Daily Archives: September 4, 2011

Pound Ridge Homes | Why Renter’s Insurance is Important

We’ve all heard about the recent devastation caused by earthquakes, tornadoes, floods, hurricanes and fires that have swept the nation coast-to-coast.  Forces of nature are not to be reckoned with and as a tenant, you should be proactive in protecting yourself financially in the off-chance you drastically lose the contents and personal belongings that make your day-to-day life happen.

Often, tenants have a false sense of security thinking that they will automatically be covered if something were to happen to the home they are renting from a landlord or property manager.  It is not uncommon that lease agreements are written with the standard verbiage of something along the lines of “tenant shall hold the landlord/property manager harmless from any and all liability.” In layman’s terms, the landlord/property manager insurance policy covers the structure only, not the tenant’s personal contents.

No doubt insurance premiums can seem costly or a hassle, but imagine having to replace all of your belongings because a hurricane devastated your town last week.  The expense and inconvenience of replacing all of your clothes, jewelry, food, furniture, TV, computers, your smartphone, and all of the supplies it takes just to live each day will sky rocket if you do not have renters insurance.  You could find yourself spending upwards of $50,000-plus to replace everything plus finding a new rental.

Other considerations for obtaining a tenant insurance policy should be for issues related to vandalism or theft, liability reasons (example: slips and falls), or property defects causing destruction of personal property.  In the case of a property defect, it is typical that the landlord’s insurance policy will cover the structure only, so if the roof on your home leaks, the landlord will usually repair or replace the roof.  However, if the roof leaks down on your computer and ruins your expensive equipment, the landlord’s policy will typically only cover the roof, not your personal property because that would be covered by your renter’s insurance policy.

Renter’s or tenant’s Insurance is actually pretty inexpensive in the grand scheme of things.  You can usually obtain a policy for somewhere in the ballpark of $20 bucks a month and you can often receive a discount if you lump it together with your auto insurance policy.  As a landlord, I highly encourage my tenants to talk with an insurance agent about a renter’s policy.  It is a wise move that will pay off for you, in the rare event you find yourself in a dire situation.

Jessica Hickok is a REALTOR® Broker and Property Manager/Landlord with Dizmang Properties, Inc. (www.getpaul.com) in Springfield, Missouri. She can also be found on Twitter as @SugarCube.

Chappaqua Homes | Are You a DINK? Here Are Some Real Estate Tips

Are you a DINK? Don’t take offense — it only means “Dual-Income-No-Kids.” But if you are a DINK, chances are you will eventually become a DEWK (Dually Employed With Kids), so you should take the future into account when purchasing a home.

One of the biggest things is how long you’ll be living there. If you aren’t going to live in your home for more than five years, you are probably better off in a rental. But, if you plan on holding onto your real estate for the long-term, you have a better chance of recouping on your investment.

While you should be concerned about finding a home you love, you should primarily be looking for a home for sale that will ideally work for you in the long run because nothing’s worse than home buyer’s regrets.

Here are some questions to ask yourself:

1. Children — Are you planning on having children? If there’s a remote chance that you will have kids in the next five to 10 years, you should think about how that could impact what you buy — especially in this slowed-down real estate market. While the one-bedroom condo close to the action is fabulous for you now, how will that space work when you’re a parent?

2. Schools — Since you’re a DINK, you don’t have kids. But, smart home shoppers look at the surrounding school district when buying a home because a good school district means good home values. Even if you aren’t planning on having kids, when you eventually sell, your potential home buyers may very well be.

3. Location. While a DINK in their late ’20s may not mind or perhaps enjoy a home only a block up from the local watering holes, it may not be as appealing 10 years later — or as easy to sell. If you’re curious about the home’s neighborhood, check out crime maps, local home values and Zillow’s local data pages.

4. Job. It may be great if the home you’re considering is a block away from your current job, but nothing is certain. What about your future job? Consider a home in a more central location in the chance you switch careers.

 

 

Armonk Homes | Latest News from the Town of North Castle

header

 

  Saturday Update about the

Effects of Hurricane Irene in North Castle 

 

As of early this morning we were down to 29 residences without power.  These outages were spread throughout Town.  I have been working with Con Edison this morning to isolate and correct the problems so that power can be restored to these residents.

 

Now that Con Edison has repaired most of the damaged wires, Verizon and Cablevision have started working in all areas of North Castle.  If you have service issues, please refer to the customer support contact information on your bill for the appropriate service provider number.

 

Con Edison told me yesterday that they will be working in North Castle for the next several weeks to make certain that all prescribed operational standards are met including lifting low hanging wires.  

 

An important reminder:  call 1-800-75-CONED to report a power outage especially if your neighbor has power and you don’t.  The issue might be your service connection.  If unreported, Con Edison will not know about single house issues.

 

If you suspect there is damage to the electric service connections to your home, please call your electrician to make sure the wires from the street to your home are in working order.  If the service connection has been pulled from the house, your electrician will need to repair that connection.

 

I have made arrangements with Suburban Carting for three containers to be left behind Town Hall next to the Highway Department.  Place your spoiled food and recyclables in the appropriately marked container.  Please read the labels. The containers will be there through Monday.

 

All of us are most appreciative to the volunteers and Town employees who have worked long hours to help in every way possible to get the power restored.  Highway crews began picking up brush, but please be patient.  Clearing the debris will not be an overnight process.

 

 

Our website lists support services and resources.

 

Sincerely,

 

William R. Weaver, Supervisor

 

 

 

Town of North Castle
15 Bedford Road
Armonk, New York 10504

Bedford Hills Homes | State, Federal Officials Clamoring for Dollars to Clean Up Irene Aftermath – Bedford-Katonah, NY Patch

Irene’s wrath spared few throughout the state, from the eastern end of Long Island to the upper reaches of the Adirondacks.

While the lower Hudson Valley saw its share of flooding, power outages and downed trees, the area was fortunately saved from the complete devastation seen in the Catskill Mountains of Greene County, the Mohawk Valley west of Albany and the tiny, tight-knit towns south of the Canadian border.

But communities in Westchester, Rockland and Putnam still have plenty of work ahead of them as dozens of homes, businesses and roads were wrecked, some beyond repair. Compounding the problem is the already dire fiscal straits entangling local governments throughout the region. With state and federal agencies also feeling the crunch of the recession, paying for the cleanup is shaping up to be a tall order.

The damage spurred President Barack Obama to declare Westchester and Rockland federal disaster areas, which will allow them to receive expedited relief. In addition to counties and towns receiving money, individual homeowners will also be eligible to receive grants if their insurance doesn’t cover all of the damage. An additional program provides funding for future flood-mitigation projects.

“Having toured the entire district, it is painfully obvious that our families and businesses need access to all of these assistance programs,” said Sen. David Carlucci (D-Clarkstown), whose district includes all of Rockland and parts of Orange County.

Carlucci was one of a number of local politicians, including Gov. Andrew Cuomo, who appealed to the White House last week for relief. Director of State Operations Howard Glaser said federal agencies would pay for up to 75 percent of the state’s relief efforts.

But the Federal Emergency Management Agency (FEMA) has only about $800 million in its coffers—not even enough to cover the $1 billion in damages Cuomo said were incurred in New York, let alone efforts in states from Virginia to Vermont.

At the same time, Republican leadership in Washington, led by House Majority Leader Eric Cantor (R-Virginia), has said that any money used for hurricane relief must be offset by budget cuts. If the recent showdowns over the federal budget and the debt limit are any indication, the fight to provide relief for communities afflicted by Irene could be a long, dramatic one.

“I simply won’t let politics get in the way of doing the right thing for our families and communities that have been affected by the disaster,” Rep. Nan Hayworth (R-19) said in a statement.

Meanwhile, many officials are looking to address infrastructure issues that leave the region vulnerable to future flooding. Assemblyman George Latimer (D-Rye), whose district includes heavily-flooded Rye and Mamaroneck, said an Irene-like storm will inevitably happen again, and the region should be better prepared.

“We’re not going to be able to eliminate the impacts of flooding completely, but the scope of the flood doesn’t have to be as wide,” Latimer said.

He said he plans to re-introduce a bill that would create a dedicated flood-mitigation fund to finance the cleanup of future floods. Such a fund, he said, would help ease future battles over government spending for relief efforts.

Individual home and business owners should call FEMA directly at (800) 621-3362 in order to apply for federal disaster relief grants.

On a personal note, this will be my last Capitol DisPatch, as I move on to cover state government for Thomson Reuters. It’s been a pleasure delving into some of the most pressing issues facing New Yorkers and lower Hudson Valley residents over the last 30-odd installments of this column. Your feedback helped shape the direction of my reporting, just as it should (and often does) influence the decisions made by our local, state and federal representatives. Thanks for reading! — Dan Wiessner

Katonah Homes | Lawmakers Call for Investigation of NYSEG, Con Ed Response to Outages – Bedford-Katonah, NY Patch

Local lawmakers are responding to complaints from area residents regarding the widespread power outages incurred from Tropical Storm Irene, calling into question the readiness of utility companies to deal with another large-scale disaster.

Sunday marks one week since Irene blasted its way through the Eastern seaboard and into New York, causing fallen trees, several feet of flooding and extensive power outages throughout areas in Westchester, Putnam and Rockland counties. One week later, some residents in those areas are still without electricity.

A representative from New York State Electric & Gas reports that just over 300 homes are without power in their Brewster division and 2,900 customers throughout New York State still remain without power.  

According to Con Edison, of its approximated 187,800 customers in New York City and Westchester County who lost power due to the storm, about 32,400 don’t have electricity restored.  

“We’ve had other storms, but I’ve never seen such slow response times,” said Councilman James Martorano (D-Yorktown).

Martorano and his fellow councilman Nicholas Bianco (R-Patterson) put out a press release Monday calling for an investigation into the readiness of our utility companies and the state of New York’s aging electrical grid.

The crux of the investigation appears to focus on NYSEG, which many believe was slow on the draw when acquiring out-of-state crews to aide in the restoration efforts.

State Sen. Greg Ball (R-Paterson) voiced his discontent, citing a shortage of dry ice for those affected and a lack of accurate and up-to-the-moment communication from the utility company.

NYSEG spokesman Clayton Ellis told Patch that the company has tried its best to keep the public informed.

“NYSEG has provided three to four news releases a day to the media and public officials in the affected areas. We have responded to dozens of media inquiries. We have held daily calls with public officials in the affected areas. We have also kept our website updated with the latest information and that information is also available [at] our call center, where representatives have been answering calls 24 hours a day,” Ellis said in a statement to Patch.

Implementing solutions has proved harder in practice than in theory. The storm affected 129,000 customers in the State of New York—59,000 of which in Westchester, Putnam and Duchess counties. The damage also affected power distribution as it knocked out 19 substations, all of which have been repaired and put back into service. 

NYSEG has also repaired more than 300 broken poles in various parts of the state and restrung more than 3,000 wires that were knocked down during the storm as of 8 a.m. Sunday morning.

“In Brewster alone we had to immediately address nearly 1,200 downed wires incidents to ensure public safety and 150 poles were broken and needed to be replaced, an extremely labor intensive and time consuming job” said Ellis.

Utility companies, including NYSEG had access to the pool of crews that becomes available before the onset of a storm. However, because Irene inflicted damage from the Carolinas through New England, supplemental contractors and line-and-tree crews from other utilities were difficult to secure, according to Ellis. 

Crews who came from as far away as the Midwest were diverted to the Brewster and Oneonta Divisions, where damage was most severe. But lawmakers don’t question the repair work being done by line crews and those on the front lines of the repair efforts. They say the problem comes at the management level.

Mary Beth Murphy, town supervisor of Somers, calls into question the strength of the grid itself saying that it was in a fragile state to begin with. But what appeared to anger Murphy most was the information NYSEG relayed to her.

“We were given information that we shared with our constituents that was false,” Murphy said, recalling the 3 p.m. conference calls reporting repairs throughout the day.

“It should have been at 10 a.m,” Martorano said. “They should have had someone to tell us what was going on. At least Con Ed gave us a liaison that gave us updates much more frequently. But that was after a little bit of poking from us.”

 The utility told Patch that an outage update was provided every 15 minutes on their online outage map.

“It’s no use to have the updates online because if you have no power you can’t run the computer,” said Carmel Town Supervisor Kenny Schmitt.

Ellis did not respond to questions about the criticism from local lawmakers into their response and preparedness.

Ball, however, made clear that Senate hearings would begin in about a month and would include representatives from NYSEG and Con Ed, as well as federal disaster officials and affected families.

“The storm could have been worse,” Ball said. “But the question here is not one of blame. It is about how we can be better prepared to face another storm or manmade event in which destruction like this could cause families to be without power not for days or weeks—but months.”

 

Bedford Homes | Somebody’s Mom Bakes up Biscotti – Bedford-Katonah, NY Patch

This recipe is one of my favorites. It’s a little more work than a regular cookie recipe, but the biscotti are definitely worth it.  

Biscotti are not too sweet— but very tasty— cookies. Unlike the biscotti sold in the coffee shops, these Italian cookies have a softer texture. This recipe will yield a perfect biscotto, toasted on the outside and semi-soft on the inside.

Memories of my grandmother come flooding back to me whenever I make biscotti. I feel very special to have had the opportunity to grow up in a home with a grandmother— my father’s mother lived in our home until I was 15 years old.

There is nothing greater than having your grandmother live with you. Grandma was Italian-American, and she was born in New York City on the lower east side in Little Italy. When she passed away at 90 years old, she still spoke with an Italian accent.

There was a park about five blocks from our house, and Grandma would meet friends there to sit and chat. She brought me along to sing and dance for their entertainment. My Grandma was a tiny little woman compared to everyone else in our house, and she had a tiny room at the end of the hall with her own TV.

She liked to watch soap operas; but at night, if we weren’t allowed to watch our programs on the TV in the living room, we always knew Grandma would let us watch our favorite shows in her room.

Grandma had her wine delivered to our house every week. She drank red wine three times a day. I can still see her at the table with her small glass of wine and her biscotto. She would dunk the biscotto in the wine. This is not something I ever acquired a taste for, but she enjoyed her biscotto that way.

Make some biscotti and give them to your grandmother with a great big hug. While you’re at it, give her a hug from me too!  

Biscotti

  • 3 cups flour
  • 1 cup sugar
  • 1 teaspoon baking powder
  • 2 sticks butter, softened
  • 4 eggs
  • 2 teaspoons lemon extract
  • 2 teaspoons anise extract
  • 2 cups walnuts, chopped small
  • Extra flour for hands
  1. Preheat oven to 350° F. Place your oven racks in the center of the oven. To bake evenly, the middle is the best place to position your cookie sheets.
  2. In a large bowl, beat butter until light and creamy with electric beater on medium speed.
  3. Beat in sugar, eggs and lemon and anise extracts.
  4. In a separate bowl, sift together flour and baking powder.
  5. Gradually add the dry mixture into the large bowl until well blended. On the lowest speed, gradually add the walnuts. Form dough into a ball. Remove from bowl and transfer to a pastry sheet.
  6. Cover an ungreased cookie sheet with parchment paper. Sprinkle the dough and your hands with flour. Shape the dough into four 12- by 3-inch logs, or as close to these dimensions as you can. Bake logs 25 to 35 minutes or until the logs are lightly browned and firm when touched in the middle. Remove from the oven. Leave the oven on.
  7. Cool logs on cookie sheets for 10 to 12 minutes. With a serrated knife, cut 1/2-inch slices on the bias. With the cut biscotti standing up, space them out on the cookie sheet. Bake the biscotti in this position for 10 minutes or until lightly toasted. Remove from oven and let cool completely before serving. Store in an airtight container in a cool, dry place.
  8. ENJOY—Biscotti are best when baked with love.

Mariann Raftery, creator of Somebody’s Mom blog, cooks up comfort food recipes for families here at home. She also whips up homemade cookie care packages to send to our American soldiers overseas. Find Somebody’s Mom Cooking videos on YouTube with the search term “Thesomebodysmom.” Mariann’s regular column appears Fridays on New Rochelle Patch.