Phone 785-248-3439
Should you invest in a home warranty?

A home warranty does not replace a thorough home inspection. A home inspection can discover significant issues before the home purchase when the liability for the repair can be the responsibility of, or shared with, the seller. 

In comparison, a home warranty can protect the home buyer in the first year after the purchase when household savings may be at their lowest due to the costs of buying a home.

A home warranty can also benefit home sellers (if they don't have it already), since it can cover these elements during the listing period; some companies even offer free seller’s coverage during this time with the hopes that the buyer will decide to continue the coverage. In some cases, home sellers will offer to pay for the first year of a buyer's home warranty.

Home warranties come in different levels of coverage and cost. They typically have three tiers with the lowest tier covering one item and higher tiers covering and costing more. Home warranties can cost from $200-$700 a year with co-pays generally $75.

If you decide to purchase a home warranty, know what is covered and not covered. Does it cover pre-existing conditions? Does it cover the refrigerator and the ice maker? Does it cover the furnace and the whole-house humidifier? If a covered item stops working because of a system
that is not covered in the warranty then you could be responsible for the service call. The warranty company will usually try to help you troubleshoot the problem before sending out a service call.  An example would be if the heating and air conditioning (HVAC) did not operate because the battery in the thermostat was dead. In this example, even though the warranty covers the HVAC, the warranty may not pay for a service call due to a dead battery. I have highlighted these examples because they may be in the small print of a warranty. Its up to you to do your do diligence and read your contract completely. Know what you are getting for your money before you sign on the dotted line. 

Another approach to consider is self-insuring for unexpected home repairs. Consumer Reports recommends home owners first try to place savings in an account for maintenance of the house. This means doing it the old fashion way by saving up for expenses.  If anticipated future maintenance are $500.00 per year, then the homeowner would set money aside for that purpose. 

However you decide to handle maintenance on your home, it's important to consider all your options when putting a plan in place. When purchasing a home warranty be sure you do your homework and read the contract thoroughly. 

Here is a link to an article on home warranties:

Easy fix for small plumbing leaks
Sometimes when it rains it pours. In my case it was raining above and below the kitchen sink (one drip at a time). The reverse osmosis "RO" system (water filtration system for drinking water) under my kitchen sink began leaking at a compression fitting after replacing the filters. At the same time, a leak developed from the kitchen faucet cartridge. The good news was expensive replacement parts were not necessary. I repaired the leaks with silicone grease made by Danco. Silicone grease can be used to lubricate the O-rings in the cartridge and the compression fittings for the RO system. Silicone grease can be purchased at your local hardware store for under five dollars.

The silicone grease works well because it does not damage the rubber O-rings. It does not dissolve in water and is stable in high heat (which means it maintains its viscosity). The grease will not help if the O-ring is missing or cut. 

I disassembled the cartridge to lubricate the O-rings. A  Q-Tip was helpful to lubricate the O-ring on the compression fitting for the RO system. Then, I reassembled the faucet and the RO system compression fitting and enjoyed leak free systems! 

P.S. This product can also be used on the threads of exterior hose bibbs to make connecting and disconnecting hoses easier.

Links to the Danco silicone grease:
Learn more about Hank Darnell: Home Inspector
Hank Darnell Home Inspections, LLC is here to serve your home inspection needs. I am an InterNACHI Certified Home Inspector, Kansas Radon/Termite Inspector, and have a Bachelor of Science in Business/Marketing/Management from Baker University. I have over 20 years of experience in construction including plumbing, electrical, framing, foundations and roofing. My background in business, marketing, management, construction and home inspections gives me the unique perspective and skill sets to not only understand how important being thoroughly informed about a real estate purchase is, but the ability to provide this information in a concise easy to understand way.  Reports include 50 to 100 color photographs and are provided within 24-hours of inspection. Flexible schedule with weekend appointments available. 

Thank you for your business,

Hank Darnell
Copyright © *2016* *Hank Darnell Home Inspections LLC*, All rights reserved.

Our mailing address is:
1214 Long Creek Ct.
Baldwin City KS 66006

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Hank Darnell Home Inspections · 1214 Long Creek Ct. · Baldwin City, Ks 66006 · USA

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