Build Home Insurance Perks into Your Pitch

cit5glamourimagesmallWhether you’re a builder or an architect, you’re always looking for new ways to sell your homes to your clients. Here’s something unique to build into your pitch – the homeowners insurance benefits. Savings and extra perks go along with insuring a new house versus an old one. You can get a leg up on the competition by using a lesser known perk to your advantage.

To start off: simply buying new can help your clients save. Homes built within the last 10 years could qualify for a discount of up to 20%. Given that the average U.S. homeowners insurance premium exceeded $822 as of the end of December, the new discount could generate savings of up to $164 a year. Providers prefer new homes because they believe there is a lower risk of them incurring an expensive claim.

Other ways that new homes can earn your clients home insurance savings and help with your sales message include the following:  

New plumbing

Plumbing system failures are the leading source of home water losses, according to the Insurance Institute for Building and Home Safety (IBHS). It’s no wonder that home insurance providers wish to avoid plumbing malfunctions when the average claim per incident weighs in at more than $7,000, according to the Insurance Information Institute (III).

Updated plumbing systems in new homes form a major part of a moisture management strategy and can therefore earn your clients preferred home insurance policies, which generally come with lower premiums.

A modern HVAC system

Heating and cooling systems can be testy. In fact, heating equipment is the second leading cause of home fires, according to the National Fire Protection Association (NFPA). To avoid the approximate $5.8 billion dollars in damage that heating systems cause in fire damage every year, insurance carriers consider new HVAC systems a major factor in determining whether a homeowner qualifies for a preferred policy. New HVAC systems also typically work more efficiently and can save your clients 20% or more in utilities costs.

More fire safety

From 2007 to 2011, the U.S. experienced nearly 50,000 fires due to electrical malfunction and $1.5 billion in direct property damage, according to the NFPA. The average fire claim costs insurers in excess of $33,000, according to the III. Again, new wiring is a factor in qualifying for a preferred policy. Other anti-fire measures in new homes include smoke detectors, which can win owners premium discounts of up to 5% ($41 on that average premium cited above).

Roof stability

Roof damage from wind and hail costs an average of $7,177 per claim, so home insurance providers favor sturdy roofs. If your building project involves roofs that the carrier qualifies as impact-resistant,—UL class 3 or higher—your clients could get preferred status and qualify for lower premiums. Some materials that qualify are metal and concrete tile.

None of these savings are one-time price breaks: They can extend for years, which should increase their appeal to buyers. In fact, homeowners who go 10 years without filing a claim can win a discount of up to 20% on their premiums. New homes make it much easier to reach that 10-year threshold.

When speaking with potential buyers about the benefits of buying new, add home insurance discounts to your toolbox. You can get your clients focused on protecting their homes, while adding the benefits of lower monthly premiums. Doing so can help persuade clients to buy new – and to buy with you.

Guest Blogger Carrie Van Brunt-Wiley has been Community Manager for HomeownersInsurance.com since 2007. She is a native New Yorker with a background in journalism and professional writing.

 This guest blog post does not necessarily reflect the opinions of CertainTeed Corporation.

The Transparency Movement Sets a New Standard

Think about it, metrics for sustainability provide fact based defenses for faith based decisions. A Life Cycle Assessment (LCA) on an individual product is an example of a fact based defense for choosing a specific material.

For example, say that you set a criterion of global warming potential as your decision making criteri0n. How could you compare vastly different types of material to learn which has a greater impact? Now you can because the LCA provides that level of information. 

Now, if you look at sustainable buildings as opposed to sustainable materials the LCA is the natural way of taking the information and expanding it to the building level. Setting the correct discrete limits up front creates a potential for the limitless. We can take this same measurable – global warming potential – and expand it across the whole building assembly.  Can we say that this building is more sustainable than another?  Absolutely we can – the metrics are in place. Simply pick what is important to you.  After all, sustainability means different things to different people.

There are a whole range of important metrics that people can use in their consideration process. All the information is available and there are systems in place to be able to expand across the building such as the LCA.

So it is now possible to defend your faith in sustainability with facts; as long as you understand the systems like LCA and the information that is available.  Maybe faith is making a comeback.

What do you think?

 

Transparency and Green Labels for The Home

Product Life CycleWhile I was waiting for my coffee to brew this morning in the office, I started reading the ingredients on the back of the sweetener I planned to use. There was one ingredient that I didn’t recognize. Being a scientist, I am naturally curious so I looked it up. I was shocked to find out that the sweetener contained an ingredient that emits formaldehyde above 92 degrees Fahrenheit. So I chose a different sweetener.

How fortunate am I that I caught that and had the resources to understand what it was telling me. But how many people have no idea what some of this means? It made me think about the benefit and value of the emerging forms of transparency about the products that we buy and use in our homes. This information is very insightful and when we make it available in a form that people can digest and employ it has real value to customers and consumers.  An informed consumer is a better consumer and manufacturers are beginning to embrace the concept of transparency through Life Cycle Assessments, Environmental Product Declarations and Health Product Declarations. If you are interested in learning more about transparency in the building materials industry, I addressed this issue in a blog post.

For a more in depth and current discussion of the topic, please consider attending the webinar I am conducting on Tuesday, February 18 from 12:00 – 1:00 pm EST titled Publications for Product Life Cycle Assessment.  This course is accredited with the American Institute of Architects (AIA) and the Green Building Certification Institute (GBCI).

 

IBS Insights: Keeping Moisture out of Walls

KellyWarrenKelly Warren, CertainTeed Insulation Product Manager, participated in a live Q&A session at the International Builders’ Show. Here’s a recap of the discussion:

Q: Are there new approaches builders can use to reduce the liability of moisture and mold in wall cavities?

Yes, one of the main concerns we hear from builders is how to keep moisture out of your walls. And that’s what our new product SMARTBATT does. It is a kraft-faced fiberglass batt insulation that has an integrated smart vapor retarder — which offers additional, enhanced drying capabilities in the wall cavity. In the summer, when it’s warm, moisture tries to get into your house. When it’s winter and it’s cold outside moisture tries to escape. The smart vapor technology that is incorporated into SMARTBATT opens and closes in the right areas and keeps moisture out. And, it rounds out the complete equation when it comes to comfort — thermal efficiency, air tightness, moisture management, and acoustics.

 

Wall Assemblies for Maximum Efficiency: How Many Layers is Too Many?

SimplexOPTIMABuilding professionals spend a lot of time dealing with production construction which has dialed in efficiencies and productivity to provide the maximum assembly for the cost per square foot.  The reality is in standard construction you build things in five or six layers. This is the standard in terms of building a wall system more efficiently and we have gotten it down to a science.  Generally a six layer home will give you a solid, energy efficient, comfortable home.

Occasionally, I work with builders on projects that remind me of possibilities beyond what is the status quo.  I recently had an opportunity to work with a builder who was building a custom home whose wall systems had 13 layers.  This wall had so much redundancy and robustness built into it that I just had to ask for a chance to visit the project and see this masterpiece being built.

This was the homeowner’s instruction: They wanted a thick wall, they wanted a silent wall, they wanted a highly efficient wall for them to own.  That’s one of the key’s to this discussion- the owner is focused on what comes afterwards- not what happened before. To achieve this goal the builder is employing a combination of traditional masonry materials and cutting edge products and systems.   

In a similar fashion, a project that CertainTeed has been involved with at the Navy Yard in Philadelphia with Penn State achieves a similar goal but in a lighter and perhaps less massive assembly – to create a highly efficient wall system that can provide comfort, improve indoor air quality, better acoustics but, and here’s the rub- to still be affordable by more typical consumers.  This was done by using a 2 x 8 construction – providing a deeper wall cavity – A Blown-in-Blanket Insulation System, Weather Resistant Barrier, a Smart Vapor Retarder and Air Barrier System, a Wallboard Solution, Rigid Insulation on exterior and Insulated Vinyl Siding. This created an R30.5 exterior wall.

In both homes, products were used to address acoustics, indoor air quality and moisture control.  Do you need 13 layers?  Probably not but the pressure is certainly going to be on what layers remain to do more than they have in the past.

Thoughts?

 

Small is Beautiful in this Contemporary Cabin from Simplex Homes

When you start to think about downsizing  you may want to consider modular construction if you are building.  At Greenbuild this year, the Green Zone exhibited a wonderful option.Simplex House

The Greenbuild Cabin, designed by Resolution:4 Architecture and built by Simplex Homes, was an excellent example of more efficient living similar to the types of residential options you would see at the Solar Decathlon.  Attendees at Greenbuild could see products at work in a modular one-room retreat that was aesthetically very pleasing.

The 806-square-foot cabin is designed to have a strong connection to the exterior, with abundant natural lighting achieved through low-e, Argonne-filled, double-pane glass. With a LEED Platinum certification as the goal, the cabin employs a number of green technologies, including rainwater collection, a greywater system, photovoltaic array, EPDM rubber membrane roofing system and a super-insulated envelope.

The cabin houses a fully functional kitchen and, through its creative use of space and natural lighting, invites residents to live large.  

An Insight from Green Building Guru: David Gottfried

GottfriedAt Greenbuild 2013, we were thrilled to welcome David Gottfried, the founder of the U.S. Green Building Council to our exhibit. His visit coincided with the launch of his newest book, “Explosion Green”. In this excerpt from Building Design + Construction magazine, David offers the following advice to green building professionals:

Don’t give up. We started with nothing — no money, no board, no brochure, no green building rating system. A lot of people did not take us seriously. However, we were able to collect those who had passion, a spirit for change and wanted a bigger purpose in life. And then, we supported each other when mountain climbing got steep and we kept at it. We found our way and invented the fasting growing industry for changing earth and the economy…and built a core around the world of millions of people. Stay the course and don’t give up…

Well said, Mr. Gottfried. We agree and look forward to reading your new book!

Opening the Door to Better Classroom Acoustics

Slatington Elementary ClassroomLast year, I was presented with a unique opportunity to apply our building science research into a real-life application — the renovation of an elementary school in northeastern Pennsylvania. Originally built in 1973, the school was transformed from an open concept interior space into individual state-of-the-art classrooms. Superior acoustical comfort, which can contribute to improved student performance and teacher retention, was a top priority in this field study as well as an analysis of the overall indoor environment that included air quality, thermal comfort and visual comfort measurements.

Our goal was to investigate the impact of installing different, high-performing interior acoustical ceiling and gypsum wallboard system solutions in six new classrooms constructed in the third grade student wing. Acoustical tests were conducted in each classroom to determine sound absorption and interior partition sound transmission levels, as well as major sound flanking paths.

As a leading manufacturer of ceilings and wall products, our team is well versed in the myriad of product specifications and configurations for our products. However, during the testing, I had an a-ha moment of sorts regarding the doorways to the classrooms.

Specifically, I realized that even though it is well known that acoustically isolated, airtight door assemblies improve classroom acoustics when used in conjunction with high-performance gypsum board and ceiling products, these elements are often specified independently rather than a comprehensive acoustical system. This is a challenge that I have always been aware of, but seeing it so clearly in this study led us to ask: what could we do about it?

Our curiosity led us to ASSA ABLOY, the global leader in door opening solutions. Through our alliance, we’ve uncovered easily accessible solutions found in door and frame systems, to address acoustical challenges and reduce the sound reverberation that further complicates noise issues in classrooms.

We look forward to sharing more detailed findings during Greenbuild 2013 through a dedicated education session at the Saint-Gobain Learning Lab. Please join us at the session or leave us a comment below to continue the discussion.

An Unsettling Modular Construction Myth Is Put To Rest

SimplexOPTIMARecently, I had the opportunity to debunk an industry myth that blown-in fiberglass loose-fill insulation is not a viable option for new modular home construction, as it might settle and lose R-value while in transit between the modular home production facility and the jobsite. This was one of the reasons modular home builder Simplex Homes had avoided using blown-in insulation on their projects for years. This year, however, they found themselves working with our OPTIMA® blown-in fiberglass insulation while building a Net Zero Energy demonstration structure at The Navy Yard in Philadelphia as part of Penn State’s GridSTAR Experience Center.

The plan was to build, insulate and roof the shell of the structure, using modular construction techniques, at the Simplex Homes production facility in Scranton, Pa., and ship it by truck to Philadelphia. Having never used OPTIMA in a modular construction application and concerned about the settling rumor, the builder consulted me for assistance in the design and assembly of the high-performance wall assemblies. I designed for them a high-performance 2×8 wood-framed wall assembly, which offered a total insulation R-value of 35.4. A key component of this assembly is a Blow-in-Blanket® System (BIBS) for the wall cavity featuring a 7-1/4-inch-thick layer of OPTIMA insulation.

With on-site assistance from one of our product engineers, the Simplex Homes crew was able to easily build and insulate the wall assemblies. The building’s shell was trucked to The Navy Yard this past spring, where the remainder of the interior finishes were added. An inspection after its arrival confirmed that the insulation had not moved an inch. Simplex Homes was impressed by their first experience installing OPTIMA and is now looking forward to working with the product in future modular construction projects.

The bottom line is that fiberglass loose-fill insulation is naturally inert and therefore will not settle or lose R-Value over the years, as long as it is installed properly at its full designed thickness. Blown-in fiberglass loose-fill insulation is an asset to any modular construction project, offering unwavering superior R-value, fire resistance and acoustic control for the life of a structure.

Now that we’ve put this myth to rest, what topic should we tackle next?

Can We Pick Our Future Rather Than Repeating Our Past?

The U.S. Green Building Council’s Leadership in Energy and Environmental Design (LEED) Version 4 (V4) has been approved and will be become official at the Greenbuild International Conference and Expo in November 2013.  But even after the new version comes out in November, you can register and begin LEED 2009 projects up until the summer of 2015.  This means that for the next two years we will have LEED 2009 projects coexisting beside LEED V4 projects.

These programs are very different especially with regard to transparency issues.  For example, Health Product Declarations (HPD’s), Environmental Product Declarations (EPD’s) and Life Cycle Assessments (LCA’s) are moved in V4 from where they were in LEED 2009. In LEED 2009 they are classified as pilot libraries but now have been moved to materials and resources, credits two, three, and four. This represents a significant change to the materials and resources credits.

The co-existence of two different programs could, potentially, cloud the issues for the end users.  But making incremental steps can help to keep people focused on a sustainable future without feeling that they have to start all over. But does the potential exist for the momentum of LEED to stall because we are not looking far enough into the future?

Consider the Living Building Challenge which is the gold standard for what some advocates envision for the sustainable future. Have they thrown the target so far down the field that it doesn’t need to be continually updated because the goals are not highly achievable today? It sets the bar very high but it does give us a long range goal for future development.

If you want to change the future you can’t do it based upon the past.  Psychologists tell us that our default reaction to a challenge is based on our experience and history. When presented with a situation we tend to lean on the past.  This causes us to repeat the past and impedes our ability to get to a desired better future.

If you want to get to a future that is different than the past, you have to imagine a future not based on the past.  You have to set your target not based on incremental changes because that just builds on the past.  Let’s start by saying “in 10 years, I want to be over there”- now work back from there until now and NOT forward from now until then. I think you’ll find that you end up much closer to where you want to be this new way than you did with the old way.

I, for one, would not want to see our efforts to move toward energy efficient, sustainable buildings stalled or worse, abandoned, because we failed to see a clear path to that future. If we get too caught up in the process, we could lose sight of the purpose.