Thursday, November 3, 2011

How to Make a Successful Home Insurance Claim

Filing a successful home insurance claim is not always an easy task to accomplish. There are plenty of hoops to jump through when filing such a claim, and if you aren't sure how your insurance company and adjuster calculate depreciation for your home and property, you can risk losing thousands. In order to get the most out of your home insurance, when you need it most, it is important to understand how to file your claim successfully.
Before filing a home insurance claim, you should know its main purpose. Homeowners insurance provides protection for you, as a homeowner. This type of insurance can help save you the financial loss experienced with the damage or loss of your home, and often, the contents within it. There is a wide array of home insurance plans available and many vary in your particular region.

If you are planning on filing a home insurance claim, it is important to know and understand what type of claim you will be filing. The approach homeowners should take when filing a home insurance claim will depend on what type of loss you have experienced; theft, damage to the property, or a combination of losses. The type of claim will also differ if the loss was caused by a natural disaster. Some home insurance plans also cover injuries that have taken place on the premises.
When you have experienced a theft or damage to property at your home, you must first and foremost inform the law enforcement authorities. This is very important, even if expensive items are not stolen or damaged. Always be sure to keep several copies of the claim for your records and the insurance company. Before heading to the police, be sure to make a complete list of the damaged and stolen items so that all are included on the claim. Only the items on the police claim will be covered. Once you have made the police claim, contact your home insurance company and always ask if there are any special steps you need to take to ensure that the process moves smoothly.
For filing home insurance claims involving injuries, you must ensure that prompt and proper treatment be administered. Injuries that are covered by home insurance usually include sudden falls or injuries caused by tools. Always be sure to keep a copy of any medical receipts and prescriptions for the insurance company.
Natural disasters are also covered by home insurance policies, although you will want to make sure before making a claim that you have coverage. Some home insurance policies offer natural disaster coverage automatically, whilst others only offer it as an extra. Once you have experienced a natural disaster, contact both the insurance company and your local government to ensure quick and immediate assistance. Always cooperate with authorities and follow all policies and don't forget to fill out the necessary claim forms, otherwise your claim will be denied.
Overall, making sure that you have plenty of documentation and backup is essential to filing a home insurance claim successfully. It is a great idea to keep a camera handy and take pictures of any damage, injuries, or items within the home, as this will help your claim go a little more smoothly. Also, it is important to keep a calm head and be patient when working with the police and insurance adjusters.

Derek Rogers is a freelance writer who represents a number of UK businesses. For Insurance Claim Services and Loss Assessor Consultants, he recommends Morgan Clark.
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Wednesday, November 2, 2011

Home Design

Living Room
Knowing many aspects on home design is the best solution for your great home building. When we have to build our home but we don’t know any kind of building literature, we may use professional home designer or architect. Professional like they are usually viewing their customer needs to synchronize with all the condition such as topography, land type, general environment and more. One thing for sure when we build our home for our best place for living should fit some condition. Room availability is the most importance thing for comforting our movement and activity. Gate, is the first entrance access into our home. Parlor, place for take on all the guests who has visiting our home. Living room, the most used room in our home.
Living room activity such relaxing and gathering with all the part of our family, watching movie, chat and more.
Bedroom
Bedroom (rest area ^_^), use to be the most comfortable place to make our condition feel great again by take a good rest here. Good bedroom design will take good effect in our recovery time a.k.a resting. Then the next room is kitchen, housewife area. Cooking foods, making cake and whole activity should be more comfort in great kitchen design. Dining room, the next room to follow-up the food has cooked by our mother. Dining room furniture choice which is matched by the theme will bring more good effect on us. Bathroom, usually best place to make our body fresher by take a shower. Making good bathroom design will allow you get the health quality of live. Backyard, any outdoor occasion we do like barbeque party, enjoying afternoon tea time, playing with the kids will be joyful here. Backyard design should be match with the theme of our home back side. Move inside again, if the soil condition enable we can make our basement. Here the professional hand needed, basement design, basement placing, wet or dry condition making, plumbing, water proofing etc will made good basement. Oh we almost forget the garage, car, motorcycle, tools can be saved in our garage. Good garage management such as selves decrease room utilization.
Parlor

Minimalist Living Room

Bedroom Design
Kitchen Design
Kitchen Design

Dining Room Furniture

Dining Room
Bathroom Ideas
Bathroom Design
Backyard Design
Natural Backyard Design
Basement Remodeling
Basement Design
Terrace Design
Terrace Design
Home Garden
Beautiful Garden Design
The Garage
Garage Storage Ideas

Monday, October 10, 2011

How to Isolate Your Bed from Bed Bugs

Isolating your bed basically means cleaning the bed bugs off your mattress and linens, and then building traps that prevent remaining bed bugs in the room from crawling up the legs of your bed and re-infesting it. Isolating your bed won't get rid of your bed bug problem, but you will be able to sleep again at night.
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Before We Get Started...
Your bed bug exterminator should get involved in this process. Exterminators have chemicals that kill any bed bugs hiding on your mattress, box spring, headboard and frame. So, depending on what your pest control tech tells you, some of these steps may not be necessary for you to do on your own. Again, clear the following plan with the expert before you begin.
What You'll Need 
  • Zippered dust-mite encasements for your mattress, box spring and pillows. These are basically large
  • bags that are designed to keep dust mites inside the encasement - but they also keep bed bugs inside. Find them at allergy supply stores.
  • Wide duct tape.
  • Contractor grade trash bags (not lawn and leaf bags, but the thick contractor grade trash bags, at least two or three mils thick).
  • Wide double-sided tape.
  • Bed lifts to raise your bed off the ground (these are little stands that you set the legs of your bed frame into to raise it off the ground). Find them at your local bedding/linen store. Note that if your frame is already fairly high off the ground (like a foot or more), you don't need the risers.
  • Four metal bowls large enough to place the bed lifts in (heavy duty plastic bowls are fine, too. Either way, they have to be unbreakable). Pet stores have nice metal bowls that are ideal for this.
  • XXL Ziploc bags
  • Food-grade freshwater diatomaceous earth. Also known as DE, diatomaceous earth is an abrasive mineral powder that kills bed bugs and other crawling insects by scratching open their skins, which dehydrates them (they die after a day or two). This stuff is razor wire for bed bugs - they will be able to crawl through it, but the damage they suffer is deadly. You can get DE everywhere: online, your local garden center (gardeners use it to kill pests, sometimes marketed as ant killer), or pet supply stores (food grade stuff is sprinkled on pets to kill fleas). Make sure you don't get swimming pool grade diatomaceous earth - that is the wrong stuff. Also, get a dust mask while you are at Home Depot - you'll wear it as you are dusting around your bed. A note about DE: While considered generally safe, you need to carefully read the label and follow all safety instructions. Wear a dust mask or respirator when applying.
  • Murphy's Oil Soap. Murphy's is a wood cleaner made by Colgate-Palmolive that also has pesticide properties. You can find it everywhere. Buy the spray bottle.
  • A new set of white sheets, pillowcases and covers. You are going to replace your existing bedding with new white linens, to better spot any fresh bed bug fecal spots or blood.
  • New pillows: Your current ones might be infested, so let's start over with new ones.
  • Optional: Something that kills bed bugs on contact. Rubbing alcohol in a spray bottle will do it. You can dilute the alcohol with a bit of water to make it last longer - 9 parts alcohol, 1 part water.

What to Do
Step 1: Clean your Linens and Bedding
First you need to pull all the bedding off your bed - sheets, mattress cover, comforter, pillows and pillow cases. Everything. These are infested with bed bugs, so you need to immediately stuff them into the trash bags and tie the bags off.
Now wash every item in hot water. Don't let those infested linens touch other linens or clothing items. Then dry them on high (at least 140 degrees) for 4 hours, or two complete drying cycles. When done, put each item into an XXL Ziploc and seal it.
Put your pillows in a contractor bag, seal it, and throw it in the trash. Cleaning a pillow thoroughly is tough, so you're better off starting with a new one.
Step 2: Vacuum Your Mattress and Box Spring
You are now going to clean the mattress and box spring of any bed bugs, eggs, or larvae.
Get out you vacuum cleaner and clean EVERY INCH of your mattress. Scraping the end of the vacuum attachment vigorously over the harborage area is better than using a brush, because the bugs cling tightly to the surface, and the eggs are cemented to it. Clean every inch of the surface, the tufts along the edges, and the sides of the mattress. Lean it against the wall and vacuum the other side.
Clean the box spring just as carefully. Tear that flimsy dust cover fabric off the bottom, seal it in a plastic bag and throw it away. Vacuum the insides, making sure to get every bit of fabric, as well as the wooden frames and support.
When you are done vacuuming, remove the bag from the vacuum, seal it in a plastic garbage bag, and throw it out. The vacuum bag will have bed bugs in it, and you don't want them to crawl out.
Step 3: Clean the Bed Frame
If you have a metal frame, you are in luck, because these are fairly easy to clean. Grab the vacuum and clean all the nooks and crannies. Pay special attention to inside corners, joints, the areas where the wheels attach to the frame - any dark little corners where bed bugs might hide.
Spray it down with rubbing alcohol to kill anything you missed. Use caulk or duct tape to fill in any holes or gaps between the metal pieces (bed bugs hide in the holes and joints).
If there are any hollow areas in your bed frame (sometimes, the legs are hollow), those are perfect places for the bed bugs to hide. Spray the interior with alcohol and vacuum them out.
If you have a headboard, you should get rid of it. The headboard is one of the most likely places the bugs will hide and lay eggs, and if you have one, I can pretty much guarantee you that it has bed bugs hiding on it. Put it in a plastic bag, carry it to the dumpster, spray paint the words BED BUGS on the package, and throw it in. (It is important to wrap the headboard in plastic before it leaves your bedroom. You don't want any bugs jumping off in the hallway on the way to the door.)
If you have a wooden bedframe, you need to disassemble it, and wash it down with Murphy's Oil Soap. Once you have the frame disassembled, vacuum it like you did with your mattress and box spring. You may need to use a stiff brush to dislodge any eggs or bed bugs in the nooks and crannies. Now spray the Murphy's onto the frame, making sure to spray it into every cracks and crevice.
Step 4: Clean and Prepare the Floor Around Your Bed
When you reassemble the bed, you have to position it away from the walls and furniture, so bed bugs don't have anything to use as a bridge to reinfest your bed. Usually, the best place is to position the bed toward the center of the room and the night stand or tables away from it.
Carefully vacuum the floor in the area under the bed. If you have any carpets or rugs, I think you should roll them up, put them in the trash bag, seal the bag tightly and put it in the garage or storage for the next 18 months. But consult with your bed bug exterminator. Rugs can be treated by with chemicals, so it's your call as to what to do.
Sprinkle the floor you just cleaned with a light dusting of DE. Don't make piles, just use a baby powder bottle or some other plastic bottle that can puff out a very light layer of the stuff.
Warning: DE is almost lighter than air, and it takes some practice to get used to. As with any pest control product, READ THE LABEL AND FOLLOW ALL SAFETY PRECAUTIONS. Wear a dust mask or respirator when applying.
Step 5: Reassemble the Bed Frame
Now reassemble your bed frame and move it to the middle of the room, over your dust field. Put the legs of the bed frame on the lifters, and put the lifters in the bowls. In other words, the bowl is on the floor, the lifter is in the bowl, and the bed frame is on the lifter.
Wrap plastic wrap around the legs of your bed (regular Saran Wrap is fine for this), then wrap double sided tape over the plastic wrap to catch any bed bugs crawling up.
For additional protection, spread Vaseline on the legs above and below the double sided tape. This is an old trick from the turn of the century, and another obstacle to gum up any bed bugs trying to crawl into your bed.
Put the encasement over the box spring. Put the box spring on the frame. Make sure you don't tear the encasement! Cover the zippered seam of the case with duct tape. Use a lot of tape, and extend it four to six inches from the end of the zipper. You are taping up the zipper because baby bed bugs are tiny, and can slip through the teeth of the zipper.
Gently put the mattress on the box spring. Gently pull the casing over it, and tape the zippers shut.
Now it is time to fill the bowls with soapy water. Bed bugs cannot traverse soapy water, so this becomes like a little moat, protecting the legs of your bed.
Put your new white sheets on the bed, over the encasements. With new sheets, you'll be able to see any blood spots, fecal stains, or crushed bed bugs that might have penetrated your defenses.
Step 6: Securing the Perimeter
Put down a three or four inch wide circle of double-sided carpet tape on the floor around your entire bed (be sure that you vacuumed within this area. If you didn't, do it now). This way, any bed bugs crawling from outside of your fortress will get caught in the tape.
And finally, be sure you have a dusting of DE extending 12 inches around the soapy water-filled bowls. You want to be sure that any bugs that try to get up those bowls have to go through the DE first. Again, this should only be a dusting of DE. You should not see much whiteness at all - thinner is better. Any more than that, and it won't work.
And you're done! Feels good to be taking the offensive, doesn't it? If everything works as planned, you've cleared the bed bugs off your bed, any that you missed are encased inside the mite cover, and the bed bugs elsewhere in the room will be unable to get into your bed. Finally, a chance to sleep!
Jens Alexander is the owner of The Bed Bug Battle Plan, an extensive resource for bed bug victims. At BedBugBattlePlan, you can find links and information, photos of bed bugs, and most importantly, learn how to get rid of bed bugs.

Friday, August 5, 2011

About Kitchen Designs

The children come home from school and throw their shoes on the floor running past to try and get to the television set before one another, your eldest daughter comes homes from college and drops her bag on the table and sits down on the comfy chair to rest her feet and father comes home throws his keys on the side and undoes his top button just in time to catch the children as they come running in to greet him. The kitchen is the hub of the home it is where we all share and help each other with problems, we all chat and gossip here and we all communicate with our family here.
Kitchen designs therefore need to be perfect or at least perfect for the individual family as it is seen as a very important room in the home. Kitchen designs allow each family to relax in the kitchen, it allows them to enjoy food here and embrace one another’s company. Kitchen designs give the opportunity for each family to have their own family time, whether you like your kitchen to be formal or informal, you may like to have a comfy sofa or you may want a breakfast bar.


Kitchen Designs can be a big project and getting this project correct will be important to the family setting. Paradise Kitchens offers some great kitchen designs that can be tailored to your individual taste. Though if you would like to create and design your own kitchen then Paradise Kitchens has professional and helpful staff willing to advise you on what is best for your kitchen any size and any shape. Visit paradise-kitchens.com.au to find out more about kitchen designs from Paradise Kitchens. You may not need nor want full kitchen designs, you may just want to buy some new accessories to brighten up your kitchen or you may want a new kitchen table. Whatever you need whether big or small Paradise Kitchens has an array of chooses from taps to pans.

Paradise Kitchens is offering a great service where you can buy ‘take-away kitchen cabinets’ which is a great way to re-design your kitchen without it costing you the earth. Kitchen designs don’t have to be a full kitchen replacement as I have already mentioned kitchen designs can simple be a new coat of paint.
Kitchen designs now offer us the green option, the option to look after the environment with simple solutions such as, recycling, using eco-materials, energy efficient appliances and many more. This option of kitchen designs allow you to really make the best out of the natural resources your kitchen has on offer, making it a cheaper alternative in the long run.
Kitchen designs can make an old home feel like a new one even the smallest transformations that are adapted to your individual needs within your kitchen the centre of the home will make a big difference to your family setting. The hungry family can sit down to a family meal ready to converse with each other about their day’s events

Black bedroom designs ideas | bedroom designs ideas

Black and White Bedroom Design Ideas

There are four things that you need to consider for implementing the black and white bedroom ideas. They are - walls, furniture, flooring and decorating accessories. All you need to do is to get all these things as per the black and white theme and you will get an attractive black and white bedroom in no time! It is true that you will be working along the black and white theme line, but first of all you need to decide whether you want a contemporary, vintage, French country style, cottage style or modern style bedroom. This factor definitely affects the selection process of the furniture as well as the bedroom accessories.
Bedroom Walls
Wall decoration is an integral part of carrying out the perfect black and white bedroom designs. Interestingly, black and white are not the only colors that you can try on your wall, but you can bring in a lot of exciting and best room colors like magenta, deep purple, dark red and gold are also excellent choices for your bedroom walls. However, you need to keep an attractive bedroom wall design in mind and take care of the wall color combination that you have chosen (black and white that is!). If you want to stick to black and white, then try to paint one wall with mat black color and the rest in ivory whites. Black color always acts as a focal point and hence you need to arrange the rest of the room accordingly. For best results, color the wall behind the bed, in deep black color and the rest of the walls in whites. It well definitely give a defining touch to your bedroom. You can also opt for patterns of abstract designs, nature as well as stripes or collage of black and white color is an excellent idea.
Bedroom Flooring
There is a lot to experiment in flooring section for black and white bedroom designs. You can opt for a slate flooring that matches with the accent wall of the room or opt for totally contrasting chic white flooring. You can also opt for a simple white or black flooring with glazing marble flooring. You can also opt for white polka dots on black flooring or black polka dots on white flooring. Or, you can opt for white or black polished hardwood flooring to get that contemporary as well as modern feel to your black and white bedroom. 
If you want to be more experimental, then you can opt for the flooring of the same color as the above mentioned wall colors other than black (magenta, deep purple, dark red, dark brown) colors. You can opt for the dark brown flooring an an accent wall with the same color. All in all, you need to make sure that you are choosing the flooring, which is coordinating and not overwhelming! Once you are done with the flooring selection, then you need to start hunting down the furniture. 
Bedroom Furniture
Well, it doesn't take a genius to guess that black and white are the key colors in which you need to select the bedroom furniture. Unlike the flooring and walls, you need to opt for bed that has only black or only white color. However, the dressing tables, side tables and study tables can be chosen in a perfect combination. For example, you can opt for black color for the left side table and white color for the right side table.This will only reemphasize the elegant black and white bedroom design ideas that you are working on. You can opt for wood furniture that bears a sort of antique and arched look, if you are looking for retro or classic type of bedroom. For modern ones though, you need to opt for clean and polished furniture articles that are scratch proof and look quite glossy. Select wardrobes with sliding doors of contrasting colors look stunning as well. You shouldn't forget about the bedroom door! Make sure it is a part of the black and white bedroom design and ideas that you are willing to implement. 
Bedroom Accessories
This is my favorite part of bedroom decorating, which is to enhance the look of the basic black and white bedroom theme. First of all, start collecting coordinating curtains, bedding, carpet, area rug, wall hangings, painting frames, lamps and lampshades, other light fixtures, tables with black carvings, vases, plates, candles and candle stand, etc. However, make sure that the accessories that you select are in contrast with the background. You can also opt for area rugs, lampshades and flower vases match with the design on the accent wall. This way you will enhance the overall look of the bedroom. There are two things that you need to keep in mind. First of all, make sure that the room gives you a relaxed feeling the moment you enter it and secondly, make sure that you do not make the room to appear tacky with loads of accessories. Keep it as subtle as possible, it will sooth your mind as well as soul.
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