What Not To Do with a Vacant House

Posted on

Feb 18, 2023

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Mom and Dad are not currently living in their home.  Perhaps this is a temporary thing.  Perhaps it is a permanent thing and you just have not yet sold the house.

There are two things that you need to be very aware of - water and insurance.

A few years ago we purchase this home on Manchester in the northland of Kansas City.

The homeowner did two things very wrong, and we share his story to help educate people who have vacant homes.

First, he shut off the expensive utilities in the home - the electricity and the gas which provided heat.  He did not shut off the water, or at least shut-off water coming into the house.  It got very cold, and the pipes froze and left him with a potentially horrible mess, once the frozen pipes thawed out.  You see as water freezes, it expands.  That expansion cracks the pipes, toilets, and anything else that might hold water.  We have seen this happen with radiators in a home we owned that had a boiler system.  And we have heard of issues with sprinkler systems, pools, and even attached water hoses on the outside of the house.

Then when all that frozen water thaws out in the cracked container - it starts going everywhere.  And if the water is on coming into the house, not only the water that was frozen, but all the water behind it keeps coming.  We have heard stories of pipes freezing, cracking, thawing, and then water gushing out the doors for days until someone noticed and contacted the water department to get it shut off.

So tip number one - if you have a vacant home.  Keep the heat on and set it at 50 degrees.  But just in case, shut the water off at the main and drain all the water from the lines and fill them with antifreeze.  This is called winterizing a home and paying someone whatever it costs to winterize the home could save you tens of $1,000s in repairs later.

Second, this homeowner had owned the home as a rental, so he had rental insurance.  What happened to him would happen to someone with a standard homeowner policy as well.  He had held the home vacant for more than 30 days, almost a year actually.  So when the water damage happened, he turned to his insurance company, as anyone would.  They told him sorry, but read the vacant clause in your policy.  If the home is vacant for 30 days or more, they don't have to pay you a dime.  

So tip number two - if you have a home that is going to sit vacant for 15 days or more.  While you are on vacation, in the hospital, in rehab, or in a new home .  .  . check with your insurance company to find out what you need to do to have coverage while the home is vacant.  There is a special type of policy for vacant homes, so you can get some coverage, just not the same as your home owner policy.  And it will cost quite a bit more. The other option might be to have someone move in and care for the home, but the problem that might arise there is that they may not want to leave when you need them too.  We have seen families who have moved in a grandchild to care for a home.  They are living free and clear, and when they are ready to sell the home, the grandchild does not want to leave.

We hope this story will help at least one person with a vacant home.  

You can read our article about the Manchester house . . . and see how we were able to help the owner of the home.

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Discovering Creativity After 55 at Affinity at LovelandWhen was the last time you tried something completely new?Perhaps you've always wanted to paint a landscape, learn woodworking, explore photography, or finally finish that creative project sitting in your closet.For many adults over 55, the opportunity to pursue personal interests becomes increasingly meaningful. With fewer competing responsibilities, there may finally be room for activities that were once postponed.And in Loveland, Colorado, creativity isn't just a hobby. 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artists from around the world.The garden offers a peaceful setting for appreciating creativity while enjoying Colorado's outdoor scenery.Another cultural destination is the Loveland Museum, which features art exhibitions, historical collections, workshops, and educational programming.The museum also offers adult art classes covering techniques such as drawing, watercolor, acrylic painting, and other creative disciplines.For older adults who enjoy learning, these opportunities make Loveland particularly appealing.You don't need an artistic background to appreciate the city's creative culture.Sometimes, simply experiencing someone else's work is enough to inspire a new interest.Why Creativity Matters at Every AgeArtistic expression offers more than the satisfaction of completing a project.Creative activities can provide opportunities for concentration, relaxation, problem-solving, and meaningful personal expression.Painting, crafting, writing, and similar pursuits encourage individuals to explore ideas and develop skills.These activities can also create natural opportunities to connect with others.Creative Pursuits Worth ExploringFor adults interested in discovering or rediscovering hobbies, possibilities include:Painting and drawing: Experimenting with color, perspective, and personal expression.Woodworking: Creating decorative or practical projects using hands-on skills.Photography: Capturing Northern Colorado landscapes, architecture, and everyday moments.Scrapbooking: Preserving family photographs and meaningful memories.Creative writing: Recording personal stories, poetry, or family history.Crafting: Exploring handmade decorations, seasonal projects, and personalized gifts.The goal doesn't have to be mastering a new discipline.Sometimes, the greatest reward comes from enjoying the process without worrying about the finished product.Finding Space for Your Interests at Affinity at LovelandA dedicated space can make pursuing hobbies significantly more convenient.At 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activities.From Loveland to Fort Collins: More Opportunities to LearnLiving in Loveland also provides access to the broader cultural attractions of Northern Colorado.Nearby Fort Collins offers additional opportunities for residents who enjoy performances, museums, and educational experiences.For example, The Lincoln Center in Fort Collins hosts theatrical productions, concerts, dance performances, and visual art exhibitions.The Fort Collins Museum of Discovery also provides opportunities to explore science, history, technology, and regional culture through interactive exhibits and educational programming.These destinations expand the range of experiences available to residents who enjoy exploring beyond their immediate neighborhood.For someone interested in lifelong learning, living between Loveland's established art community and Fort Collins' cultural offerings provides an appealing combination.Turning Personal Interests Into Meaningful ConnectionsOne of the most enjoyable aspects of a hobby is discovering that someone else shares your enthusiasm.A person who enjoys woodworking may appreciate exchanging ideas with another hobbyist.Someone interested in painting might discover a neighbor who enjoys visiting local galleries.These shared interests can create connections without requiring formal introductions or structured social events.At Affinity at Loveland, residents have access to communal spaces where recreational activities and conversations can develop naturally.The community also emphasizes resident participation in shaping social activities and experiences.As [Contact Name], a representative of Affinity at Loveland, explains:"Creativity doesn't have an age limit. We want residents to have opportunities to explore their interests, share what they know, and discover activities that bring something meaningful to their everyday lives."This philosophy reflects an important consideration when exploring housing for adults 55 and older: a community should offer opportunities that align with residents' individual personalities and interests.Making Creativity Part of Your Weekly RoutineYou don't need an elaborate schedule to make room for a hobby.Small, consistent opportunities can be just as rewarding as major projects.Consider establishing a simple routine that encourages exploration.Five Ways to Stay Creatively EngagedChoose one project each month. Start with something achievable, such as completing a small painting or organizing a collection of photographs.Explore local exhibitions. Visit Loveland's galleries, sculpture gardens, or museum exhibits for inspiration.Learn from another person. Ask a friend or neighbor to demonstrate a skill they've developed over the years.Try an unfamiliar medium. If you usually write, experiment with photography. If you enjoy crafts, consider drawing.Share your finished work. Display a project at home, give it as a gift, or discuss your creative process with others.The important thing is maintaining curiosity.After all, personal growth doesn't stop at retirement.Choosing Housing That Supports Your InterestsWhen evaluating 55+ housing in Loveland, it's helpful to consider more than apartment layouts and monthly rental costs.Think about how a community's amenities might fit into your everyday interests.Does it provide comfortable places for hobbies?Are there opportunities to meet people with similar interests?Can you easily explore cultural destinations throughout Loveland and Fort Collins?Affinity at Loveland offers studio, one-bedroom, and two-bedroom apartment options, along with shared recreational amenities.Prospective residents can schedule a visit to see the property and determine whether its spaces align with their lifestyle.Choosing a home that accommodates personal interests can make everyday experiences more enjoyable.Frequently Asked Questions About Creative Living in Loveland1. Does Affinity at Loveland have a crafts studio?Yes. Affinity at Loveland lists a crafts studio and workshop among its community amenities. Contact the leasing team to learn about current availability, rules, and equipment.2. Are there art classes for older adults in Loveland, Colorado?Yes. The Loveland Museum offers adult art classes and workshops covering different artistic techniques. Many classes welcome beginners, although schedules, fees, and registration requirements vary.3. What cultural attractions are available near Affinity at Loveland?Residents can explore Benson Sculpture Garden, the Loveland Museum, and other local art destinations. Nearby Fort Collins also offers performances and exhibitions at The Lincoln Center.4. Is Affinity at Loveland suitable for adults who enjoy hobbies and creative activities?Affinity at Loveland is a 55+ apartment community with shared spaces for crafts, workshops, games, and other recreational interests. Prospective residents should tour the amenities to determine whether they meet their needs.5. Where can I learn more about Affinity at Loveland?Seniors Blue Book provides community information, location details, and contact information for Affinity at Loveland, helping older adults and families explore their housing options.Discover a Place Where Your Interests Can FlourishThe next chapter of life can be an opportunity to explore talents, develop new interests, and reconnect with activities that bring personal satisfaction.In a city known for celebrating creativity, Affinity at Loveland offers adults 55 and older a residential setting with spaces designed for recreation, hobbies, and shared experiences.Whether you're an experienced artist, an enthusiastic hobbyist, or someone looking for something new to try, there's always another possibility to explore.Ready to discover more about 55+ housing in Loveland, Colorado?Visit Affinity at Loveland on Seniors Blue Book to learn about the community, explore housing information, and connect directly with the leasing team.Your next great discovery might begin right at home.

Understanding the Cost of 55+ Living in Fort Collins

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It is to understand what each housing option provides and whether those benefits justify the expense.Homeowners should also consider the financial implications of selling their property, including transaction costs, home equity, and potential tax consequences.A qualified financial or tax professional can help evaluate those considerations.Choosing an Apartment That Fits Your BudgetHousing expenses also depend on how much space you actually need.Someone moving from a large family home may discover that a thoughtfully designed apartment accommodates their daily routines without requiring the same amount of upkeep.Affinity at Fort Collins offers studio, one-bedroom, and two-bedroom floor plans.Apartments feature fully equipped kitchens, in-home washers and dryers, and private patios or balconies, giving residents the convenience of familiar household features within a smaller residential setting.When comparing apartment layouts, consider more than square footage.Ask Yourself These QuestionsDo I regularly host overnight guests?Would a second bedroom serve as a hobby room or home office?How much storage space do I genuinely need?Would a smaller apartment make cleaning and organization easier?Which layout provides the best balance between comfort and monthly expenses?Visiting available floor plans can help answer questions that photographs and measurements cannot.Why Location Matters Beyond Housing CostsFort Collins offers something valuable to older adults considering a housing transition: an established community with recreational opportunities, cultural attractions, and everyday conveniences.The city is home to Colorado State University, local parks, restaurants, shopping destinations, and programs designed for residents of different generations.For example, the Fort Collins Senior Center on Raintree Drive offers recreational programming, arts, fitness opportunities, and social activities, with specialized programming for adults aged 50 and older.Affinity at Fort Collins is also situated near the Front Range Village shopping area, providing access to nearby retail and dining options.These local conveniences deserve consideration when calculating a realistic monthly budget.A convenient location may reduce the distance required for certain errands, although transportation costs will depend on individual circumstances.For active adults who enjoy exploring Northern Colorado, proximity to community resources can be just as important as the apartment itself.Understanding What Independent Living Doesand Doesn'tProvideFinancial planning also requires understanding the type of senior housing being considered.Affinity at Fort Collins is a 55+ active adult apartment community listed under independent living on Seniors Blue Book.Its primary focus is residential convenience, recreational amenities, and opportunities for community engagement.It is not an assisted living facility.Residents are generally responsible for their own meals, personal care, and routine household tasks inside their apartments.Individuals who need assistance with bathing, dressing, medication management, or other daily activities should evaluate whether additional services or a different care setting would be appropriate.Understanding this distinction helps families avoid comparing communities that provide fundamentally different levels of support.A Financial Decision That Should Support Your LifestyleThe best housing decision is not always the one with the lowest advertised price.Sometimes, the greater value comes from predictable expenses, fewer household responsibilities, and access to amenities that would otherwise involve additional costs.As [Contact Name] of Affinity at Fort Collins explains:"When people compare housing options, we encourage them to look beyond the rent itself. Understanding what's included, what responsibilities change, and how a new home fits their everyday life can make the decision much clearer."For Fort Collins residents approaching retirement or reconsidering their current housing arrangements, this perspective offers a practical starting point.Take time to review your finances, compare floor plans, and ask detailed questions before making a decision.A well-informed move begins with understanding both the numbers and the lifestyle behind them.Frequently Asked Questions About 55+ Living in Fort Collins1. Are utilities included at Affinity at Fort Collins?Yes. Affinity at Fort Collins advertises all-inclusive monthly rent covering utilities, internet, cable television, and access to community amenities. Contact the property to verify current inclusions and any additional charges.2. Does Affinity at Fort Collins offer different apartment sizes?Yes. The community offers studio, one-bedroom, and two-bedroom apartment layouts. 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Your Next Chapter: Planning a Fulfilling Retirement

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decisions that reflect their individual goals.Begin With Retirement Lifestyle PrioritiesBefore choosing a community, older adults should identify what matters most to them.Common PrioritiesMaintaining personal independenceReducing household maintenanceLiving closer to familyEnjoying recreational amenitiesHaving more social opportunitiesSimplifying meal preparationAccessing transportationPreparing for future care needsThere is no single ideal retirement lifestyle.The appropriate choice should match individual expectations.Independent Living Plus at The Villas of HolmdelThe Villas advertises Independent Living Plus as a residential option for older adults who want attractive private accommodations with more convenient services.Published Features IncludeApartment residencesConcierge assistanceHousekeepingDiningLaundry servicesFitness activitiesSocial programmingTransportationWellness amenitiesThe exact services and costs depend on the applicable agreement.Why the "Plus" MattersThe community uses the term to describe an expanded lifestyle supported by amenities and concierge services.Families should ask how the program differs from other independent living arrangements.Is It Time to Downsize?Downsizing can reduce the responsibility of maintaining a larger property.However, moving is not automatically the right choice for every older adult.Questions to ConsiderAre unused rooms increasing?Has property maintenance become tiring?Would a smaller residence feel more practical?Are repairs becoming frequent?Would dining services be appealing?Is community recreation important?Does the current home remain accessible?A retirement housing decision should reflect both present needs and personal preference.Comparing Homeownership and Independent LivingTraditional homeownership includes costs that can be easy to overlook.Typical Home ExpensesProperty taxesInsuranceUtilitiesLandscapingRepairsHousehold cleaningAppliance replacementTransportationRecreational membershipsIndependent 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Lifestyle Before CommittingIndependent Living Tip: Create a sample weekly schedule showing how you would use dining services, fitness facilities, social programs, and personal time. 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How should families compare independent living costs?Review the community's recurring fees and included services alongside current housing expenses, personal costs, healthcare needs, and possible future changes.5. How can prospective residents request more information?Contact The Villas of Holmdel for current apartment availability, pricing, services, and tour scheduling.Making an Informed Retirement Housing DecisionRetirement housing should reflect both financial circumstances and personal lifestyle goals.For older adults throughout Monmouth County, New Jersey, The Villas of Holmdel offers Independent Living Plus with private apartments, convenient services, dining, and social opportunities.A thoughtful decision begins with understanding current responsibilities, preferred activities, housing costs, and possible future needs.By comparing those priorities with the community's services and reviewing current written agreements, prospective residents can determine whether independent living is an appropriate next step.Learn More About The Villas of Holmdel (Independent Living)Visit The Villas of Holmdel (Independent Living) on SeniorsBlueBook.com to explore its independent retirement living listing.