Property insurance is a straight forward concept, however it can vary in how it is applied. This post looks at three types of insurance coverage and how they are different.

There are the three types of insurance coverage. Replacement, actual cash value and Extended replacement cost.

Replacement cost coverage will cover the costs of repairing or replacing a property, regardless of depreciation or appreciation. It also insures that the same quality of repair or replacement is issued. The premiums for this type of cover are based on replacement cost values, not actual cash values.

Actual cash value insurance provides cover for replacement and repair costs, minus any depreciation.

Extended replacement cost insurance will pay over the coverage limit if the costs for construction have increased. This generally will not exceed 25% of the limit. When you obtain an insurance policy, the coverage limit established is the maximum amount the insurance company will pay out in case of loss of property.

The guttering is an essential part of not just the roof, but the whole building. Without adequate guttering, a building is susceptible to damage over time that will slowly accumulate to an eventual structural issue.

With autumn arriving, now is the time to make sure your gutters are up to the task of draining water, and are protected against the leaves that fall.

There are many gutter designs available if you are installing or improving a gutter system. Square, ogee, deep flow or industrial gutters are some of the designs available. In order to know which is best suited for your building, check with the supplier who will recommend a system.

As its autumn, leaf guards are an essential part of a gutter system. Gutters that become clogged with leaves become useless, collect water and often fall off as a result of the overflow. A leaf guard is a filter that fits onto the top of the gutter, preventing leaves from entering it, whilst still allowing water in.

Making sure you build the right roof for a certain building is crucial. Certain roofs are best suited for certain buildings, and some roofs are even required for certain building specifications.

Roofs are mainly classified depending on the type of material they are made from. Metal roofs, clay and concrete, and slate are some common examples.

Each material has different properties. It’s these properties that will determine if it should be used for a certain building. For example clay or concrete roofs are typically suited for warmer climates and require a structurally reinforced building due to their weight. They are effective at keeping buildings cool inside even in hot climates. Because of this, these roofs are ideal for manufacturing complexes and other buildings that require the temperature be a steady average.

Another example is slate. Often limited to civic buildings, churches and luxury houses, due to the fact that slate is an expensive material.

Roofing tools are of significant importance to the worker. The better tools you have access to, the more you can do and get done. But even the best tools can wear down over time, which is why it’s important to test them between jobs regularly.

Like mentioned, good tools can make a job easier. But you may find yourself sticking to certain tools that you know are the best. These tools then become the ones that need to be tested the most.

What To Test For

Depending on the tool, the main things to test for will vary. However there are some common grounds on which you can check most tools on. These include; Rigidity, strength, appearance of any cracks or defects, wear, straightness and alignment, and sharpness.

As you begin to test tools you will learn what to look out for and how different tools wear down after each job. This is why its important to check regularly and between jobs. When you are working on the job you might not notice the slowly wearing tool.

It is not often considered initially, but heating a room which has a flat roof requires a different method of heating than rooms which have space overhead.

Convection currents from the air act differently in rooms which have flat roofs. Compared to rooms which have an attic or other space which makes up the roof above, this can have a considerable difference on how heat moves through the room.

For example, a room with a flat roof, if it is well insulated, will have less room for the air to move the heat around the space, which means the heat will travel less of a distance from the heaters. The room will be very warm around the heaters, but not as much in areas further away.

Because of this flat roofed rooms need to be heated in a certain way, in order to efficiently keep entire the room warm. A different arrangement of heaters will be required compared to standard rooms.