Search results for "Policy protects" in Home Design Ideas

A small pinhole in the coupling of the hot water supply line from the Hot Water Heater developed and began leaking and spraying hot steamy mist. Because of its location in the seldom used Finished Full Basement, it initially went unnoticed.
By the time the homeowners noticed the leaking water, the moisture content in the ceiling sheetrock and well down the walls read 100%. The moist, warm environment proved to be ideal for colonies of mold spores to spread throughout the basement, aided by the HVAC systems return and supply lines circulating the mold spores. It didn’t take long before mold patches eventually covered all of the exposed materials and surfaces, furniture included.
The homeowners’ had protection from their insurance policy and were able to have repairs done after this unfortunate disaster.
Construction ensued. The ceiling, floors, and all of the interior and exterior walls were stripped down to the wood framing and masonry and disposed of. The 1st and 2nd Floor HVAC Ductwork was removed, and the entire existing Full Bath was gutted.
The remodeling included increasing the size of the full bath and removing the shower/tub as well as installing a large and comfortable tile shower. We added a small towel closet, and a separate entry into the adjoining room, which would now be reconfigured into a bedroom. A new EPA Water Sense-rated commode, a vanity cabinet with a natural granite countertop and an under-mount sink, a wall-hung mirror, and new sconce lights rounded out the update.
We turned the adjoining room next to the full bath into a bedroom. We added generous closet storage space and new lighting.
We finally turned our attention to the old kitchenette / wet bar. We took away some of the footprint to add to the full bath and designed an efficient and handsome wet bar / kitchenette.
Porcelain tile, no VOC interior paints, a complete replacement of the basement and 1st Floor HVAC ducting, air handler equipment cleaning, and green-certified carpet and pad combined to create a healthy and light-filled living environment.

A friend noticed a damp, musty smell coming from her living room fireplace the week after a February thaw. When she called a masonry technician from Superior Chimney, to take a look, and found that water had been working its way behind the bricks for years. What started as a small crack now meant her chimney needed structural repairs before she could safely use it again.
Chimney repairs are any work done to restore the structural and weatherproof condition of a chimney. This can include mortar joint repair, brick replacement, crown repair, flue repair, and cap or flashing replacement. Most Chicagoland homeowners discover the need for chimney repairs often times after winter, when the freeze and thaw cycles have already done its damage. Uncovering the symptoms early is the best way to keep chimney repairs down. Let’s discuss how that can be done.
Why Chicagoland Weather Is Especially Hard on Chimneys
Chicagoland has some of the most polarized weather. One day it’s a blizzard and the next week hot, humid and 100 degrees. That swing in weather conditions and temperatures are the real reasons why chimney repairs are needed.
When moisture from humid and rainy days’ soak into brick and mortar and then freezes, it expands. As it begins to thaw, the materials contract. Repeat that cycle dozens of times in a single Illinois winter and even solid masonry in the chimney starts to crack, spall, and separate from the joints holding it together. This is called the freeze thaw cycle. We’ve talked about it many times over the years, and it continues to be the single biggest reason homes need chimney repairs more often than homes in milder climates.
The Chimney Safety Institute of America (CSIA), the leading nonprofit certifying body for chimney professionals in the United States, notes that water intrusion is one of the most damaging and most preventable problems. If the problem is left to mature, it affects more than the appearance. It compromises the structure itself.
What Do Chimney Repairs Involve?
Not every chimney problem requires the same fix. Chimney repairs generally fall into a few categories. Understanding the difference, helps homeowners have a more informed conversation with the expert technician.
Mortar joint repair or tuckpointing. This involves removing deteriorated mortar between bricks and replacing it with fresh mortar, matched to the original color and texture as closely as possible.
Brick replacement. When individual bricks have spalled, meaning the face has cracked or popped off from trapped moisture, those bricks are removed and replaced.
Crown and cap repair. The crown is the concrete slab at the very top of the chimney. Cracks both big and small let water directly into the chimney flue. Chimney crown repair is often one of the most urgent forms of chimney repairs.
Flashing repair. Flashing is the barrier where the chimney meets the roofline. Loose, damaged or poorly installed flashing is a common source for water leaks. The roof gets the blame as it is the largest piece that covers the house. However, it certainly can be the overlooked chimney.
Flue and liner repair. Cracked flue tiles or damaged liners affect how safely a chimney vents smoke and combustion gases.
When to Know a Chimney Needs Repair
Most chimney damage shows up as small, easy to dismiss way. Let’s take a look at the following list. Be sure to print this out and keep it handy so if/when something happens, you know what to look for.
• Water stains near the fireplace or on the ceiling
• A brownish stain on the wall around your fireplace, or a stain on the ceiling near an exterior chimney. This means water is getting in somewhere it should not.
• Crumbling or missing mortar
• If you can see gaps between bricks, or mortar that flakes off when you touch it
• A leaning or visibly shifting chimney
• A chimney that appears to pull away from the house, even slightly, could indicate a structural issue
• White staining on the brick (efflorescence)
• Chalky white residue left behind as water evaporates out of the masonry. It is a visible sign that moisture is moving through brick
• Rusted damper or firebox components
• Metal parts inside a fireplace that are rusting are a strong indicator that moisture is present
• Debris in the fireplace
• Small chunks of brick, mortar, or tile landing in the firebox
What are the Various Types of Chimney Repair?
This is a compiled list of chimney repairs so you can be aware of what to look for. If you have any questions, contact us directly at 877-244-6349.
Homeowners who schedule chimney repairs at the first sign of trouble typically spend far less than those who wait until water damage reaches the interior of the home. This is a great reason to contact Superior Chimney at 877-244-6349.
Why an Annual Inspection Matters More Than People Think
The CSIA and the National Fire Protection Association both recommend that chimneys, fireplaces, and vents be inspected at least once a year, whether or not the fireplace gets used. This recommendation exists because damage does not take a break just because a chimney sits without any use.
According to data stated by the CSIA, chimney related fires still contribute to tens of thousands of residential fires across the United States each year, and a large share of those incidents can be traced back to deferred maintenance. An annual chimney inspection is what catches the small mortar crack or the hairline crown crack before it turns into a repair bill.
Hiring the Right Company for Chimney Repairs
Not every company who offers chimney repair work has the certified training to diagnose a problem correctly. CSIA certification is the most widely recognized credential in the industry, and it requires technicians to study chimney physics, venting systems, and fire codes. After the studies, the new technician needs to pass an exam and agree to a professional code of ethics.
When you call, be sure to ask:
Are your technicians CSIA certified, and can I verify that certification?
Will you show me photos or video of the damage before starting work?
Does the estimate distinguish between cosmetic repair and structural repair?
At Superior Chimney, we welcome these and other of your questions.
How Chimney Repairs Affect Insurance and Resale
A chimney in poor condition can complicate a home sale or an insurance claim. Home inspectors routinely report on visible mortar loss, leaning chimneys, or missing chimney caps. Some insurers will request proof of repair before renewing a policy on an older home. Addressing chimney repairs proactively protects more than curb appeal. It protects the sale timeline and the claims history associated to the property.
Frequently Asked Questions
How often should a Chicago area chimney be inspected? At least once a year, per CSIA and NFPA guidance, regardless of how often the fireplace is used.
Can chimney repairs be done in winter? Some interior repairs can happen in cold weather, but most masonry repair requires temperatures consistently above freezing. Spring and fall are the most common repair times in the Chicago area.
Is tuckpointing the same thing as chimney repair? Tuckpointing is one type of chimney repair, focused on replacing deteriorated mortar joints.
Does homeowners insurance cover chimney repairs? It depends. Sudden damage from a storm may be covered, while gradual deterioration from lack of maintenance typically is not.
So Finally…
Taking care of your home includes a chimney. Just because you don’t see it every day, doesn’t mean things aren’t happening. Be sure to get a chimney inspection done once per year by a certified and credible company such as Superior Chimney to take care of the issues. Contact us today by calling 877-244-6349.

Transform your space with our handmade braided area rugs, a perfect blend of traditional and vintage charm. these medium-sized round rugs in a timeless beige hue add a touch of elegance to any living room, bedroom, or dining room. expertly hand knotted and crocheted with scalloped edges, each rug reflects meticulous craftsmanship and an oriental flair. crafted from a mix of natural fibers including jute, sisal, and sea grass, these rugs are durable and eco-friendly, suitable for both indoor and outdoor use. the low, thin pile offers a sleek, modern look while ensuring easy maintenance and comfort. ideal for adding a stylish accent during the Christmas season or throughout the year, these rugs are currently available at clearance prices, combining classic design with practical functionality to elevate your home decor.
[FEATURES]
*PATTERN - Oriental
*COLOR - Beige
*MATERIAL - Jute
*MATERIAL COMPOSITION - 80% Jute; 20% Cotton
*CONSTRUCTION - Handmade
*WEAVE - Hand Woven
*COUNTRY OF ORIGIN - India
*BRAND - RUGSOTIC CARPETS
*MANUFACTURER - GET MY RUGS LLC
*SHIPPING - Free Shipping
*OCCASION - All
*ROOM TYPE - Living Room, Bed Room, Study Room, Guest Room, Kids Room, Office
*CARE INSTRUCTION - Vacuum Cleaning
*ECO-FRIENDLY - Yes
*NATURAL FIBRE - Yes
*PILE - High Pile
*PILE HEIGHT - 0.75 Inches
*BACK MATERIAL - Cotton
*USAGE - Indoor
*DURABLE - Yes
*ANTI-SKID - Yes
*Order Handling Time - 2 Business days
*Washable - No
*RUG PAD NEEEDED - No
*ITEM CONDITION - New
*REVERSIBLE - No
*[WEAVE / CONSTRUCTION] Woven area rugs frequently hold cultural and historical importance, featuring traditional patterns and techniques handed down through generations. Woven area rug weaving is a complex and traditional method used to produce durable and decorative area rugs. This process involves intertwining warp and weft threads to create a flat and sturdy textile.
*[MATERIAL] Jute is one of the most affordable natural & eco-friendly fibers in existence and also used for weaving area rugs. The jute material is strong enough to tolerate the large footfall without much cleaning on daily basis and can be used both indoor and outdoor. The cost of such area rugs is reasonable.
*[PATTERN] This oriental jute area rugs with traditional design enhances the elegance of your living space and beautifully complement a variety of home décor styles.
*[ECO-FRIENDLY] By selecting this handmade area rug, woven with eco-friendly natural fibers and crafted without the use of harmful chemicals, you demonstrate your commitment to a healthier environment and your support for traditional craftsmanship. Additionally, using jute as a raw material makes the area rug more eco-friendly and conducive to nature.
*[DURABLE & EASY CARE] Crafted with meticulous precision and using top-quality materials, these area rugs boast unparalleled durability, making them suitable for high-traffic areas while providing exceptional underfoot comfort. Moreover, they require minimal maintenance, needing only occasional vacuuming to keep them looking their best.
*[USAGE AREA] Area rugs are versatile decor elements that can elevate the ambiance and functionality of any room in your home. From the living room to the bedroom, and even outdoor spaces, study rooms, runway, dining room and office room here's how you can make the most of area rugs throughout your home.
*[SERVICES] Free Shipping | Quick Order Dispatch | Easy Return | Accessible Customer Support - With quality product we deliver exceptional services to customers.
*[BRAND] RUGSOTIC CARPETS is a name synonymous with quality area rugs, rooted in decades of manufacturing expertise. Our commitment to excellence extends beyond product quality to supporting thousands of skilled weavers and artisans. We prioritize environmental friendliness and climate sustainability in our weaving processes, while also fostering the continuous skill development of our weavers through training initiatives. From spinning and dyeing yarn with natural ingredients in our in-house units to the meticulous weaving of our area rugs, quality checks at every stage ensure the delivery of products that uphold high moral values and exceed customer expectations.
*[SHAPE & SIZE] This Round area rug is of 4'x4' size. Ensure that the area rug is the appropriate size and shape for the space, considering the furniture arrangement and the room's dimensions.I
*[SHIPPING & RETURN POLICY] Free shipping across USA (except Puerto Rico, Alaska & Hawaii). Easy 30 days free returns. In case of damaged or wrong product delivered, the return shipment cost will be borne by us, in any other case, it will be paid by the customer.
*[WEAVE DESCRIPTION] Woven rugs often carry significant cultural and historical value, showcasing traditional patterns and techniques that have been passed down through generations. These area rugs are not just decorative pieces but are also embodiments of heritage and craftsmanship. The art of weaving them is a detailed and time-honored method that requires skill and precision to produce area rugs that are both durable and aesthetically pleasing. This intricate process involves the careful interlacing of warp and weft threads on a loom to create a flat and sturdy textile. The durability of these area rugs ensures they can withstand heavy use, making them practical as well as beautiful additions to any space.
*[MATERIAL DESCRIPTION] Jute is one of the most affordable and eco-friendly natural fibers available, commonly used for weaving area rugs. This material is exceptionally strong and durable, capable of withstanding heavy foot traffic with minimal daily cleaning, making it suitable for both indoor and outdoor use. Additionally, the cost of jute area rugs is quite reasonable, making them an economical choice for consumers seeking sustainable and practical flooring solutions. The use of jute as a raw material not only enhances the rug's durability but also contributes to environmental sustainability, as jute is biodegradable and renewable
*[PROPER SET UP & CARE] The area rug is weaved by the expert artisans with high density for its unmatched durability. It can be placed on high traffic areas with proper care. It can be installed over any kind of surface and creases can be removed just by rolling up the rug in reverse order.
*[FLOOR PROTECTION] For floor protection, this area rug can be used with pads that keep the safety of the floor intact. Be it the stone flooring, wooden or tile flooring, the rug pads will be the best for protection.
*[CLEANING METHODS] To effectively remove dust from jute area rugs, the vacuum cleaning method is recommended. However, for stains or heavy dust accumulation, a gentle wash can be employed to restore the rug's cleanliness. After washing, it's important to ensure thorough drying of the area rug, preferably under sunlight, as this helps it regain its natural sheen and freshness.
Find the right local pro for your project

A small pinhole in the coupling of the hot water supply line from the Hot Water Heater developed and began leaking and spraying hot steamy mist. Because of its location in the seldom used Finished Full Basement, it initially went unnoticed.
By the time the homeowners noticed the leaking water, the moisture content in the ceiling sheetrock and well down the walls read 100%. The moist, warm environment proved to be ideal for colonies of mold spores to spread throughout the basement, aided by the HVAC systems return and supply lines circulating the mold spores. It didn’t take long before mold patches eventually covered all of the exposed materials and surfaces, furniture included.
The homeowners’ had protection from their insurance policy and were able to have repairs done after this unfortunate disaster.
Construction ensued. The ceiling, floors, and all of the interior and exterior walls were stripped down to the wood framing and masonry and disposed of. The 1st and 2nd Floor HVAC Ductwork was removed, and the entire existing Full Bath was gutted.
The remodeling included increasing the size of the full bath and removing the shower/tub as well as installing a large and comfortable tile shower. We added a small towel closet, and a separate entry into the adjoining room, which would now be reconfigured into a bedroom. A new EPA Water Sense-rated commode, a vanity cabinet with a natural granite countertop and an under-mount sink, a wall-hung mirror, and new sconce lights rounded out the update.
We turned the adjoining room next to the full bath into a bedroom. We added generous closet storage space and new lighting.
We finally turned our attention to the old kitchenette / wet bar. We took away some of the footprint to add to the full bath and designed an efficient and handsome wet bar / kitchenette.
Porcelain tile, no VOC interior paints, a complete replacement of the basement and 1st Floor HVAC ducting, air handler equipment cleaning, and green-certified carpet and pad combined to create a healthy and light-filled living environment.

We've taken the root of upcycled teak trees and turned them into our rustic and stately live edge Bundar Accent Tables.
Solid, sturdy and enduring, they're perfect in pairs, and feel most at home when showcased in a room.
This signature product line brings the beauty of responsibly sourced, live-edge wood furniture to your customers at a great price point
Indonesian Teak made from upcycled wood is a dramatic statement piece
Each piece is unique and will vary in shape and size
A clear teak oil - available at your local hardware store - can be applied to help enhance the natural lustre of the wood
Do not place these products directly onto carpet or wood flooring.
Use a protective pad to keep your rug or floors safe from transfer.
Please use tip kits with this product at all times, especially if you have small children
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We are closed Dec 22 - 27th, 2023 and January 1, 2024. Our office and showroom will be open Dec 28-29th, 2023.
Shipping will pause from December 22 for the holiday break and will resume in the New Year.
Reserve stock and place orders on our website 24/27.

For a modern approach to insurance, think Finsol Insurance Brokers in Hawkes Bay. We can handle your insurance in person, over the phone, or via email or Skype. Protect your biggest asset - your health - with a quality health insurance policy. Hawkes Bay based advisers Finsol provide a range of health insurance options. Visit: http://www.finsol.co.nz/

✨ A Love Letter to Nature’s Elegance
Inspired by the calla lily—a symbol of purity and rebirth—this pearl-adorned cuff bracelet is for the free-spirited romantic. Each piece is handcrafted to celebrate life’s meaningful moments, blending organic beauty with timeless artistry.
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? Key Details:
• Materials: Premium gold-plated brass (lead-free, nickel-safe) + natural freshwater pearl.
• Size: Adjustable open
• Design: Delicate calla lily bloom cradling a lustrous pearl, brushed gold finish.
-----------------------------------
? Why You’ll Love It:
✓ Lightweight & comfortable for all-day wear (even over gloves!).
✓ Versatile elegance—dress it up for weddings or down for brunch.
✓ Thoughtfully sized to layer with stackable bangles.
---------------------------------
? Perfect For:
Bridesmaids • Mother’s Day • Anniversary • Self-love treats
Boho brides • Nature lovers • Minimalist jewelry collectors
-----------------------------------
⏳ TURNAROUND & SHIPPING
Handmade with Care • Ready to Ship in 2–3 Business Days
Each Bangle is crafted to order with intention. Once shipped, delivery times vary by location and shipping method.
✈️ Need it Faster?
Message us before ordering for rush processing (additional fee applies).
------------------------------------------
♥ PACKAGING ♥
Your bangle arrives in:
• A sturdy, gift-ready box to protect its energy.
• A handwritten note
? Eco-Conscious: We use recycled/reusable materials whenever possible.
--------------------------------------------
? CARE GUIDE ?
• Clean silver with a soft cloth (avoid chemicals/submerging in water).
• Store in the included pouch to prevent tarnish.
-------------------------------------------
? HASSLE-FREE RETURNS
14-Day Return Policy
If your bangle isn’t a perfect match, return it unworn in original packaging within 14 days for a refund/exchange.
To Initiate a Return:
1️⃣ Contact us within 7 days of delivery.
2️⃣ Ship it back within 14 days.
------------------------------------------
? YOUR SATISFACTION MATTERS
Questions or special requests? We’re here to help!
Thank you for supporting handmade, intentional jewelry.

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Introducing our hand-tufted shag polyester Geometric area rug a luxurious addition to any space, meticulously crafted to elevate your home decor to new heights. Handmade with precision and care, this Geometric area rugs boasts a sumptuously soft shag texture that invites you to sink your toes into its plush depths. In a captivating blend of Black Multicolor hues, this rug effortlessly complements a range of interior styles, adding a touch of modern elegance to your living space. The high-pile construction not only provides a furry look but also ensures exceptional comfort and warmth underfoot. Crafted with polyester fibers, this rug is both affordable and durable, making it a conscientious choice for the budget friendly conscious homeowner. The anti-slip backing ensures stability, offering peace of mind in high-traffic areas.
[FEATURES]
*PATTERN - Geometric
*COLOR - Black Multicolor
*MATERIAL - Polyester
*MATERIAL COMPOSITION - 70% Polyester; 30% Cotton
*CONSTRUCTION - Handmade
*WEAVE - Hand Tufted Shag
*COUNTRY OF ORIGIN - India
*BRAND - RUGSOTIC CARPETS
*MANUFACTURER - GET MY RUGS LLC
*SHIPPING - Free Shipping
*OCCASION - All
*ROOM TYPE - Living Room, Bed Room, Study Room, Guest Room, Kids Room, Office
*CARE INSTRUCTION - Vacuum Cleaning
*ECO-FRIENDLY - Yes
*NATURAL FIBRE - Yes
*PILE - High Pile
*PILE HEIGHT - 0.75 Inches
*BACK MATERIAL - Cotton
*USAGE - Indoor
*DURABLE - Yes
*ANTI-SKID - Yes
*Order Handling Time - 2 Business days
*Washable - No
*RUG PAD NEEEDED - No
*ITEM CONDITION - New
*REVERSIBLE - No
*[WEAVE / CONSTRUCTION] Handmade by adept artisans skilled in the art of rug weaving, who dedicate countless hours to perfecting this artistic area rug. Under this weaving the design is first sketched onto a canvas, and then the material with high pile is meticulously crafted to match the design with furry appearance. These rugs are not only aesthetically pleasing but also soft, providing excellent underfoot comfort.
*[MATERIAL] Polyester, an artificial fabric, is the material of choice for weaving this area rug, gaining significant popularity in the rug-making industry. Polyester area rugs are highly durable and have garnered acceptance for their qualities such as shine, wear and fade resistance, comfort, non-allergenic properties, moisture resistance, ease of cleaning, and moth-proof nature.
*[PATTERN] This modern area rugs with Geometric design elevates the elegance of your living space and complement various home décor styles including transitional, modern, contemporary, and bohemian.
*[ECO-FRIENDLY] By selecting this handmade area rug, which is eco-friendly and crafted without the use of harmful chemicals, you demonstrate your commitment to a healthier environment and your support for traditional craftsmanship.
*[DURABLE & EASY CARE] Crafted with meticulous precision and using top-quality materials, these area rugs boast unparalleled durability, making them suitable for high-traffic areas while providing exceptional underfoot comfort. Moreover, they require minimal maintenance, needing only occasional vacuuming to keep them looking their best.
*[USAGE AREA] Area rugs are versatile decor elements that can elevate the ambiance and functionality of any room in your home. From the living room to the bedroom, and even outdoor spaces, study rooms, runway, dining room and office room here's how you can make the most of area rugs throughout your home.
*[SHAPE & SIZE] This Rectangle area rug is of 8'x10' size. Ensure that the rug is the appropriate size and shape for the space, considering the furniture arrangement and the room's dimensions.
*[SERVICES] Free Shipping | Quick Order Dispatch | Easy Return | Accessible Customer Support - With quality product we deliver exceptional services to customers.
*[BRAND] RUGSOTIC CARPETS is a name synonymous with quality area rugs, rooted in decades of manufacturing expertise. Our commitment to excellence extends beyond product quality to supporting thousands of skilled weavers and artisans. We prioritize environmental friendliness and climate sustainability in our weaving processes, while also fostering the continuous skill development of our weavers through training initiatives. From spinning and dyeing yarn with natural ingredients in our in-house units to the meticulous weaving of our area rugs, quality checks at every stage ensure the delivery of products that uphold high moral values and exceed customer expectations.
* [SHIPPING & RETURN POLICY] Free shipping across USA (except Puerto Rico, Alaska & Hawaii). Easy 30 days free returns. In case of damaged or wrong product delivered, the return shipment cost will be borne by us, in any other case, it will be paid by the customer.
*[WEAVE DESCRIPTION] Weaving of a hand tufted shag rug is relatively easier than compared to other weaving techniques. The design is first sketched on a canvas and then material is made into it as per the design. The pile is kept very high to give it a furry look. Hand tufted rugs are very soft on face and are great for underfoot comfort. The rugs are very eye pleasing and the cost is very economical.
*[MATERIAL DESCRIPTION] Polyester, an artificial fabric, have gained much popularity as rug weaving material. The polyester material rugs are highly sturdy and have gain acceptance due to its qualities like shine, wear & fade resistance, comfort, non-allergenic, moisture resistance, ease of cleaning, moth-proof, etc.
*[PILE DESCRIPTION] Enjoy the high pile of this rug and place it at high footfall areas in your home, providing great underfoot comfort. This high pile rug is ideal one for the buyers who wants to place it on the flooring for the soft and cozy feel.
*[PROPER SET UP & CARE] Hand Tufted rugs are heavy rugs and fits well with any kind of flooring. Unlike rugs of other weave the hand tufted rugs have a cotton backing which makes it anti-skid. With regular use and proper care, including avoiding damp conditions, ensure that hand-tufted rugs maintain their durability and longevity.
*[FLOOR PROTECTION] Though hand tufted rugs have cotton backing which makes it anti-skid and harmless to the floor but you can always use a high quality rug pad to provide an extra level for floor protection.
*[CLEANING METHODS] For hand tufted shag rugs we recommend to go for gentle vacuum cleaning. For any stain, the users can opt for professional dry cleaning method.
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