An Architect Explains The Pros And Cons Of Different Roofs

Homeowners have a variety of roofing materials that an architect can incorporate into the building design. Depending upon use and preferred style of construction, material choices can range from centuries-old grass thatch to modern uses of plastic and fiberglass. A local architect will present available roof types to clients and explain the pros and cons of each. Below are a few of the options people can choose from.

Composition Shingles

Composition shingles are a popular choice and are used on a variety of projects from historic renovations to contemporary new construction. An architect would recommend this choice because it is inexpensive, has a wide selection of colors, is available from many suppliers, has a good fire rating, easy to repair, and is an appropriate choice for almost every type of home built.

Natural Wood

Homeowners can also consider using wood shingles and shakes. This type of material is well suited for many types of construction, from renovated historic bungalows and cottages to contemporary styled family homes. This roof type evokes a natural weathered look and provides good insulation value. However, this quality roof is more expensive. It requires a higher degree of maintenance than other roof types. A professional must install a wood shingle or shake roof. This type of roof is subject to rot and splitting and is prone to mold and mildew. Furthermore, the fire rating on wood shingles is poor therefore, this type of roof will cause your insurance rates to go up.

Tile Roofs

Clay and concrete tile roofs are popular choices in warm climates where architects seek to evoke a Spanish, French or Italian Mediterranean look. This roof style also is used to obtain a “Mission-style” appearance. The great advantage using tile roofs is the material is non-combustible, which provides a fireproof building cover that is well accepted by insurance underwriters. There are endless selections of styles and colors. Tile roofs are exceptionally durable and easily maintained.

A disadvantage of using tile roofs is the high expense of installation. The material is heavy and needs special handling when installing. Expect a about a 10% material loss in shipping because the material is fragile. In some areas, tile roofs are popular but can be damaged with heavy snow; this should be considered as the installation and repair costs will be higher. In addition, because tile roofs weigh more, the structural requirements are increased.

A roof is a very important and expensive part of any home and needs to be constructed correctly. A simple roofing job might turn into a nightmare, which is why it is vital for homeowners to talk to a local architect regarding the various pros and cons of the different roofs available and what will help you meet your budget.

Get Financial Security In Old Age Through Nevada Reverse Mortgage

Owning a house is often one of the most prized possessions for any individual, as it is much more than simply a roof over your head. It is a secure haven for you and your loved ones and when the need arises it can also act as one of the bets investments that you have made during your active, service life. Most of the other investments of an individual are usually locked away in various funds that are generally on a long term basis. In times of financial emergency, it may therefore, be a big hassle if you require instant funds and cannot encash your long term investments for instant liquidity. A house can then be your biggest asset, which can easily secure a decent amount of loan for you at whatever time you need it. So, if you are sixty five years of age or above, are retired and living in Nevada in a house of your own, then the Nevada reverse mortgage is the most feasible option to ensure financial security for yourself.

The Nevada reverse mortgage option has been steadily increasing in popularity due to the multiple advantages which it offers to any senior, retired house owner residing in Nevada. One of the major advantages of opting for a Nevada reverse mortgage is that the house ownership remains with the original owner, who is the borrower and hence he can continue to use the property as his primary residence for as long as he desires. Also, the loan amount of the reverse mortgage need not be repaid by the borrower for as long as he is residing on the mortgaged property as the house itself is the collateral for the loan and the amount will be repaid in full by the house itself. The lender will recover his loan amount form the sale of the house once the borrower expires or decides to sell off the house and move on, so there is no financial constraint on the borrower of a reverse mortgage loan.

The burden of the Nevada reverse mortgage loan does not pass on to the heir of the borrower for the same reason, which is that the house itself will pay off the loan through the sale proceeds itself. The borrower of the loan only needs to pay the regular costs and charges for the house which would be the house tax and the cost of repair and maintenance. Also, the borrower could opt for a lump sum payment of the loan amount or maybe get the loan money in monthly installments. Many retired citizens prefer the installment mode of payment as it implies that there is a regular inflow of cash into the household even after retirement.

So, if you are an individual, who has enjoyed an independent financial existence during your entire work life, you would not like to ask any family member or friend for any financial help post retirement. In these circumstances the Nevada reverse mortgage is the most feasible option for you to get easy and convenient financial security and assurance of a roof over your head for as long as you live.