your relationships. Annoying delays and setbacks can pile up, making what once seemed like a simple project drag on for weeks or months. Unless you’re truly prepared for the unknown, you may want to leave things to the pros.

Bathroom upgrades are not a simple home improvement project. You may be reluctant to spend money on hiring a professional, but this is really the only way to avoid costly mistakes. It is possible, though, to save money even if you go with a pro. Here are some ways how:

• Buy your own fixtures instead of paying the contractor’s mark-up.
• Remove tile and flooring yourself if your plan is to replace it anyway.
• Take on painting and tiling on your own. Even if you’re a total novice, you can do a good job with a little practice.

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Radiant heating is an emerging trend in new home construction and existing home remodeling. Radiant heating systems involve supplying heat directly to the floor or to panels in the wall or ceiling of a house. Radiant systems depend largely on radiant heat transfer: the delivery of heat directly from the hot surface to the people and objects in the room via the radiation of heat (similar to the effect you feel when you can feel the warmth of a hot stove top from across the room).

Here's how radiant heating stacks up against other common heating systems:


The Advantages of Radiant Heating

Radiant heating has a number of advantages over other home heating technologies. It is generally more efficient than baseboard heating and usually more efficient than forced-air heating because no energy is lost through your home's ducts.

Keep Warm, Keep Safe, Keep Zap-Free!

For some homeowners, an electric furnace is a practical, affordable home heating solution. But electric furnaces do pose a number of safety hazards, including the risk of electrocution and fire. If you are thinking of installing an electric furnace this winter or already have an electric furnace in your home, please be sure to keep these important tips in mind for optimal performance and safety:


Purchase a Certified, Name Brand Electric Furnace.
An electric furnace is a significant investment and will be essential in keeping your home warm and comfortable during cold weather. Never buy a furnace from a company you’re not familiar with; look for name brand units with a trusted reputation. Ask your friends and neighbors for references, and compare companies that have been in business for several years. Only buy a furnace that has been thoroughly tested and certified by an independent, recognized professional.

Make Sure Your Electric Furnace is Installed Correctly.
Proper installation is crucial to the efficient, safe operation of your electric furnace. Short circuits or loose connections can cause dangerous power surges or electrical fires. To ensure your electric furnace installation is conducted properly, hire only a licensed professional contractor or electrician with a solid reputation.

Clean and Change the Furnace Filter Often.
The filter keeps dirt and airborne pollutants out of your home. An electric furnace filter should be cleaned or replaced every three to four months. This will maintain good air quality inside your home, will keep your electric furnace operating efficiently, and will prevent overheating.

Schedule Yearly Professional Maintenance.
Even an electric furnace that’s running well should be checked by a professional at least once a year. Regular maintenance and tune-ups will keep your electric furnace in top condition, alert you to any potential problems, and address minor issues before they turn into major damage. Make sure the technician you hire is qualified.

Keep Your Electric Furnace Clean.
The area around your electric furnace should be clean and free of clutter. If possible, leave about a five foot clearance around your electric furnace on all sides.

Keep Combustible Materials Away from Your Electric Furnace.
Storing flammable materials like paper or volatile chemicals near your electric furnace is extremely dangerous. Having these items near your furnace dramatically increases the chance of fire or explosion. To prevent accidents, store things like paint, newspaper, wood, gasoline, chemical cleaners, and cloth as far from your electric furnace as possible.

Leave Electric Furnace Repairs to The Professionals.
Electric furnaces are complex devices. If your electric furnace seems to be malfunctioning or is not working properly, never attempt repairs or parts replacement on your own. Contact a certified professional to avoid the risk of personal injury or property damage.

Wear Proper Safety Gear.
When you clean your filter or electric furnace, always wear protective gear like safety goggles and thick gloves. This will protect your eyes and skin from sparks, heat, debris, and other potentially harmful materials.

Disconnect the Power Supply.
Before you go near your electric furnace for any reason, always be sure to disconnect the unit’s power supply. This will prevent the risk of electric shock, which can be extremely painful and potentially deadly.

Use Caution When Installing Other Whole-Home Systems.
Central air conditioners, home humidifiers, and air purification systems can all be connected to most electric furnaces. Still, these additional units should always be installed by a professional, who will ensure that the devices are compatible and safe to operate together.



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Two of the most common mistakes people make when purchasing central air conditioning are 1). Getting a system that is too large for the size and style of their house, or 2). Getting a system that is too small. This usually happens when an air conditioning contractor recommends an oversized unit, telling you that “bigger is better.” Or when a contractor tries to sell you a smaller unit so that they can underbid other contractors and make sure they get the job by offering you a bargain.

Here's the truth: When it comes to central air conditioning systems, bigger isn't better; it’s just more expensive. And smaller may save you some money upfront, but you almost always get what you pay for.

Consider some of the problems you can get into from buying an oversized or undersized air conditioner...


Air Conditioner Too Big:

An oversized central air condtioning system will turn on and off much too frequently, which will wear down your equipment and waste electricity. Plus, the larger system will cost you more upfront and more to operate.

This frequent cycling on and off will also make your indoor temperatures fluctuate up and down more, resulting in a less comfortable environment. The oversize unit will lower temperature too quickly and then turn off before removing the appropriate amount of humidity. This is another reason why homes with oversize units feel cold and damp -- the humidity is never removed!

The EPA (Environmental Protection Agency) estimates that nearly half of all existing air conditioning equipment is over-sized They estimate that this costs homeowners 20% each year in wasted energy!


Air Conditioner Too Small:

An undersized central air conditioning system will cause your air conditioner to overwork and may fail to keep your home adequately cool. A small air conditioning unit will lower humidity, but will not lower the temperature enough, so the air will feel dry but warm. Pluse the air conditoning system will run constantly; over-running your central air conditioning equipment will lead to premature breakdowns and a short lifespan.

And even if you get the right size air conditioning equipment, you also have to beware of “buying too small” when it comes to your air duct or airflow system. According to the National Comfort Institute states, it’s not unusual to see return air systems undersized by 30-50%. In fact, many common central air conditioning equipment problems including compressor burnout, frozen indoor air conditioning coils -- are often a result of improperly placed and installed air distribution systems.


Be Like Goldilocks!

The central air conditioning system that is ideal for your home comfort and budget is neither “too big” nor “too small,” but is “just right”. When shopping for a new central air conditioning system, be sure that your air conditioning contractor performs a thorough analysis and measurement of your home from top to bottom -- including your air ducts and air flow system.

Also, as part of this analysis, make sure that your central air conditioning contractor performs a load calculation. This is a mathematical computation that allows a contrcator to precisely estimate the performance needed to adequately cool your home and the capacity that will be required for your new air conditioning equipment to deliver that performance. A load calculation is good way for you to make sure that the central air conditioning equipment you’re buying is not over-sized or under-sized. Be sure to ask for a copy of the load calculation to be submitted with the proposal; this will assure you that the contractor takes capacity design seriously and that he’s not just going through the motions.


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Time for a new central air conditioning system? The average air conditioner lasts about 15 years, so if you live in your home for more than 10 years or so, there’s a good chance you’ll eventually have to replace your system. If you have central air conditioning that was installed back in the 1990s (or earlier), keep in mind that today's air conditioning systems provide significantly greater cooling power and energy efficency.

Installing a central air conditioning system is one of the most significant steps you can take in improving the overall comfort of your home. Central air conditioning will also add value to your home, as it’s a very attractive selling point for potential buyers.

That being said, a new central air conditioning system is a major household investment and not a purchase one should make without doing some serious homework. If you’re due for an air conditioning system upgrade, there are several important considerations that can help ensure you get the best possible performance, energy efficiency and value.

Before you commit to a new central air conditioning installation, think about the following:.

• Try Maintenance First. Have you been replacing the air conditioner filters according to schedule? Have you been scheduling a regular air conditioning tune-ups and cleanings? The problem may not be your air conditioner, but you! If your current air conditioning system seems to be operating at less than full capacity, have a professional air conditioning service technician come to your home to inspect it before you blow your savings on a brand new air conditioning system. Sudden changes in the function of an air conditioner that’s been performing just fine up to a point could mean that simple maintenance is in order, rather than a complete system overhaul. A certified professional can clean your system, run diagnostic testing, and make repairs or adjustments as needed. An experienced pro will also be able to tell you if it’s time to replace your central air conditioning system.


• Totally New vs. Upgrading Your Existing Air Conditioning. You may not need an entirely new central air conditioning system at all...just some modifications to your existing system to enhance its performance. Upgrading an aging central air conditioning system requires a much different set of considerations than installing a new one. You’ll want to make sure you match brands and models, and choose new components that are compatible with older ones. If you’ll be replacing an old air conditoning system completely, you may incur extra costs for removal and disposal of outdated parts.


• Air Conditioning Installation Circumstances. Be sure to communicate with your installation professional so he or she knows how best to approach your job. If your new air conditioning installation is part of a larger home renovation project, you may be able to save significantly by arranging for installation at a specific point in the job. Also, when your air conditioning professional is in the loop, he or she will be much better equipped to determine the best kind of system for your home and a much more accurate estimate.


• Air Conditioning Power Requirements. Central air conditioners measure cooling capacity in British thermal units (Btu) per hour. Generally, you need about 12,000 Btu per 1000 square feet of well insulated space or 400 square feet of inadequately insulated space. Your home’s structure, windows, sun exposure, and climate will all impact your cooling needs. The best way to get an idea of what you need for your home is to talk to an HVAC professional. While an air conditioning technician may suggest products or installation features that might cost you more up front, they will likely save you much more in the long run.


• Replacing an Aging Air Conditioning System. Like many other household appliances, central air conditioners have become significantly more energy efficient in the last ten years or so. If you’ve noticed a dramatic decrease in your system’s ability to cool your home—temperatures are inconsistent, the system seems to be coming on more frequently or running longer, or your monthly utility bills are steadily increasing—it may be time to replace your air conditioner. If your new air conditioner will be tied into an existing system in your home, talk to an air conditioning contractor about compatibility and installation options.


• Air Conditioning System Accessibility. Installing a central air conditioning system means your installation technician will need access to your home’s air ducts. The easier the access, the less you’ll be charged in hourly labor costs. If your home is older or has limited duct space, you might want to think about purchasing a mini-duct or ductless air conditioner. These alternative systems are a much better and more cost effective choice for homes where installing traditional ductwork would be prohibitive.


• Look for Energy Star Appliances. Choosing environmentally responsible products can be a challenge; for appliances and home electronics, the Energy Star program makes it easy. Simply look for the blue Energy Star label and know that you are getting the most eco-friendly, energy efficient air conditioner for your money. Air conditioning systems can have a huge impact on your summer utility bills, so it makes sense to look for an appliance that’s going to reduce your home’s overall energy consumption and save you money. Shop for air conditioners with a high SEER rating (most units range from 10 to 17). If you’re installing a central air conditioner, make sure your contractor knows your preferences and ask for a unit with the highest SEER rating possible.


• The Noise Factor. This is your chance to get rid of that noisy old air conditioning unit that rattles and hums every time it powers on. Inexpensive air conditioners—either window-mounted or central—can cause a lot of noise pollution, especially if you have to install them in a bedroom, living room, or near a deck or patio. Consider placement carefully, and avoid areas close to living areas, bedrooms, and close to the neighbors. To guarantee quiet operation, go with a higher-end, more expensive model.


• Sun Exposure. No matter how energy efficient your air conditioner, it will struggle to perform properly if it’s placed in direct sunlight. Try to install a new unit in an area of your home with plenty of shade, or plant shrubs or small shade trees close by.


• Consult an Air Conditioning Pro. A professional HVAC technician will be able to answer any questions you have about installing a new central air conditioning system in your home...from proper placement to energy efficiency ratings to correct sizing for your square footage. If you are unsure about any aspect of air conditioning system purchasing or installation, call your local air conditioning contractor for advice.

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Replacing your old heating and cooling system with a new, energy-efficient heating and cooling system is a challenging decision for most homeowners. Heating and cooling can account for nearly half of the energy used in your home. You want to maximize your comfort, but you don't want to pay through the nose. The right system may cost more upfront, but save money and reduce utility bills over time. The wrong system may need constant repair, under perform or die before its time. So much to consider!

When it's time to install a new heating, ventilation, and air conditioning (HVAC) system, make an educated decision with the help of these simple suggestions:


Find the Right HVAC Contractor
Getting the right contractor is key to getting a quality installation. Make sure the contractor you choose has at least several years of experience and can provide references. Make sure that the contractor is licensed and insured. Be sure to ask for a written contract of all work in advance. And always choose a contractor’s whose service and installation technicians are certified by North American Technician Excellence (NATE). NATE is an industry-supported certification for heating and air conditioning technicians. NATE-certified HVAC technicians have met the nation's highest standards for HVAC training and knowledge.

Here are some additional things your heating and air conditioning contractor should do BEFORE you sign a contract:

• Measure existing ductwork to be sure it can handle the increased air flow of a new system
• Do a complete Load Calculation that will take into consideration window and vent locations as well as existing hot or cold areas of your home.
• Discuss with you any indoor air quality issues such as allergies, humidity levels in your home and any additional features you would like in your new home comfort system.
• Present you with several system options, not just one.
• Give you a written guarantee that your new heating and air conditioning system will perform as promised.

Bottom line: all heating and air conditioning contractors are not alike. In the end, it’s the contractor who will make the biggest difference in how the installation or replacement goes.


Properly Size Your Heating and Air Conditioning System
When installing or replacing heating and air conditioning cooling equipment, bigger isn’t always better and one-size does not fit all. Oversized HVAC equipment will cost more up front, consume more energy, provide inadequate cooling and humidification, and ultimately, need to be replaced prematurely. And don’t assume your current heating and air conditioning system is the right size either; today’s HVAC equipment is more efficient than those 10 years or older and your original system may have been sized improperly. Efficiency, not size is what you're after. Ask your HVAC contractor to thoroughly measure your home and calculate the "size" of the system using Manual J, or an equivalent industry-acceptable calculation tool.


Proper Installation is Crucial
One of the biggest factors in getting the best performance out of your new heating or air conditioning system depends on how well it is installed. Shoddy installation accounts for over half of the HVAC service calls and most customer dissatisfaction during the first year of operation. At a minimum, make sure your HVAC installation technician performs the following:

• Installs equipment in easily accessible areas for easy maintenance.
• Tests for adequate airflow and verifies that the cooling system has been charged with the correct amount of refrigerant.
• Conducts a combustion safety test after ducts are sealed to be sure all gas or oil-burning appliances are working properly.
• Replaces indoor and outdoor coils for maximum efficiency.

Sealing and Insulation
Central air conditioners, heat pumps, and furnaces rely on a system of ducts to circulate air throughout your home. Heated and cooled air can easily escape through gaps between duct joints. Ask your contractor to seal and insulate ducts throughout your home; this can improve your heating and cooling system’s efficiency by up to 20 percent!


Heating and Air Conditioning System Maintenance
Your contractor should be available to do annual check-ups and tune-ups of your heating and cooling system to help prevent future problems and keep your system in fine working order. If your contractor offers a Service Partner Plan or other kind of maintenance contract, sign up for it! It will keep you on a schedule of regular and proper maintenance, save you money over time and give you peace of mind.

Also be sure to keep your system clean and free from dust, dirt and debris. Accumulated dust and other impediments can block the flow of air and that can drastically reduce the efficiency of your heating and cooling system. Be sure to check your air conditioner or furnace filter every month, especially during heavy use months (winter and summer). If the filter looks dirty after a month, change it or clean it. Never go longer than 3 months without replacing or cleaning a filter.

Look for the ENERGY STAR Label
When deciding on a heating or air conditioning system, insist on it being an Energy Star qualified system. The Energy Star designation is your best assurance that you are are buying an energy-efficient system. Be sure to ask your HVAC contractor to estimate your utility costs of purchasing an Energy Star qualified system. Although Energy Star heating and air condition equipment may cost more initially, they will cost much less to operate over time. In fact, most Energy Star qualified heating and air conditioning products can yield annual returns of 15–30 percent in lower energy bills. That translates into hundreds of dollars in annual savings.

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Thinking about installing a boiler for home heating and hot water? In this video, John Costa, Training Manager at Horizon Services, Inc. explains what you should be looking for in a boiler and what makes OUR boilers different from others on the market. John covers a variety of boiler topics and components including: boiler efficiency, firing rate, outdoor temperature sensors, variable speed blowers, domestic hot water, expansion tanks, pumps vs. zone valves, air elimination, flow check valves, purge valves, safety devices, set up and installation procedures.

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