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Show ? 5B HffrtrA fnllirlQ nMMW THE GREEN SHEET Important Facts overwhelm you, take heart. A new booklet -p- ublished as a public service by the American Arch- value is the price the home would .ell for, and could be more or less than the replacement cost. For example, if the cost of rebuilding the Conners' home was $100,000, to qualify for replacement cost coverage on its contents, they would have to insure their home for $80,000 (80 percent of $100,000). 36-pa- Sarah and Mike Connor were thrilled about purchasing their first home. Amid their celebration, however, was some serious thinking about how they would protect their purchase. For millions of Americans, a home represents the largest single investment theyll ever make. That makes buying adequate insurance coverage an important follow-u- p step. When shopping for their insurance, the Connors found that most home insurance policies provide replacement cost coverage for the dwelling. When insuring their personal property the Connors quickly became acquainted with the two major types of property coverage: Actual cash value (ACV) and replacement cost. The differences between the two coverages are very important. Simply stated, ACV insurance, when purchased, covers the contents of a home for its original worth less a deduction for depreciation (wear and tear, age, etc .. .). In other words, a company would pay the cash amount insured property is worth at the time of loss. itectural Manufacturers Association (AAMA) provides simple, yet comprehensive information to help consumers s.eierf install and maintain their win dows. The AAMA label on a window or patio door indicates the product has been tested to meet industry standards for structural strength, weatherability and ability to resist water and air leakage. Some products also bear a thermal tested label that shows their thermal performance rating and their ability to resist condensation. The booklet describes how tc select the proper window style for your home, and the ways in which windows can to save energy. It also compares the different types of frame materials aluminum, vinyl and wood. Sliding glass doors, and insulatingstorm windows and doors are also covered in detail. For a copy of Windows, send $2.00 to: AAMA, 2700 River Rd., Dept. RSPR, Des Plaines, IL 60018. DECISION . . . Whirlpool or Spa? Which Is right for you? Many things must be considered - number of people involved, space, needs, etc. There are key differences. Whirlpool Or Spa: Right Choice Alta Painting The Small Company. When today's homeowners wish to add a little luxury to their baths, their thoughts frequently turn to whirlpools or spas. They may envision long, private soaks, or perhaps the camaraderie of friends or, maybe, the benefits of soothing hydrotherapy. Very likely, they view the spa and the whirlpool as one and the same thing. But there are key differences that prospective buyers should be aware of before they make a purchase, according to Kohler Companys Joe Roark, product manager. Spas, and Linda Mayer, senior product manager. Fixtures. Both spas and whirlpools provide whirlpool jet water action, so the homeowners decision about which product to buy should be based on such considerations as space and portability, as well as how the unit will be used and by whom. The primary difference between a spa and a whirlpool is that a whirlpool is filled and drained for each bathing use, while a spa heats, filters and recirculates the same, chemically-treate- d water for a period of two to three months. Whirlpools are designed for one or two bathers, and can be used for everyday cleansing with soap and shampoo. Because a whirlpool is a permanent installation, it is built into an enclosure or tiled into a tub surround and it requires installation of water lines, a faucet and a drain, Mayer said. Mayer also noted that choice of a particular whirlpool model may be dictated by space considerations, especially if the unit is to be installed as part of a remodeling project. However, she said, in many cases, a whirlpool can be installed in the space of a standard five-fobath, so it is possible to upgrade a bathroom without major alterations to room size. Depending on how the whirlpool is to be used, a prospective buyer needs to consider whether one or two people generally will use it, and whether a unit shaped along body contours would add to personal bathing comfort. A whirlpool offers the consumer the flexibility of a bathing product, doubling as a bath and leisure center, Mayer said. Spas are generally larger than whirlpools and are designed for two or more occupants. A spa can be a practical alternative to a swimming pool if space is at a premium. Roark said. It is with the heater located inside the spa g surround. A cover, placed over the spa when it is not in use, will keep the water warm and clean. Spas are available in both inground and portable models, but the portable ones are the most popular because they are less expensive to set up and can be ready for use within a relatively short time of delivery, Roark said. al Big On Quality Cell Steve Feld at 5711752 for a prompt estimate. CEDAR FENCE SALE thermo-insulatin- 4x4x8' 4x4-- 41.V.69' 2... 95' RAILS 8' 1 CEDAR. $4 $2" 2 8' $1 POST MIX Dont wait until fall to seal cracks with caulk. Keep the cool air inside your home and repair winter damage by sealing cracks and crevices now. Warm, dry weather is the best time to seal your home with caulk. Caulking also helps to keep bugs, rain and dirt outside. Simple, economical sealing and caulking at the first signs of damage can help head off extensive, expensive repair jobs. Potential trouble spots CUSTOM CUTTING & SHOP WORK W DaKnf m-m- i dJlfMt A BUILDERS MARI 335S I A portable spa can be moved outside or indoors at the users preference, because it does not require special Wait 3500 South n G ranger Here is a list of 10 potential trouble spots provide by the Elmers people, who make a series of caulks and sealants for different household jobs: Shingles or nails on the roof that may have worked loose; Cracks in chimney masonry; Loose flashing on chimneys and other roof joints; Leaky gutter and downspout seams; Caulking around windows, doors and attic ventilation outlets; Glazing compound around window panes; & Aerating Power Raking Special AERATING Up to $on Aw 3,000 sq. ft. POWER RAKING (2 YARD 1 1 $35 FULL SERVICE PLAN Coll: Steve Moore Free Estimates 20 starts at ECONOMY PLAN CAR! 328-9- plans to choose from) No Obligation Weekly Lawn Mowing Service Available 5 TRIPOLYISIER FOAM INSULATION (No Formaldehyde) SPRING DISCOUNT ANY CAVITY CAN BE IHSUO.ATG0: Even brick and block (our specialty) also do conventional insulating of attics, flat roofs and crawl spaces. CALL- - RESIDENTIAL 268 - 4579 ' FREE ESTIMATES Among the options the prospective spa buyer should consider is an overflow system which prevents water in the spa from overflowing when someone steps into it; other important considerations are the size of the unit and the type of seating preferred. Roark pointed out that an overflow prevention system saves money because it prevents the loss of heated water from the spa. And, as for seating, if the unit will be used primarily for hydrotherapy, lounge-typ- e seating might be preferable to other seating options. And what about the hot tub?" Strictly speaking, a hot tub" is a large wooden tub, capable of seating several people. It has a heater to maintain constant water temperature. Originally made from halves of California wine casks, the hot tub was a forerunner to todays spas. Relatively few true hot tubs are being manufactured today. r" AS? Vacuum Mil $29 home-owne- rs I I DL0SCII SALES CO. 'Wharf a aitk, or sersfeb eta sav you money." ? fit sid- ASK ' 5044 to 60 40 0-- 4; Srt.. 0-- 5 - 361-743- 2 ON YOUR BLOCK a Beautiful And Distinctive Landscape To Have The product is available in brown, woodtone, redwood, gray and clear, or choose white and paint it to match your surface 30 minutes after application. This type of caulk resists moisture, mildew, cold air and dust, and is nonflammable and In addition to a wide selection of popular plants, we offer hardy and & Shrubs unusual Trees, Evergreens, not available at many Salt Lake Valley nurseries. Our large .volume at 2 locations allows for fresh, quality plants, all non-toxi- c. Upgrade Your Outdoor Furniture season long. For that "Show Place" spot in the yard, or limited planting area, let our experienced staff at Glover Nursery assist you. Your picnic table set or outdoor furni- This prolongs the life of the finish, and helps guard the wood against color fading and deterioration. Chairs, tables and trim as well as natural or stained garage and outside doors also take a beating from the penetrating ultraviolet rays of the sun. During the spring and summer, especially, this UV exposure can work quickly to fade the original luster and color of the wood. You can save yourself regular aggravation by applying a specially formufinish such as Fabulon lated Sun Bounce, which is warranted to last for five years under the brightest and harshest of conditions. The attention and protection you give your outdoor furniture and other exterior woods will keep your patio area aesthetically pleasing and functional for years to come. And it will be a lot more satisfying than few years spending time and money every replacing or renovating tumiture you grew fond of but neglected to care for. 1 TUBS WITH BE THE FIRST Color options ture doesnt have to be built of redwood to give your patio area a touch of class. This spring, plan on giving those pieces made of less expensive wood a coat or two of a clear protective finish which will not only bring out the warmth and beauty of natural or stained wood but also repel abuse by the elements. Here are a few tips on how to make this exterior furniture look great and last for years. First, when you purchase a piece of unfinished wood furniture, let it weather in order to open the grain and remove chemicals that can cause unwanted darkening. Once the wood has weathered to the desired tone, however, it is important to protect it from rain, dirt and whatever else the four seasons might throw at it. Apply a quality coating like Fabulon marine spar varnish which provides a film that doesnt crack when wood contracts or expands under different weather conditions. AIOUT THIS MONTH'S SPECIAL ON MINI SPA SAVINGS FROM S. SMI St. M'S, Spaces around foundation flashing and outside faucets; Cracks in foundations, patios and porches, steps, walkways and driveways; Spaces under wooden porch columns where water can collect and cause rot. Roof inspections and repairs require caution; always be sure any slanted roofwalking devices are secure before putting your full weight on them. Use a good, general purpose indoor outdoor caulk such as Elmer's siliconized acrylic latex caulk for sealing wood, aluminum, cement, brick, plaster and stucco. V home, the Connors would receive - rf ' fire .hould cause Interior Doors, Exterior Doors, Prehung Doors, Oak Cabinet Doors, and Drawer Fronts, Oak Vanity Cabinets with Marble or Onyx Tops. Name Brand Vinyl Floor Coverings. fix-u- p We COMMERCIAL ing; M 4., ts Jv yA V bl1 Loose nails or other damage a 262-668- It is simply a matter of filling the spa with a garden hose, plugging in the heater and enjoying a leisurely soak. Because a spa is designed for relaxation and hydrotherapy, soap and shampoo should not be used in it. CONTROL BLACK SPOT ON QUAKING ASPEN forti-lon- days. Apply every until trees are fully leafed. CRABGRASS CONTROL AND WEED PREVENTER Covers fertiTome. with IYm'iTIM FUNGICIDE Highest "R" Value For All Existing Walls 20 4) Therefore, if $10,000 damage to the kitchen of their $10,000. less their deductible, to cover the necessary repairs. It the Connors had decided to insure tor less than the required 80 percent, they would collect a les.Ner percentage of the $10,000 loss, depending on how tar below the 80 percent level they chose to insure. Consumers should shop around for the coverage that fits their needs, and periodically check with their insurance company to make sure their home coverage is As rebuilding costs increase, insurance coverage also must rise. For additional intormation, consumers are encouraged to call their insurance For example, if the Connors puragents, brokers or company representachased a sofa for $1,000 five years ago, it tives. The Insurance Information Instimight be worth only $500 today because tute offers a free titled "Home of depreciation. If the sofa were de- Insurance Basics."pamphlet To order, consumers actual cash stroyed by fire, $500 (the can call, toll free, value) is what the insurance company would pay under ACV coverage. However, the Connors probably couldnt IF YOU dont use it Sell it with a buy the same sofa for only $500 today, Classified ad. Call 2 to place because inflation may have increased the ad. your price to as much as $1,500. For homeowners, the alternative to COUPON ACV is replacement cost insurance. This 1 the of cost replaccoverage usually pays ing property at todays prices without a deduction for depreciation. In other words, the Connors might re1 ceive $1,500, or an amount necessary to OVERSTOCKED the sofa a with unit of replace destroyed Used Guaranteed the same type and quality. VACUUMS To obtain replacement cost coverage end for the contents of their home, the Conup nors should know that insurance comHoover Pansonics panies generally require homeowners to Eureka Kenmore carry an amount of insurance that is at least 80 percent of the full replacement Kirby starting at 1 25 value of the home. This enables We Clean A Sarvice AH Makes to collect the full replacement cost of any partial loss. Vacuum A Sewing Machine To understand how much insurance A Sharpen Scissors they need, the Connors should determine the cost of rebuilding their home from 4081 W. S415 So. KEARNS scratch. 966-141- 6 This should not be confused with the COUPON COUPOjJ market value of the home. The market Keep Cool With Caulk: Spring Is The Time To Repair Winter Damage. u, 2x4-- 7, 19SS Consider Replacement Costs If the great multitude of window brands, framing materials and styles SLATS Anri! Buying Homeowner Insurance? WIIVIO 1x4-- 6' Thiirriu( 5,000 sq. ft. Glover Nursery 4 step Lawn Program. Step 1 10-1- 4 TREE BORERS ARE ACTIVE! If you have a problem with borers on trees, or suspect borers use ferti - lome. 2 LOCATIONS TO SERVE J0U lump |