Thursday, April 9, 2009

The Benefits of Having Radiator Covers

A simple radiator can make a big difference in updating the look and feel of a room. An exposed radiator can be an eyesore. Suppose that you've just updated your furniture, painted the room, added some window treatments, but you still have a clunky old radiator that just does not go with the rest of the room. A radiator cover is a simple solution to instantly brighten your room and also provide a shelf space. What's more is that it eliminates the chance of a family member or a pet getting burned from contact with exposed radiators.

Even more, did you know that installing radiator covers can also conserve heat? A bare radiator heats everything around it. Radiator covers efficiently directs heat through the grill, into the rest of the room, away from windows and
walls. This enhances the radiator's heating ability and minimizes heat loss. When a radiator is exposed, heat rises and travels up the back wall. The warm air collects towards the ceiling while cold air stays along the floor. When a radiator is covered, the heat gets pushed out the front. The warm area is also directed to the floor area, which allows the radiator to warm up the room faster.


Warm air travels up when the radiator is exposed.




Warm air is directed away from the wall

A radiator cover can help you with enhancing the appearance of your home, protecting your family, and conserving energy. It is easy to see that this simple solution provides important benefits and serves more than meets just a mere, well, cover.


Custom Radiator Covers by The Handy Chap, LLC

Custom created radiator cover
Top of cover with beveled top

Exposed radiator

Finished cover over radiator

Custom-made radiator cover


















































Monday, March 23, 2009

Home Improvement Consumer Protection Act

On July 1, 2009 the newly enacted Home Improvement Consumer Protection Act (HICPA) will take effect. This legislation is generally intended to protect consumers from dishonest contractors by establishing statewide registration requirements for home improvement contractors. Under HICPA, contractors will be required register with the Attorney General’s Bureau of Consumer Protection. Registered contractors are required to maintain a minimum amount of insurance coverage. Furthermore, the contractors’ contracts must contain specific important information, geared to protecting the rights of consumers. Extensive requirements are set forth under the new law.

What is HICPA?

Pennsylvania has joined NY, NJ, TX, FL, CA, and other states in implementing severe restrictions on construction contracts for home improvement work.
Senate Bill 100 of 2007 Session, PN 2484 was signed into law on October 17, 2008. Governor Ed Rendell signed into law sweeping changes which will forever affect the way contractors in Pennsylvania conduct business. The new law is aimed at protecting homeowners and the elderly from the acts of unscrupulous contractors. It also covers contractors who are registered with other states but do business in Pennsylvania. The penalties for violating the new law are very severe. HICPA only covers work on existing homes. It specifically excludes new home construction.

Are all contractors required to register under HICPA?
No, under HICPA, contractors who performed home improvement work of a total of less than $5,000 during the previous taxable year are not required to register. Also, contractors are exclusively involved in the construction of a new home are not required to register. HICPA applies to any person who owns and operates a home improvement business or who undertakes, or agrees to perform any work performed on a private residence.

Under HICPA, a contractor includes, but is not limited to:
· HVAC
· Swimming pool installers
· Driveway installers/resealers
· Concrete & masonry contractors
· Carpet and flooring installers
· Siding installers
· Certain landscapers
· Roofers
· Insulation installers
· Solar energy system contractors
· Security systems installers
· Fencing installers
· Painters
· Door and window installers (including storm windows and awnings)
· Waterproofing contractors
· Subcontractors or independent contractors who have contracted with a home improvement retailer
· And just about everyone else that works in residential properties

What types of information must contractors disclose when filing their application?
An applicant must provide names, home addresses, telephone numbers, driver’s license numbers, social security numbers, and all prior business names, home addresses of the home improvement business operated by the individual or each partner, officer, manager, etc.
HICPA also requires each applicant to provide a statement which lists whether the individual or the company has ever been convicted of a criminal offense relating to a home improvement transaction, fraud, theft, deception, or fraudulent business practices. Furthermore, each applicant must disclose any final civil judgments entered against it relating to a home improvement transaction in the last 10 years, or whether it has ever filed for bankruptcy. HICPA also requires an applicant to disclose whether a certificate or similar license issued by another state or township was revoked or suspended by a court. Applicants must also inform the Bureau whether they are registered in another state, and if any disciplinary action has occurred in that state.

What if contractors do not comply with the new law by July 1, 2009?
HICPA further establishes a new criminal offense identified as “home improvement fraud”, which will be enforceable by the Attorney General’s office and county District Attorneys. Any violation of the Act by a home improvement contractor will also constitute a violation of the Pennsylvania Unfair Trade Practices and Consumer Protection Law.

How do I know that I am dealing with a registered contractor?
The new law does not require contractors to show copies of their registration. However, contractors must include their registration number in their advertisements, contracts, estimates, and proposals. No person shall hold himself out as a contractor or shall a person perform any home improvement without first registering with the Bureau. The Bureau shall maintain a toll-free number from which a caller can obtain information as to whether a contractor is registered.

How long are registrations valid?
Home improvement contractor registrations are valid for two years, and must be renewed biennially.

Biggest Changes
· Time and material contracts (cost-plus agreements) are unlawful under HICPA because the contract has to show a contract price, not an hourly rate.

· The days of short one or two page contracts have ended. Contracts with a total price of more than $500 must comply with HICPA. The agreement has to include the usual contract elements and,
o The Attorney General’s phone number- 800-441-2555
o The contractor’s street address (not a P.O. Box)
o Specific start and completion dates
o A description of the materials to be used and a set of specifications
o The contractor’s property damage and liability insurance limits
o Three business day right to rescission
o List of subcontractors, each with phone number and street address 9no P.O. Boxes)
o If disputes are to be settled by arbitration, the arbitration clause has to be in 12-point bold caps.
o Home improvement contracts are not valid if they include any voidable clauses. These include hold harmless clauses and terms that award attorney fees to the contractor.


· If the contract price exceeds $1,000, the down payment cannot exceed 1/3 of the total price plus the cost of any special order materials.
· Contractors must carry insurance covering personal injury and property damage in the amount of not less than $50,000 for each coverage.

What is not covered under HICPA?
· Estimates can be part of the contract. Contractors may include estimate details as part of the contract, no matter what appears in the plans and specs. This is completely fair and perfectly legal under HICPA.
· Nothing in HICPA requires contractors to absorb the loss when something doesn’t go as planned. Nearly all contracts for large construction projects include a differing site conditions clause. If it turns out that something isn’t what the owner presented or what the contractor reasonably expect, a different site conditions clause provides extra pay for extra work. The contractor is protected if costs escalate due to surprises.
· HICPA is silent on warranties. Contractors are free to follow his/her conscience when drafting home improvement contracts.

Sunday, March 1, 2009

Handyman 101

What is a Handyman?

A handyman is someone who can perform a wide assortment of small tasks and odd jobs. Handymen offer low-cost services to their clients.


The tasks that a handyman can perform vary. Most are capable of undertaking small to medium-sized construction projects ranging from repairing damaged flooring to remodeling a room. Many can work in the garden, paint a house, and troubleshoot plumbing and electrical systems, even if they ultimately have to refer clients to a professional to fix a major problem.


A handyman can extremely useful because he can perform a wide range of repair tasks at one visit, allowing homeowners to call one person rather than several to deal with small problems that develop around the house. Many handymen also pride themselves on coming up with innovative, inexpensive solutions to problems to keep their costs down.

How Can a Handyman Help With Home Projects?

Most contractors either perform larger construction jobs (general contractors) or smaller, more specialized projects (tradesmen). This creates a problem for a homeowner who only has a need for smaller home repair or home improvement project. Homeowners can depend on the convenience of dealing with one person with their home improvement needs.


A professional handyman requires a reasonably high level of diverse experience and knowledge. Therefore, a handyman usually has a basic general knowledge about a more diverse list of construction skills than most tradesmen since tradesmen have a specific field of expertise (plumbing, electrical, painting, etc). Often, the services performed by a handyman are considered too small, or are not cost competitive for larger contractors and tradesmen to carry out.

How to Find a Good Handyman

It is usually easy to find a handyman; many advertise in phone books and with fliers around town, and it is also possible to track one down through word of mouth recommendations. Some people become quite attached to their handymen, since a good one can be hard to find.


The quality of repairs performed by a handyman can vary widely. Ask friends and neighbors for recommendations when seeking out a repairman, as they may have experience with several people in the market that allows them to recommend a particular individual. When you do find a handyman, you may want to ask about his qualifications, and if the handyman has a relationship with a licensed plumber, contractor, or electrician in the event that you require a tradesman to finish a job.


Finding a good Handyman is kin to finding a good mechanic. Many things can go wrong with your car, same as with your house. A good Handyman can fix plumbing and electrical, he can build small additions, demo walls, paint, tile, and caulk. Before you just grab the first one you see, there are some steps to make sure who you have is whom you want.

What Types of Handyman Services Are Out There?

Handyman Companies. There are professional handyman companies that will perform small home or commercial projects. Such companies can often claim the benefit of being properly insured and licensed (where applicable) and can provide scheduling and customer service functions for their staff of handypeople. Homeowners contract with different handymen because these companies employ handypeople either as full-time, direct employees, or as sub-contractors.


Professional Handyman. There are also handymen who operate their own business. They are responsible for determining the best methods to use, pricing the work, purchasing materials, perform the actual services, and collecting payments. Homeowners deal with only one person and issues are often easily handled to the homeowner’s satisfaction because customer is dealing directly with the owner.

What About Licensing?

Pennsylvania does not license or register general construction or home improvement contractors. There is no licensing requirement for handymen; the same is true for plumbers and electricians. Some handymen pursue licensure to make themselves more appealing to potential clients, and because it is easier to get bonding or insurance with a license.

Do You Need to Get a Handyman Who is Fully Insured?

Many homeowners appreciate the additional security of insurance protecting them from theft and damages caused by a handyman. If you decide that you want your handyman to be fully insured, ask for a copy of the handyman’s proof of insurance.

Do You Trust the Handyman?

  1. The choice is yours, after getting information about the job and how the job will be performed, trust your instincts.
  2. Do you feel comfortable with this person?
  3. Do you trust this person to be in your home and perform the job correctly?
  4. Do you foresee difficulties with communicating with this person after the job is complete should any issues arise?

Other Things to Consider About Your Handyman

  1. Level of professionalism
  2. Expertise
  3. Criminal history an/or Child abuse history; you cannot be too careful when it comes to safeguarding your home and family.

Before You Call:

  1. Walk through your home and list the small repairs needed. For example, dripping faucet, loose cabinet doors, faulty light switch, etc.
  2. Get organized before you make the call. Keep a list of all repairs needed near the phone so you can give the handyman a good idea of the job size before he comes to your home.
  3. Make a list of other items of concern or ones you think might get worse.
  4. Decide if you will be able to afford all the repairs at once or if you want them done in phases. If you want them in phases, prioritize what you want done first.

When Your Handyman Arrives:

  1. Walk through your home and describe each of the repairs to the handyman.
  2. Decide on an hourly, or per job rate. Realize that most firms front load the first hour.
  3. Ask for references and examples of other jobs if you still aren't sure about his work.