Category Archives: Home Inspection Information

Buying Central Toronto Real Estate With EIFS: Exterior Insulation Finish Systems

Exterior Insulation Finish Systems (EIFS or “eefs” for short) are a type of exterior wall cladding that is becoming very popular in new or recently renovated homes – especially those being renovated to be more energy-efficient. If you’re shopping for central Toronto real estate, it’s likely you’ll come across it eventually.

What are EIFS?

EIFS look just like a stucco finish and come in a number of textures and colours. They are thicker than stucco, consisting of a thick layer of foam, fiberglass mesh and a finishing top coat. This top coat is what gives the EIFS its stucco-like appearance.

What are the problems with EIFS?

EIFS is sometimes to blame for moisture intrusion. If it is not terminated properly and the foam is exposed, not installed correctly around the windows or installed too close to the ground, water from rain and melting snow and pests like ants or termites can be pushed into the foam and penetrate wood and other structural materials, leading to rot and mold.

When installed properly, it’s a beautiful-looking exterior wall cladding with great insulating properties that is highly water-resistant. Unfortunately, anyone could be installing the EIFS or using different materials from different suppliers to cut costs – this voids the manufacturer’s warranty in many cases as all of the layers of the EIFS are designed to be sold together as a system. Because you weren’t there for the installation of the EIFS, it’s important to have it inspected before you buy. There are a number of stucco inspectors in the Greater Toronto Area who will be able to inspect your EIFS using state-of-the-art thermal imaging that identifies errors in installation or already present moisture intrusion.

Selling Toronto Real Estate And Leaky Basements

Spring is (almost) in the air in Toronto. The days are getting a bit longer, and we’ve had some spotty semi-decent weather. If you’re a Toronto home owner who is gearing up to sell their home, a wet, melty spring – and the impending leaky basement – can be an absolute nightmare.

First, a crash-course in Toronto real estate disclosure terms:

A latent defect is something that is hidden. This is a defect in your home that you can’t see and a buyer probably wouldn’t find out about until it’s too late – such as a leaky basement, or pipes that are prone to freezing, bursting and subsequently flooding the basement. Toronto real estate sellers should tell buyers about latent defects (if they know about them) or they can be sued later.

A patent defect is something visible and obvious. These include broken windows, crooked fixtures, or visible mold and water damage. Toronto real estate sellers don’t have to say anything about these, because potential buyers can see them easily during a walk-through. In other words: buyer beware.

Courts will use these terms to decide whose fault it is if the new buyers decide to sue the sellers for not mentioning leaky basement problems. If the defect was known (latent) but not mentioned, the sellers could have a big problem on their hands. If the defect was obviously visible (patent), there is little recourse for the buyer.

But what if the sellers only lived in the home for a short period of time, and never experienced a leak or flood in their basement? If it can be proven that they did not know about the hidden defect (unknown latent defect), then there is no liability there.

If a seller does know about the issue, they should get an estimate for repairs or do them themselves. There are other options though, including telling the listing agent and disclosing the problem in a Seller Property Information Statement (SPIS). Encouraging buyers to undergo a home inspection while being open about the issue is a positive step, as well as making the offer conditional upon the results of a home inspection if it is not already. Some buyers will assume the risk anyway, and the seller is free of liability.

Home Renovations 101

By Myles Slocombe

Whether you’re in the midst of a reno, considering doing some home improvements yourself, or planning on hiring professionals, it goes without saying it’s important to know some of the terminology used to help ensure a clear understanding on all sides when communicating and building your vision. Renovations can be a complicated matter, and the language can seem so sometimes as well. Here’s some basic reno lingo to help you along the way:

Apron: the trim below a window sill or table top.

Batt: a section of fibreglass or rock-wool insulation.

Beam: the main, load-bearing horizontal supports for everything from decks to houses.

Bearing Wall: a structural wall that supports the load above it (such as a roof or floor system).

Brown Coat: coat of stucco that’s troweled over the primary or scratch coat. Its primary purpose is to provide a smooth surface for the finish coat.

Cantilever: a beam or beams that projects beyond its support.

Casing: the frame which surrounds a door.

Caulking: a seal for seams and joints against weather and insects. Caulking can also be used to fill gaps before painting.

Centre Bearing Wall: a structural wall that is normally built along the centre of a building. It supports the weight of the above floor system.

Chase: to allow for pipes and ducts, a chase is a grove cut into a wall or floor.

Corner Bead: used to protect the corners of external plastered walls, a corner bead is a strip of metal or wood.

Cornice: horizontal trim where the roof and wall meet. A cornice is strictly decorative and made of stucco, plastic, metal or wood.

Crown Molding: trim placed over the corner formed where the wall meets the ceiling.

Drywall: used for interior walls, drywall is made of plasterboard or gypsum board and used in place of wet plaster.

Finish Coat: the third and final coat of stucco. The finish coat may or may not contain pigment. If it doesn’t, it will need to be painted. The term if also used generically for any final coat placed on a surface.

Floor Trusses: unlike joists, floor trusses allow heating, plumbing and electrical material to run inside them rather than below. Trusses are generally deeper and more expensive then joists.

Footing: sits on soil and is the base for the structure and supports all of its weight.

Foundation: usually made of block, concrete or treated lumber, the foundation sits on the footing and supports the floor system.

Grade Beam: unlike a footing, a grade beam is supported by columns underneath it rather than sit directly on the soil.

Header: horizontal pieces (usually two nailed together) laid on their edge to provide support over a window or door.

Joist: parallel lumber that constitutes the bulk of the framing for a floor or ceiling.

Load-Bearing Wall: a support wall capable of bearing weight.

Moisture Barrier: treated paper that is used to keep moisture from seeping into floors or walls.

Molding: decorative strip often used to mask gaps where walls meet.

Mortar: mixture of cement, sand and water that is used to bond bricks together.

Non-Bearing Wall: a wall that is used to section off rooms or for privacy and does not support any load above it.

Plan: usually provided by an architect, a plan is a series of diagrams that depict a particular project from different views. There are five main views.

1. A floor plan gives you a bird’s eye view assuming the roof has been taken off. It shows walls and fixtures such as stairs and doorways. The floor plan may also give you dimensions.

2. A section view is basically a dissection of the building. If you imagine a home sliced in half vertically so that you can see what’s inside, you have a section view.

3. A detail view is a blow-up of a particular part of a section view and gives a better idea of how pieces fit. If you’ve ever assembled furniture using instructions, the detail view shows you what screw to use and how to insert it.

4. A plot plan shows the structure and the entire lot that surrounds it.

5. The elevation view is just that: the building from the outside at eye-level.

Plaster: made from concrete, water and sand.

Plate: a support structure used to hold studs in place.

Plywood: is made up of an odd-number of layers (each layer is called a “ply”) that are glued together.

Post-And-Beam Construction: foundation or wall that are constructed from posts and beams rather than smaller studs. To keep the posts vertical, diagonal supports are used.

Pressure-Treated Lumber: chemically treated wood to make it more moisture resistant.

Rough-In: construction done for any electrical/plumbing work needed. Rough-ins are hidden by a wall, floor or ceiling.

Scratch Coat: the first coat applied when applying stucco and adheres to a mesh covering placed on an outside wall. It’s followed by a brown coat and then the finish coat.

Shingles: overlapping outer covering of roofs or an external wall.

Sill: the boards at the base of a window or door opening.

Struts: beam or piece of wood used to keep two others apart at equal distance; thereby giving them more strength.

Stucco: an exterior finish that is hard and concrete-like.

Studs: vertical beams placed 16 or 24 inches apart to which horizontal pieces are nailed. Studs give strength to the wall and provide a solid background for nailing in other pieces.

Vapour Barrier: waterproof material that blocks the transfer of moisture in a wall, floor or ceiling.

Veneer: thin sheets of wood applied to the surface of furniture

Tongue-And-Groove: type of joint or edge where one piece has a long “tongue” that fits in the “groove” of an adjoining piece. Its main purpose is for strength.

Wainscoting: decorative wood panelling that only covers the lower section or a wall.

Weep Holes: small holes that allow water to drain to the outside of a foundation wall.

Myles Slocombe is a Sales Representative with Royal LePage R.E.S./Johnston & Daniel Division. Myles is also a regular contributor to the Muddy York Blog.  Myles’ web site is located at www.keystoneconnect.ca

Common Real Estate Scams To Avoid Part 2: Renovation And Improvement Scams

Home improvement scams can affect even the most diligent homeowners. But if you’re worried about keeping your home in tip top shape in order to sell it, you might be hearing all kinds of things regarding various inspections you should undergo and things you need to test for. In some cases, you could be taken advantage of.

Radon In Toronto

Radon is an odourless, colourless radioactive gas. It’s all around us, but it can build up to unsafe levels in homes – usually through the basement. Ontario and Nova Scotia tend to have a higher number of homes with unsafe levels because of their soil content (it’s the breakdown of uranium in the soil that releases radon gas), but recent stats from Health Canada show that the Greater Toronto Area has a much lower number of homes with unsafe levels. You can do your own radon testing at home instead of hiring a radon mitigation company, which may or may not be licensed. Testing kits are available online or at big-box home improvement stores, usually costing less than $40. It’ll save you from dealing with a radon inspector who finds imaginary radon that they then have to mitigate for a high fee.

For more information on radon in Toronto, read our Muddy York Blog posting here.

Mold Removal In Toronto

Similar to the radon scams, always obtain a second opinion or use a licensed mold removal company that offers references. This also goes for termites and other pest control problems you may encounter.

Fireplace, chimney and gas stove cleaning in Toronto

Chimney cleaning is an important part of regular maintenance, and you’ll likely have it done before putting your home up for sale. A common scam is for some chimney cleaners to claim that your chimney needs a lot of repairs: maybe it’s cracked or needs a new liner. If this does happen, obtain a second opinion to see if these suggestions are legitimate. If you’ve got a gas fireplace, ensure that a TSSA-licensed gas fitter inspects and cleans your unit before selling your home.

If you’re planning on putting your Toronto-area home up for sale, you could undergo a home inspection. This will save time later, and you’ll know if anything should be fixed beforehand. This way, you have the option of making these repairs on the advice of a home inspector and increasing your price accordingly, or decreasing the price accordingly without making the repairs. The home inspection will cover issues like mold, termites and the chimney, without making the homeowner sift through several different contractors.

Vermiculite Insulation In Toronto – What Is It, And What’s The Problem?

Vermiculite is a material that is mined and looks a lot like mica – shiny, flaky and semi-translucent. It’s spongy and has great insulating properties, which is why it’s a common insulation material in many homes across Canada.

Most of the vermiculite insulation used in Canada and the United States comes from one single mine in Montana, which – and herein lies the problem – was found to be contaminated with asbestos. So all of the vermiculite insulation that comes from the mine – and is found in 35 million homes across North America – could also be contaminated. Asbestos is linked to lung cancer, mesothelioma (a more aggressive form of lung cancer) and chronic lung scaring. The dangers with asbestos, and therefore vermiculite, is when it is moved. When the material is disturbed, the asbestos fibers become airborne and are inhaled, where they do the most damage.

For Health Canada’s fact sheet on vermiculite insulation, click here:

http://www.hc-sc.gc.ca/hl-vs/iyh-vsv/prod/insulation-isolant-eng.php

If your home is more than 20 years old (the use of this insulation from the one mine stopped around 1990) and contains vermiculite insulation, it’s possible that it could be contaminated. Asbestos materials are generally harmless if they are inaccessible and never disturbed, but if your home is undergoing any kind of renovations or remodeling it would be a smart decision to have an asbestos inspection conducted on your home. Even everyday activities like retrieving items from an attic that has vermiculite insulation, as per Health Canada’s example, can disturb the materials.

Asbestos or asbestos-containing materials cannot be removed by the average homeowner and must be removed by certified asbestos removal companies in Canada.

Removing Abandoned Underground Fuel Tanks In Ontario

If you are buying an older home or rural property (such as a cottage) it is important to ensure that there is not an underground oil tank on the property or that it has been removed by having a thorough home inspection conducted. You can mention the possibility of a fuel tank on the property to the inspector, or hire a fuel tank inspector.

If propane or natural gas are not or were not available for heating the home at the time it was built, it is likely that it initially used oil heating. If a fuel tank is not visible on the property, the fuel tank may be buried underground.

The latest deadline for removal or upgrade of an underground tank system was October 1, 2009. This deadline was for underground fuel tanks that were installed less than nine years ago, and underground fuel tanks installed earlier were supposed to be removed between 2006 and 2008, depending on the age of the tank or date of original installation.

It is going to be quite costly to have one of these tanks removed from the property as required by law, so inspecting before you buy is key. In that case, the seller can deal with the fuel tank themselves or knock down the asking price accordingly. The underground fuel tank must first be removed, disposed of properly, and then the surrounding soil tested for contamination. Contaminated soil is akin to a miniature oil spill on your property, and also must be dealt with by professionals. This total cost can run up to a couple thousand dollars and is even more problematic than some realize: The Insurance Bureau of Canada will not insure a home that has an exterior oil tank older than 15 years or an interior tank older than 20.

If the fuel tank is not abandoned and is still functional, it will need to be inspected and registered with the Technical Standards and Safety Authority (TSSA) if not already. Registration is free, but inspections can run at about $150 per hour. Fuel suppliers are supposed to inspect every tank they bring fuel to, but if the tank is no longer used, no one is inspecting it. All abandoned fuel tanks are at risk of leaking and should be removed by a professional who is TSSA-certified.

For more information from Home Inspection experts and Consulting Engineers CarsonDunlop, read their post on fuel tanks on the Muddy York Blog here.

Renovation Contracts In Toronto: Making Sure Everything Goes Smoothly

A handshake isn’t enough these days to solidify a deal. Getting everything hammered out in writing is as important for working with contractors as any other business transaction, especially if you’re paying for a portion of the work upfront – and you shouldn’t be paying for all the work upfront in any case.

Homeowners should never feel shy about asking for an air-tight contract, and if the contractor balks at the idea, it’s time to walk – or run – away. The contract is there to protect both parties – not just the homeowner – and any good contractor will know this.

Timelines and “Payment Milestones” in a renovation contract

Canadian television renovator and Not-Getting-Ripped-Off guru Mike Holmes recommends creating a payment plan that uses five payment milestones instead of an estimated time frame. This method begins with a down payment, which Holmes says on his website should not exceed 15% of the total cost. Then, four more payment milestones can be determined. One example is during a large job, 25% of the remaining amount can be paid when one portion of the job is complete (like the electrical) and then another 25% can be paid when another part of the work is done (such as the plumbing). These payment milestones can be different depending on the job itself, and this payment plan should be incorporated into the contract.

More resources for creating renovation contracts

The Canada Mortgage and Housing Corporation has a sample renovation contract on their website that can be used as a guideline for drawing up your own.

The Canadian Home Builders’ Association also has a lengthy overview of all of the things that should be included in any renovation contract.

Finally, make sure that either you or the contractor takes out the proper building permits for the renovation job at hand if necessary (it is the homeowner’s responsibility to ensure that they are obtained). More information on the City of Toronto’s Building Permit Requirements is available in our blog posting here.

The City of Toronto and Building Permits

What requires a building permit in Toronto?

If you’re planning on renovating or updating your home in order to increase its value before selling, you may need to take out a building permit.

According to the City of Toronto, you will need a building permit to:

  • Construct a new building
  • Any addition to an existing building
  • Structural alterations
  • Renovate, repair or add to a building
  • Demolish or remove all or a portion of a building
  • Change a building’s use
  • Install, change, or remove partitions and load bearing walls
  • Make new openings for, or change the size of, doors and windows
  • Build a garage, balcony or deck
  • Excavate a basement or construct a foundation
  • Install or modify heating, plumbing or air-conditioning systems
  • Install or reconstruct chimneys or fireplaces
  • An accessory structure larger than 108 sq. ft. in area
  • A deck more than 24″ above ground
  • A wood burning stove/fireplace installation
  • A basement entrance
  • A Second Suite
  • New or altered plumbing

If you’re buying a home that has been recently upgraded or renovated, you may want to make sure that the proper building permits were taken out at the time. Even if the previous owner did the renovations, they are considered illegal and as the current home owner you will be responsible for redoing them out of your own pocket with the proper permits if needed.

Just imagine wanting to modify your plumbing system and finding out that no permit was taken out to install it in the first place. Forget modifying or upgrading your plumbing, you might have to completely remove and reinstall it if no permit was taken out initially.

There are quite a few, very specific exceptions with regards to what doesn’t need a building permit, for example: replacing windows and doors when the opening is not made bigger, adding insulation and re-roofing, unless the new roofing increases the load on the roof by more than “the equivalent of three layers of asphalt shingle”.

More building permit exceptions can be found at the City of Toronto Building Permits website.

New Qualifications for Home Inspectors in Ontario

Home Inspectors in Ontario change qualification system

The Ontario Association of Home Inspectors has decided that it will change its qualification and certification system for home inspectors in Ontario. These changes will, according to the association, create higher-quality inspections and better consumer protection.

In British Columbia, home inspectors have had to be licensed since 2009. Now, home inspectors in Ontario appear to be following suit. The changes are also in anticipation of the possibility of mandatory licensing being introduced next year, which has been recommended by several regulatory bodies in the province.

Home inspectors in Ontario painted in a negative light

Buying a home in Ontario without a home inspection is a bad idea, and without one home buyers can be left dealing with serious problems that weren’t caught before they bought the property. But no one is currently inspecting the inspectors: to quote Mike Holmes in one of his columns, “In a house purchase, every step is regulated in some way by government. Everyone is licensed: the real estate brokers and agents who sell houses, the banks who lend money, the lawyers who oversee the land transfer, the insurers who cover the house, but not home inspectors.”

Membership in the Ontario Association of Home Inspectors is voluntary, and the industry is largely unregulated in Canada with the exception of the new licensing requirements in B.C. – the only province so far to implement them.

Earlier this year, a CBC marketplace story in January followed Holmes and a reporter who hired four separate home inspectors to inspect a home that had glaring signs of being used as a former grow-op (which can pose major fire and health hazards for new owners). All four missed the signs, leading to a call for more regulation of home inspectors in Ontario.