Buying an EIFS home

Buying an EIFS home

Buying an EIFS home; what to look for

When buying an EIFS home you can real hit a home run if you know what you are looking for. I don’t think it is any secret that the EIFS (Exterior Insulation and Finish System) industry has an applicator problem, and that cannot be good. I think most professionals, if not all, would agree that the Exterior Insulation and Finish System product is a very good one, and when applied correctly is an excellent product (The Department of Energy’s testing by Oak Ridge National Laboratory concluded that Exterior insulation and Finish System out preforms brick, stucco, concrete block and cementitious fiber board siding). The question is how can you tell, when buying a Synthetic Stucco home, that the cladding was done correctly. Actually, for the trained eye it is a pretty simple process. There are a few basic things to look for. One of the most important things to look for is kick out flashing. If the house has kick out flashing that Buying a EIFS homeis a real good sign. The second thing to look for is the termination at the grade. The Exterior Insulation and Finish System should be at least 6 inches above grade. If the bottom of the Synthetic Stucco has a weep track then you know the home has a Water Management System. These two things are key to a good job, and when buying a Synthetic Stucco home they are the most important things to look for. The third thing to look for will really tell you that you have a winner, and that is around the windows and doors. The windows and doors should have an expansion joint around them, and the joint should be caulked. That caulk will fail one day, and has to be maintained, but we know that, and that is not really what we are looking for, what we are looking for, is if the Base Coat material goes back to the substrate in the expansion joint. If the material goes back all the way to the substrate, then when that caulk fails, there will not be exposed foam for water to soak into. You can be pretty confident when buying a EIFS home that you have a winner if the windows and doors are done this way.

One of the major things you want to make sure of is that the home has a moisture barrier like tyvek, tar paper, or a painted on barrier. Without a moisture barrier if the system fails it will rot the substrate. This can be very devastating if the substrate is wood. Unfortunately, the only way to know if there is a moisture barrier behind the system is to cut a hole in the system, and take a look. The reason this is so important is that if there is a moisture barrier the only damage will be to the Synthetic Stucco, and not to the substrate, so you will know what you are getting into for repairs, and not have major surprises trying to replace the substrate, and even the structure itself.

In closing, with an educated buyer the product can be a very attractive investment. If you can find an Exterior Insulation and Finish System home that was built by a high quality contractor that knew what they were doing, and did not cut any corners, you can buy a really great home for a steal of a deal. The problems in the residential Synthetic Stucco industry have lowered the prices of these homes, and for the ones that were done correctly they are very much worth the investment.

buying an eifs home

Exterior Insulation and Finish System also known as Synthetic Stucco or Dryvit ®

Buying a EIFS home – EIFS Repair – Synthetic Stucco

How to get Homeowners Insurance for your EIFS home

How to get Homeowners Insurance for your EIFS home

Don’t worry we will show you how to get homeowners insurance for your EIFS home

First of all, don’t listen to all those naysayers out there that are trying to tell you, you can’t get homeowners insurance on your home. The fact is EIFS is a very good product and is on nearly one in three commercial buildings in this country. The folks here at EIFS Repair started getting calls from homeowners that were having problems with this, so we did some research, got on the phones, and this is how to get homeowners insurance for your EIFS home.

Before you buy, you are going to want to invest in an EIFS inspection. This is not done by just any inspector, but by a specially trained EIFS inspector.  Typically this inspection is going to include some sort of moisture testing. Actually, you are going to want to make sure of it. A visual inspection is not enough, you are going to want some numbers and to see where the moisture levels read high, and what percentage of moisture is behind your EIFS if any at all. The thing about the moisture testing is that a lot of the EIFS inspectors use a probed moisture tester, which means the inspector will be drilling a bunch of small holes through your EIFS. These holes must be repaired properly, so that down the road you are not getting moisture from the EIFS inspection itself. There are a few quality moisture testers out now that are prob-less you may want to request this testing devise.  A typical EIFS inspection will cost any where from $500.00 to $1,200.00 depending on where you are located in the country. Another good alternative to the moisture meter testing is to use Thermal Imaging for the test. The Thermal Imaging typically cost a few hundred dollars  more, but is a very good alternative, as it gives you a picture of the troublesome areas for you to look at.

After you have your EIFS inspection complete you will know exactly what repairs need to be done if any, and a you now can call in an EIFS Repair guy to give you an estimate on the repairs. When the EIFS applicator gives you his bid it is a good idea to get him to submit a yearly maintenance schedule for him to come, and do a visual inspection of the caulk and EIFS.  The insurance companies will like to see this.

Now that that the house has passed an EIFS inspection you only need to call the insurance company and get homeowners insurance for your home. Call your insurance company,, and explain what you have done. If they are an insurance company that has a strick policy, and will not cover your home try these insurance companies.

Advanced Insurance of Boca Raton
21845 Powerline Rd, #205
Boca Raton, FL 33433
Contact: Chuck Hemphill
Chemphill@advancedins.com
(954) 416-9698
All Risks Ltd
11911 NE 1st St, Suite B-205
Bellevue, WA 98005
Contact: Corky Weber
CWEBER@allrisks.com
(425) 372-0038
Alternative Risk Company
PO Box A
Independence, MO 64051
Contact: Chad Brown
cbrown@alternativeriskco.com
(888) 474-1217
BB&T-John Burnham Insurance
750 B Street, Suite 2400
San Diego, CA 92101
Contact: Geoffrey Shelton
gshelton@bbandt.com
(619) 525-2883
Bouchard Insurance
101 Starcrest Dr
Clearwater, FL 33765
Contact: Ileane Altamura
ileanealtamura@bouchardinsurance.com
(727) 373-2712
Brower Insurance
(all states except Hawaii and Alaska)
409 E. Monument Ave., Ste. 400
Dayton, OH 45402
Contact: Jeff Lightner, CIC, CRIS
jlightner@browerinsurance.com
(937) 285-8203
Brown & Brown Insurance of Florida
1201 W. Cypress Creek Rd
Ft. Lauderdale, FL 33309
Contact: Andrew Noye
anoye@bbftlaud.com
(954) 331-1319
Brown & Brown Insurance
1145 Broadway Plaza #700
Tacoma, WA 98402
Contact: Bryan J. Dunn
bdunn@eifsinsure.com
(253) 335-2427
CRC Insurance Services
One Metroplex Drive, Suite 400
Trussville, AL 35173
Contact: Sherry Curtis
scurtis@crcins.com
800-824-1709

More coming soon ….

How to get Homeowners Insurance for your EIFS home
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The new EIFS Water Prevention System ‘ The Turcotte System

How to get Homeowners Insurance for your EIFS home

EIFS out preforms brick, stucco, concrete block and cementitious fiber board siding

EIFS out preforms brick, stucco, concrete block and cementitious fiber board siding

The Hygrothermal Performance of Exterior Wall Systems: Key Points of the Oak
Ridge National Laboratory NET Facilities Research Project

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