With the quiet months of fall, I’m more likely to overhear conversations between neighbors, and people chatting as they walk by the office.
A few recent exchanges that stand out:
“I’ve heard that the wind just blows like crazy all winter.” Â TRUE
“We are here full time…well of course, not in the winter.” Â Â HUH ??
“Our porch furniture and grill should be fine out on the deck.” Â SEE WIND COMMENT
“It’s too early to winterize the outside shower. Â We will be back down next month.” IT GETS COLD IN NOVEMBER
Even with the picture perfect weather, it’s time to plan for the cold months ahead!
My annual post:
A check list for shore owners:
1) Disconnect the garden hose and turn off/drain any faucets that aren’t frost proof (most faucets on decks are NOT frost proof). Turn off and drain the outside shower (often overlooked and those pipes are the first to freeze and break).
2) Close the foundation vents and secure the crawl space door (the newer Smart vents will close automatically).
3) Secure/store trash cans, deck furniture, kayaks, grills, flags, etc.
4) Unless you completely winterize the house (drain the water), turn on the heat to 55- 60 degrees. Â The upper floors can be set slightly lower, but not below 50 degrees. Â A whole house water shut off valve is an extra level of protection against frozen pipes in the event of a power failure.
5) Open the cabinet doors below all sinks to allow heated air to circulate around the pipes.
6) Lock all windows (especially casement style that open with a crank handle) and sliding glass doors. Strong winds can vibrate a door or window open!
7) Unplug small appliances.
8) Check the kitchen sink for any random food items left in the garbage disposal – run with ice cubes or a piece of lemon.
9) Empty and turn off the ice maker if you won’t be using the house for an extended period of time.
10) Open the lid on the washer and prop open the door to the dishwasher to avoid musty odors.
And ideally, hire a winter watch service for peace of mind. Â I am happy to recommend someone if needed.
Flood Insurance and Elevation
This information is relevant with anticipated changes to the federal flood insurance program. Â Homes currently “grandfathered” because they met the elevation code when built in the 80s and 90s, may now be rated differently.
 Post from February 2020:
The regulations regarding elevation play a major role with an owner’s plan to either renovate or build new.
A Flood Elevation Certificate is needed to determine the official elevation of both the land and the first floor living area. Â For example, “curb” elevations on the island range from 5 feet above sea level to just over 12 feet. Â Â The island may seem flat, but the subtle inclines exist!
Obviously a home with a lower curb elevation will need to be higher off the ground to meet code.
Now back to the charming beach cottages. Â A lender will require flood insurance which is calcuated on the elevation. Â If the home meets code, the annual premium will be approximately $900. Â If the structure sits too low, the premium could be as high as $5500.
When a major renovation is planned, the municipality will require the structure to be brought up to code.
At this point, a property owner can compare the cost of lifting/renovating their home, or building new.
If the lot is undersized and/or the structure is larger than would be permitted today, lifting may be the best option to retain livable square footage.
If you have any questions regarding local real estate, I am here to help! Â 609-967-7950