Winter Home Maintenance Tips

By Jonathan Priest

Shorter days and cooler weather make it tempting to curl up under a blanket and hibernate until spring. It’s a good plan, but before the snow flies, cross these six home improvement projects off your list.

1. Clean the gutters

 
The first snowfall of the season is not the time to learn your gutters are filled with debris or too loose to handle the weight of the snow. Falling leaves can create a buildup, and when it rains or eventually snows and the snow melts, the water will need a clear path to run. Making sure you have clear downspouts has the same reasoning, so that debris does not build up. Clean your gutters, or better yet hire a pro to tackle the job. While you're at it, look for areas where gutters are loose and may have torn away from the house. Reattach them using gutter spikes, brackets or hangers. Clean, well-secured gutters are essential to protect the foundation of your home and reduce the risk of basement flooding.

 
2. Check smoke detectors

Change the batteries in your smoke detector. As you are preparing your home for cooler months, Remember, if your alarm chirps—a sign the battery is low—replace it, no matter the time of year. Once you’ve replaced the batteries, test the smoke detector: It’s as simple as pushing the button to make sure the alarm goes off. Don’t ignore hardwired smoke detectors; many have battery backups and those batteries need to be replaced, too. You should also replace any smoke detectors that are over 10 years old. Alarms are constantly checking the air for smoke, and after 10 years, the effectiveness of the alarm may decrease.

 
3. Hire a chimney sweep

A chimney sweep isn’t just a character from Mary Poppins. These fireplace pros remove soot and creosote that build up in the chimney and pose a fire risk. A professional chimney sweep, certified through the Chimney Safety Institute of America (CSIA), will clean the chimney and inspect the entire fuel venting system for warped metal on the damper, cracked or collapsed flue tiles, cracks in the exterior masonry and other signs of fire damage. The National Fire Protection Association recommends an annual chimney inspection. A clean chimney makes it safer to build a cozy fire in the winter; a chimney that has been swept not only helps prevent chimney fires but will also aid your fireplace to operate more efficiently as the smoke and other flue gases can exit the chimney more quickly.

  
4. Perform furnace maintenance

Call in the pros before turning on the heat. Regular maintenance ensures that your furnace runs at peak efficiency. Without semiannual maintenance (in the spring before running the air conditioner and in the fall before turning on the heat), airborne allergens may get trapped in the filters, resulting in poor indoor air quality.

 
5. Winterize water pipes

Data from the Insurance Information Institute shows that almost 30 percent of homeowners insurance claims were related to water damage and freezing. Make sure to drain outdoor water spigots and winterize water pipes to reduce the risk. You can winterize water pipes by locating your hose bib shut-off valve, which may be in a basement or crawl space, and turning it off at the source. For extra protection, purchase a Styrofoam cover that attaches over the outdoor spigots to keep them from freezing. These quick fixes can provide protection against the elements as temperatures drop. You may also want to shut off water to exterior faucets and drain sprinkler systems for extra protection against freezing pipes and water lines.

 
6. Assess windows and doors

Heat lost through windows and doors can account for up to 30 percent of home energy use, according to the U.S. Department of Energy. To keep heat in the house, look for cracks or gaps in the exterior caulking, check seals around exterior door and add caulking or weather stripping as needed. While these DIY fixes can reduce heat loss, a professional energy assessment can provide additional insights into areas where you may be losing heat and recommend fixes. Call your utility company to ask about their services or get a recommendation for a pro. Spending a few extra hours tackling these home improvement projects this fall will keep you warm and safe all winter long.

This article was brought to you courtesy of Farmers Insurance agent, Jonathan Priest, with an office at 57 Tandberg Trail, Suite 7, Windham and StaySafe.org. Call him at 207-893-8184 or send him an email at jpriest1@farmersagent.com <

2025 Housing Market Forecast

By Nicole Foster, Broker/REALTOR

The housing market has demonstrated remarkable resilience in the face of rising mortgage interest rates, and we are now past the usual lull we see in the weeks and months leading up to a contentious presidential election. Despite initial fears of a market downturn following unsustainable growth during the pandemic, the data now shows that the housing market is stabilizing rather than crashing.

Economists predict a significant increase in the number of single-family home sales in 2025 and 2026 compared to the past few years. The recent period has been characterized by tight inventory and elevated interest rates, which created challenging conditions for many. However, as these pressures ease, the market is expected to regain momentum. While home prices are forecasted to continue rising, the pace will be more moderate and reflective of the normalized growth observed in the latter half of 2024. This slower, steady appreciation is reminiscent of pre-pandemic trends, offering a sense of stability.

Home mortgage interest rates are also anticipated to stabilize at an average of approximately 6.08 percent for a 30-year fixed-rate loan. Although a significant drop in home mortgage interest rates is not expected, the stabilization will bring much-needed predictability to buyers. Additionally, increased inventory for both existing homes and new builds will provide relief to those who have been sitting on the sidelines, discouraged by the competitive conditions of recent years.

One of the key trends affecting inventory has been the "lock-in effect." Many homeowners have felt tied to their current properties due to historically low mortgage rates of 2 percent to 3 percent, making the prospect of selling less appealing. However, this phenomenon is expected to diminish over time as market conditions normalize, encouraging more homeowners to list their properties and increasing the available inventory.

Currently, the median sales price for a single-family home in Windham stands at $580,000. Projections indicate that prices will rise modestly, with increases of 2 percent to 4 percent expected in both 2025 and 2026. These growth rates reflect a healthier balance between affordability and market value creating more opportunities for buyers to enter the market without facing the extreme price surges of recent years.

Research from the National Association of REALTORS® reveals that the average homeowner has gained approximately $147,000 in housing wealth over the past five years. This has widened the wealth gap between homeowners and renters, underscoring the long-term financial benefits of homeownership. As more inventory becomes available, improved affordability could help close this divide, making home ownership accessible to a broader demographic.

The majority of single-family homebuyers in the state are local, followed by buyers from Massachusetts, New Hampshire, Florida, and New York. Notably, single women have emerged as a significant group, accounting for approximately 24 percent of home purchases. Another growing segment includes multigenerational buyers and those pooling resources, reflecting broader social trends in family dynamics and economic cooperation.

Another development in recent years has been the increased use of home equity by buyers. Many homeowners are leveraging their accumulated wealth to make cash offers on their next property. Buyers are also. Some 25 percent of first-time home buyers used a gift or loan from a relative or friend for their home purchase and another 20 percent borrowed from their 401Ks or removed funds from other financial assets. This underscores the resilience of the housing market, as buyers find creative ways to navigate higher interest rates and other economic pressures.

However, challenges to affordability persist. The cost of homeownership continues to rise, influenced by factors such as increasing property taxes and rising homeowner's insurance premiums. These expenses add to the overall cost burden, particularly for first-time buyers who may already face difficulties saving for down payments. Addressing these affordability challenges will be crucial in ensuring a healthy and accessible housing market. By focusing on expanding inventory and addressing affordability challenges, the housing market can foster a more inclusive and sustainable environment for all participants.

Nicole Foster is a real estate Broker with nineteen years of experience helping buyers, sellers and investors in southern Maine. Follow Nicole on Instagram 207nicolefoster or facebook.com/sellingmaine. <

Why historic weather events are stretching home insurers to their limits in Maine

By Tricia Zwirner

Maine, known for its picturesque landscapes and serene coastal charm, is increasingly grappling with the impact of historic weather events. In recent years, the state has been buffeted by a series of unprecedented storms, including severe winter weather, intense rainfalls, and damaging hurricanes. These extreme weather phenomena are not only affecting the lives of residents but are also placing immense pressure on home insurance providers. Understanding how and why these events are stretching insurers to their limits is crucial for homeowners and policymakers alike.

Increased Frequency and Intensity of Claims

One of the primary reasons for the strain on home insurers in Maine is the rising frequency and intensity of weather-related claims. The state has witnessed a significant uptick in severe weather events, leading to a surge in claims from homeowners seeking assistance for damage. For example, record-breaking winter storms have caused heavy snowfall, leading to roof collapses and extensive property damage. Similarly, hurricanes and tropical storms have resulted in severe flooding, eroding coastal areas and damaging homes. Insurers are overwhelmed by the sheer volume of claims, which has created a backlog in the claims processing system, making it difficult to provide timely support to policyholders.

Escalating Repair and Replacement Costs

The financial implications of these weather events extend beyond the number of claims. The costs associated with repairing and replacing damaged property have skyrocketed. Factors such as supply chain disruptions, inflation, and increased demand for construction materials have led to higher prices for repairs. For instance, lumber and other building materials have seen significant price increases, affecting the overall cost of rebuilding. Insurers must account for these rising costs, which often leads to larger payouts for claims. This escalation can strain their financial resources and, in some cases, lead to increased premiums for homeowners.

Limited Availability of Qualified Contractors

In the aftermath of severe weather events, there is often a shortage of qualified contractors available to carry out necessary repairs. This limited availability can lead to delays in processing claims and completing repairs, which further exacerbates the strain on insurers. Homeowners may find themselves waiting weeks or even months for repairs to be completed, resulting in additional damage and frustration. The backlog of claims, coupled with a reduced pool of contractors, puts additional pressure on insurance companies to manage customer expectations while fulfilling their obligations.

Evolving Risk Assessment Models

Insurers traditionally rely on historical data to assess risk and set premiums. However, the changing nature of weather patterns due to climate change complicates this process. As Maine experiences more frequent and severe weather events, insurers must adapt their risk assessment models. This may result in increased premiums or changes in coverage options, as companies seek to align their pricing with the evolving landscape of risk. The challenge lies in accurately predicting future weather patterns while still providing affordable insurance options for homeowners.

Regulatory and Market Pressures

The rising claims and operational costs have led many insurers to raise premiums, limit coverage, or withdraw from high-risk areas altogether. This trend leaves homeowners with fewer options and higher costs, creating a cycle of financial strain for both insurers and policyholders. Regulatory pressures can also influence insurers’ decisions, as they navigate the complexities of state guidelines while trying to remain competitive in the market. Policymakers may face pressure to implement regulations that protect consumers from excessive rate hikes, but these measures can also limit insurers' ability to respond effectively to rising risks.

Long-Term Climate Trends

The impact of climate change means that historic weather events are likely to become more common in Maine. Insurers must develop new strategies to address these evolving risks, which often involve significant adjustments to their business models and pricing structures. Some insurers are exploring alternative insurance models that incorporate climate risks more effectively, such as parametric insurance, which offers payouts based on specific weather triggers rather than traditional claims processes. However, these models require a fundamental rethinking of how insurance products are designed and delivered.

Emotional and Financial Strain on Homeowners

The consequences of these weather events extend beyond physical damage; they also take a toll on homeowners’ emotional and financial well-being. Many residents experience stress and anxiety as they navigate the complexities of recovering from storm damage, compounded by fears of rising insurance costs. This emotional strain can lead to increased scrutiny of insurance practices and heightened expectations for support from insurers.

Conclusion

The combination of rising claims, escalating costs, limited contractor availability, and changing risk landscapes is pushing home insurers in Maine to their limits. As historic weather events continue to challenge the industry, the need for innovative solutions and collaborative approaches is more urgent than ever. Insurers, policymakers, and homeowners must work together to develop strategies that enhance resilience and ensure that all parties can navigate the complexities of an increasingly volatile climate.

By fostering open communication, investing in resilient infrastructure, and promoting disaster preparedness, stakeholders can better equip themselves to face the challenges ahead. Through education, collaboration, and strategic planning, Maine can navigate the intricacies of climate change while ensuring its residents are protected and supported in the face of future storms.

Tricia Zwirner is a State Farm agent celebrating her 21st year in Windham. She and her team would love to hear from you and can be reached via phone and text at 207-892-2864 or via email at tricia@TRICIAZWIRNER.com. <

Fire Safety for Stick Season

By Warren O’Shea

I was in the midst of putting together an article about the typical winter prep suggestions like turning off and draining outdoor spigots, disconnecting garden hoses, air sealing windows, and breaking down what frequently causes ice dams when I smelled the smoke.

It wasn’t that comforting, seasoned hardwood in the woodstove on a damp and chilly morning that gets the yuletide juices flowing type of smoke. It was plastic. Nauseous and toxic plastic. White, double 4-inch with faux embossed wood grain vinyl siding plastic to be overly specific. Of course, I think to myself, “it’s only 50 degrees out, it’s way too warm to burn plastic.”

I then looked out my window and saw the smoke. And I think to myself,” it’s way too warm to burn a boatload of plastic.”

This begins my article. My neighbor’s house caught on fire. Everybody is safe, the family cat “Bob” took refuge under my ‘79 International Scout in the barn where I find him sometimes. He’s an aloof guy and for the most part, has stopped peeing on my dropcloths. I believe we have come to a silent understanding. The home appears to be a total loss. Five towns responded and a backhoe was called in to pull the metal roof off to get to the burning rafters.

No word yet as to what started the fire, but I will use this as an opportunity to convey what I know about the fire safety code in no particular order. You may have heard this before but…. Smoke detectors only work if they have power to them. Hard wired, interconnected, photo electric, with battery back-up is the standard. It is a good idea to test them monthly.

There currently is no “National Change Your Smoke Detector Battery Day” but it is recommended by the National Fire Protection Association (NFPA) to replace old batteries with new ones every six months and replace the detector itself every 10 years. It is a common First Responder recommendation to change the batteries in your alarms when Daylight Savings begins in the spring and ends in the fall, as this is an easy way to remember to do it twice each year.

Egress windows for bedrooms

In Maine, egress windows must meet the following minimum size. A minimum of 5.7 Square Feet, a minimum height of 24 inches, a minimum width of 20 inches, and be no more than 44 inches above the finished floor. These minimums are not based entirely on the occupant’s ability to escape but by the fire/rescue personnel, and their gear, to enter the building.

Fire extinguishers

Our friends at NFPA have some more recommendations. A multipurpose ABC, dry chemical extinguisher is a good choice for homes but needs to be readily accessible, stored away from a heat source, and kept out of reach of children and a certain Black Lab named Misha (buy me a beer and I’ll tell you the story). You should also consider keeping an additional “Class K” extinguisher in your kitchen for cooking fires. Class K extinguishers use alkaline chemicals to mix with cooking oils and fats to form a foam that cools the fire. In an emergency baking soda or salt can be used only if the fire is small. It takes a lot of baking soda to do the job, so be sure to sprinkle in an even layer. The heated powder releases Carbon Dioxide which smothers the flame.

Plan for fire emergency

Pull together everyone in your household and make a plan. Walk through your home and inspect all possible exits and escape routes. Households with children should consider drawing a floor plan of your home, marking two ways out of each room, including windows and doors. You can share your updated floor plan with the town office, so they have it in your property file. Rescue personnel can pull that floor plan en route and be able to navigate through the home more quickly than they could otherwise.

This is just a short list of what you can do to prepare for a worst-case scenario. When it happens, it happens so fast there is little time to think. Preparation is the key.

Warren O'Shea is the owner of O’Shea Builders LLC, Maine’s most award-winning remodeling contractor. He has 35-plus years of residential remodeling experience. He is a certified home inspector and has been featured on HGTV, Food Network, and Maine Cabin Masters. He is a recipient of the Portland Police Department’s “Citizen Award,” and is a staunch consumer advocate. Warren has, and continues to, co-author articles for nationally distributed trade magazines. <

Election is over, strong real estate market is not

By Matt Trudel

The election is complete, and another interesting thing happened in November. The Feds lowered the federal funds target range by 25 basis points to 4.5 to 4.75 percent.

Many analysts believe that at the next Fed meeting on Dec. 17 and Dec. 18, we will see another rate drop of .25 percent. This would continue to remain on track with the Feds plan to get interest rates down next year. Lower rates give buyers more purchasing power because it allows them to borrow more money while keeping the payment the same. Buyers need to start planning now so they are ready to go the first of the year.

Get your finances in order ahead of time so you are prepared when it comes time to make an offer when your dream home hits the market. You should have a savings account of some type set up for your housing purchase. You will need funds for inspections, tests, and closing costs. This can be more than most people realize. These are all things your buyer’s agent should be going over with you.

If you do not have or have not selected a real estate agent to work with as your buyer’s agent, that is the first thing you should be doing. There is a lot to consider when choosing a realtor to work with on what is one of the bigger financial decisions people have to make.

Find a REALTOR with plenty of experience. This will pay off in many ways and make the whole process smoother and less stressful. Negotiating price is just a small part of the transaction and not the most important part often when successfully putting a deal together.

Talk with a few realtors and ask them about previous deals and people they have worked with. I would also ask them about their policy if you decide that it isn’t working out great, and you want to change realtors. Not all agents charge the same percentage and that varies from office to office.

There are also the new real estate regulations that I wrote about in my last article which almost makes it mandatory for buyers to have a buyer’s agent prior to viewing a home that is listed. Realtors are basically not allowed to show other agencies listings unless they have a signed buyer’s agreement.

Remember that savings account we mentioned for closing costs. Part of your closing costs will be the commission that your buyer’s agent is going to be paid. It may be able to be negotiated that the funds will come from the seller’s proceeds, but sometimes the seller is only willing to pay a portion of what is owed. This is all information that you should be told upfront before looking at any property so you can make better informed decisions. This is also something you should discuss when interviewing prospective Realtors who want to represent you as your buyer’s agent.

Like I said before, not all agencies charge the same percentage when representing buyers. Also, if the seller is offering to pay out a higher percentage of commission than what you negotiated with your buyer’s agent, shouldn’t you receive those extra funds toward your closing costs?

I do feel we are going to have another strong real estate market next year and probably for at least two years. It will be very competitive for buyers and likely faced with many multiple offer situations. This is another area that having a buyer’s agent with years of experience in dealing with these situations can make all difference between a successful transaction, or another missed opportunity for you. This is an important decision, and you should not worry about hurting a friend or family member’s feelings because you made the choice to work with another realtor. You need to make the best decision for yourself.

This article was written by Matthew Trudel, Broker/Owner of Five Star Realty, Windham 207-939-6971Windham. 207-939-6971. <

How elections impact Maine’s real estate market

By The Libby Starnes Team at Signature Homes Real Estate Group

As Mainers head to the polls each election cycle, many of us think about the impact of elections on our communities, but few pause to consider how political shifts may influence the housing market. In real estate, elections can have ripple effects, shaping everything from mortgage rates to property values.

Here’s a look at how elections impact real estate in Maine and what that might mean for you as a homeowner, buyer, or seller.

1. Economic Policies and Their Influence on Housing Prices

One of the most immediate ways that elections impact real estate is through economic policies. The incoming administration’s stance on taxation, interest rates, and overall economic growth can impact the housing market. For instance, tax cuts or increases can affect people’s disposable income, which in turn influences housing affordability.

Similarly, a pro-housing policy from the federal level might incentivize homeownership, driving demand, and potentially increasing home values. In contrast, policies that make borrowing more expensive can reduce affordability and slow the market. While these effects may vary, any shift in administration often brings changes that impact housing values in Maine.

2. Mortgage Rates and Buyer Affordability

Mortgage rates fluctuate based on the overall economic climate, which can be influenced by election outcomes. When confidence in the economy is high, the Federal Reserve may raise rates to balance growth and inflation. On the other hand, uncertainty or concerns about economic instability could lead to lower rates as a stimulus.

Mainers looking to buy a home should consider how political changes could influence interest rates in the months ahead. For instance, a change in policy that encourages fiscal stimulus could drive up inflation and, consequently, mortgage rates, affecting buyer affordability. Lower rates often result in more buyers entering the market, creating competition for homes and potentially pushing prices up.

3. Housing Policies: Affordable Housing, Development, and Zoning

Local and state elections, just as much as national ones, can significantly impact the Maine housing market, especially regarding affordable housing and zoning policies. Maine communities, including the Greater Portland and Lakes Region areas, have seen an increased push for affordable housing solutions in recent years.

Candidates who prioritize affordable housing initiatives may create opportunities for first-time homebuyers or those seeking to downsize. On the other hand, policies that limit new development or impose strict zoning restrictions can reduce available housing, putting pressure on prices due to low inventory. It’s important for buyers and sellers alike to understand their local candidates' positions on housing policies as they directly impact availability and affordability in the market.

4. Consumer Confidence and Market Stability

Election cycles often bring periods of uncertainty, which can make both buyers and sellers cautious. When consumers feel uncertain about future policies, they may choose to wait until after the election to make significant financial decisions, including buying or selling a home. This "wait-and-see" approach can slow down the market temporarily.

However, as soon as election results are in and the direction of policies becomes clearer, market activity often picks up. Understanding this cycle can help sellers know when they might encounter more motivated buyers or face less competition in the market. The key takeaway for Mainers? The real estate market is often cyclical, influenced by shifts in consumer confidence around elections.

5. Property Taxes and Home Values

One of the most direct effects of elections on real estate is property taxes. State and local leaders can pass or increase property tax measures, which can impact the cost of homeownership. While property taxes provide essential funding for schools, public services, and infrastructure, higher taxes can discourage potential buyers, especially those on a tight budget.

In Maine, property tax policies have a pronounced effect on the local market since property taxes vary significantly across towns. Policies that address tax relief for homeowners or promote responsible budgeting can be a relief for property owners. This is particularly relevant in the Lakes Region and other rural areas where property tax rates can influence decisions to buy, sell, or stay put.
Preparing for the Future

For Maine residents, understanding the connection between elections and real estate is essential. Regardless of the outcomes, staying informed about proposed policies and economic shifts can help homeowners, buyers, and sellers make strategic decisions. As always, having a trusted real estate team can provide you with insights on timing your decisions based on market conditions, interest rates, and local housing policies.

At the Libby Starnes Team, we’re committed to helping you navigate the complex world of real estate, no matter the political climate. Whether you're considering buying, selling, or simply exploring options, we're here to support you every step of the way.

Pamela Starnes and Tiffany Libby are the Libby Starnes Team with Signature Homes Real Estate Group. Call them at 207-838-8051 or 207-712-2424 or visit them online at www.libbystarnesteamhomes.com. <

Home Buyers and Sellers 2024 Trends Report

By Lisa DiBiase

Navigating the world of real estate can be a complex and often overwhelming experience, whether you're buying your first home or selling a long-time residence. As the real estate market evolves, so do the motivations, needs, and preferences of buyers and sellers across generations. In light of recent updates to real estate practices, working with a Realtor® has become even more advantageous for buyers and sellers alike. Realtors® are committed to greater transparency in pricing and can help clients understand how every aspect of their transaction is structured. With updated practices designed to prioritize the client’s interests, Realtors® continue to provide valuable market knowledge and negotiation expertise, ensuring buyers and sellers get the best possible results. These changes have reinforced Realtors®' dedication to professionalism, making them essential partners in navigating the real estate process confidently and effectively.

The National Association of Realtors® (NAR) has published its 2024 Home Buyer and Seller Generational Trends report, revealing some intriguing statistics that highlight the advantages of working with a Realtor®. Whether buying or selling a property, the process involves many complex aspects that benefit from a Realtor’s® expertise and guidance.

This comprehensive study offers key insights into the behaviors and priorities of home buyers and sellers, revealing valuable information about the benefits of working with a Realtor®. The report highlights the diverse, generation-specific reasons for engaging with a Realtor®, emphasizing the critical role that expert knowledge and experience play in making real estate transactions smoother and more successful. Whether you’re buying or selling, a Realtor® can provide the guidance and support needed to navigate each step of the process. To request a copy of this report, please reach out to me using my contact information provided at the end of this article.

What Sellers want from their Realtor®:

22 percent Help sell the home within specific time frame

21 percent Help price home competitively

20 percent Help seller market the home to potential buyers

14 percent Help seller find ways to fix up home to sell for more $

11 percent Help find a buyer for home

6 percent Help with negotiation and dealing with buyers

3 percent Help with paperwork/inspections/process

How long Sellers own home before selling:

1 year or less 2 percent

2-3 years 12 percent

4-5 years 14 percent

6-7 years 12 percent

8-10 years 12 percent

11-15 years 12 percent

16-20 years 11 percent

Younger Boomers made up one of the largest shares of home sellers at 26 percent and had a median age of 64 years. Gen Xers made up the second largest share of sellers at 23 percent with a median age of 52 years.

Across all age groups, 89 percent of home sellers chose to work with a real estate agent to sell their homes.

The top reason for selling a home among all sellers was to move closer to friends and family at 23 percent. This was followed by the home being too small at 13 percent, and a change in family situation at 10 percent. Older generations were more inclined to move closer to family or friends, while younger generations were more likely to seek a larger home.

Sellers typically lived in their homes for 10 years before selling. Younger Millennials stayed in their homes for 4 years, compared to 15 years for sellers 59 and older.

Benefits of using a Realtor® for Buyer:

61 percent Help understand the process of either buying or selling

58 percent Pointed out unnoticed features/faults with property

46 percent Negotiated better sales contract terms

46 percent Provided a better list of service providers

45 percent Improves knowledge of areas and comparables

33 percent Negotiated a better price

29 percent Shortened buyer’s home search

23 percent Provided better list of mortgage lenders

What Buyer’s want from their Realtor®:

50 percent Help finding the right home to purchase

12 percent Help negotiating the terms of sale

11 percent Help with price negotiations

7 percent Determine what the comparables are for the property

7 percent Help with paperwork

Across all generations, the first step in the home buying process is typically searching online for properties. The use of the internet in home buying is closely linked to age, with younger buyers more likely to rely on online resources throughout the entire purchasing process.

Buyers typically searched for 10 weeks and looked at a median of seven homes. The length of the home search was the longest for Gen Xers, at 11 weeks, and shortest for the Silent Generation, at just 6 weeks.

For more than half of home buyers, the most difficult step in the home buying process was finding the right property at 59 percent. This was even higher for Younger Millennials at 64 percent. Photos were the most useful website feature for nearly nine in 10 buyers aged 58 and under. Detailed information about properties for sale was also very important to all age groups.

As I have said before, please call a local REALTOR for all your real estate needs no matter how big or small. We are trained professionals here to make your life easier. It's best to surround yourself with the right team of professionals that can continuously give you the right advice for all your circumstances.

Lisa DiBiase, Broker and Owner of Landing Real Estate, represents buyers and sellers throughout Greater Portland and surrounding areas. For all your real estate needs, contact Lisa at lisa@landinghomesmaine.com or call 207-653-0823. <

 

Commercial Leasing Basics

By Larry Eliason

A commercial lease for any business can be a large expense and commitment for any business. Commercial leases are a lot different from residential leases as they have provisions that could impact your business from an economic standpoint to practical use of the space.

Whether it is for a small office, retail, warehouse, commercial garage or a ground lease, a Tenant should perform and do some due diligence to assure that the space and the site are properly zoned for the proposed use. In many towns, Building and Life Safety Codes will certainly be part of the discussion for occupancy.

Below you will see some highlights of what to expect in a commercial lease agreement. 

AGREEMENT of Lease made this 31st day of October 2024, by and between 123, LLC (hereinafter “Landlord”) and XYZ, LLC (Hereinafter “Tenant”).

WITNESSETH

That Landlord for and in consideration of the rent reserved, covenants and agreements hereinafter set forth to be kept, observed, and performed by Tenant, has demised and leased, and does hereby demise and let unto Tenant…

1. Description Leased Premises. Landlord does hereby lease and rent unto Tenant, one commercial building…

2. Terms. The term of this Lease shall be for a period of Five (5) years commencing on November 1, 2024…

3. Rental. Tenant agrees to pay to Landlord as rent, the sums as set forth in Schedule “A”…

4. Renewal. At the expiration of the term of this Lease, said Lease may be renewed at the option of the Tenant for two (5) year options on the same terms and conditions of this Lease excluding as to rent…

5. Security Deposit. Upon the execution of this Lease, Tenant shall pay to Landlord the sum of $ 000.00, which may be held by Landlord throughout the term of this Lease…

6. Specific Use. The Tenant may use the Demised Premises for Commercial Uses allowed by Local and

State Laws…

7. Personal Property Taxes. Tenant will pay all personal property taxes levied or assessed in respect of the personal property and trade fixtures on the Demised Premises belonging to or used by the Tenant.

8. Real Estate Taxes. Tenant shall pay all real estate taxes assessed against the Demised Premises.

9. Insurance by Landlord. Tenant shall, at his expense, maintain extended fire insurance protection for  the Demised Premises. 

10. Insurance by Tenant. Tenant shall maintain, at his/her expense, insurance protection for his/her own personal property and his/her leasehold improvements…

11. Utilities - Refuse. Tenant shall, at his/her expense, provide for reasonable electricity used of consumed in/at the Demised Premises…

12. Verification of Expenses. N/A

13. Assignment - Sublease. Tenant shall have the right to sublet the Demised Premises or any part thereof to any person with Landlord’s express written consent, which shall not be unreasonably withheld or delayed…

14. Signs. Tenant may not place any signs on the building or in or on windows or doors without Landlord’s express written consent…

15. Alterations and Improvements. Tenant will not make any interior or exterior improvements, modifications or alterations to the Demised Premises without the prior written approval of the Landlord…

16. Trade Fixtures. All trade fixtures including shelving, light fixtures, and other equipment installed by and at the expense of Tenant shall remain the property of Tenant…

17. Repairs and Maintenance. Tenant shall repair, renovate and maintain at its expense the Demised Premises including interior non-structural portions thereof and plate glass in as good order…

18. Indemnity - Security. Tenant agrees to indemnify and hold harmless the Landlord from and against all claims and demands of whatever nature arising from or caused by any act, omission or negligence of Tenant or of Tenant’s contracts, licensees, invitees, guests, agents, servants or employees…

19. Maintenance of Common Areas - Contribution. Landlord shall cause all common areas in the building of which the Demised Premises are a part, including the walkways and parking lot and to be maintained in good repair and condition…

20. Access. Landlord shall have access to the Demised Premises during reasonable hours for the purpose of insuring compliance with this Lease…

21. Requirements of Law - Insurance Rates. Tenant shall comply with all laws, orders, ordinances and regulations of Federal, State, County and Municipal authorities and with any direction of any public officer or officials pursuant to law, which shall impose any duty, obligations or limitation upon Tenant with respect to the Demised Premises or the use thereof…

22. Insurance. Insofar as and to the extent that the following provision may be effective without invalidating or making it impossible to secure insurance coverage obtainable from responsible insurance companies doing business in Maine, the Landlord and Tenant mutually agree that with respect to any loss which is covered by insurance then being carried by them respectively…

23. Fire Clause. If the Demised Premises or the building in which the Demised Premises are located during the terms of this lease be so destroyed or damaged by fire or other unavoidable casualty as to render the Demised Premises or any portions thereof unfit for occupancy, then the rent herein before reserved…

24. Condemnation. If any portion of the Demised Premises shall be condemned for any public use by any legally constituted authority, then is such event as to said portion of the Demised Premises, this Lease shall terminate from the time when possession it take of such public authority and the rents herein reserved from said portion of the Demised Premises shall be abated as of the date of the surrender of possession is taken by such public authority….

25. Default and Landlord’s Remedies. It is covenanted and agreed that if the Tenant shall neglect or fail to perform or observe any of the covenants, terms, provisions or conditions contained in the Lease on his part to be performed or observed, or if the estate hereby created shall be taken on execution or by other process of law, or if the Tenant shall be declared bankrupt or insolvent according to law…

26. Subordination. This Lease is and shall be subordinate to the lien of any mortgage or mortgages, which are now or may hereafter be placed on the premises of which the Demised Premises are a part…

27. Waiver. Failure of Landlord to complain of any act or omission on the part of the other, no matter how long the same may continue, shall not be deemed to be a waiver by Landlord of any of his rights hereunder…

28. Quiet Enjoyment. So long as Tenant pays the rent and performs the covenants required of if hereunder, Tenant may peacefully hold and enjoy the premises during the term…

29. General. This Lease shall inure to and be binding upon the respective successors, heirs, executors, administrators and assigns of the Landlord and Tenant. This Lease is made in and shall be governed by and construed in accordance with the laws of the State of Maine…

30. Notices. Whenever by the terms of this Lease, notice shall or may be given either to the Landlord or to the Tenant, such notice shall be in writing and shall be sent by registered or certified mail, return receipt requested, postage prepaid to Landlord’s and Tenant’s addresses as set forth above…

31. Late Fee. All rent payments received after the 10th of each month will be subject to a 5% late fee of the total rent.

32. Addendum. See addendum “A” for additional agreements. 

IN WITNESS WHEREOF, Landlord and Tenant have caused this lease to be executed in, duplicate under seal the day and year first above written.

SIGNED, SEALED AND DELIVERED, This 31st day of October 2024 Landlord and Tenant signatures…

Tenants today should consider engaging a Commercial Real Estate Agent Broker assist them with the leasing process including market conditions so expectations can be met.

And in many cases, a Real Estate Attorney should also be engaged to review and negotiate some of the terms of the lease agreement depending on the size, scope, and complexity of the lease.

Larry Eliason is a Commercial Broker with Butts Commercial Brokers, 1265 Roosevelt Trail, Raymond. He can be reached at 207-415-2112 or by email at LarryEliasonBCB@gmail.com. Visit www.ButtsCommercialBrokers.com <

Should you rent or buy?

By Richie Vraux

Should I rent or should I buy? There are many things to consider whether you rent or buy today.

Richie Vraux is a Real Estate
Broker/Realtor with Pine Tree
Realty of Maine in Windham.
SUBMITTED PHOT

The world has so many uncertainties so consider what will work best for you and your family.

Consider the 5-year plan: If you move around or travel a lot you might find renting to be a better option while those wanting to create roots in a single location will find buying to be a better choice. It is really a decision you want to choose wisely.

Consider the time and money needed to maintain a home: If you rent and something breaks or something doesn’t work effectively, you can call your landlord to fix it.

But when you buy a home, you will be the one keeping up the maintenance of your home. It is always good to set aside money for a rainy-day fund to have extra money when those issues occur, and yes, they always do.

Make sure you carefully weigh in on all the factors of renting versus owning.

Buying a home is a big commitment but can have many benefits. If you enter into a 30-year mortgage agreement, you have several tax benefits of buying.

Renting really has no tax benefits unless you work from home or similar work-related benefits.

Yes, you do have property taxes that need to be paid every year and don’t forget insurance to cover any loss you may have, but I believe owning has many more benefits than renting.

Buying a home is typically best if you have a stable job and plan on remaining in your home for several years. Renting a home provided more flexibility. However, it can also result in higher costs as housing costs continue to rise.

This is because rentals are usually short term and have a12 month window, or longer depending on yours or the landlord’s situation. But at the end of your lease, there is no guarantee the rents may increase. It’s always a crap shoot. There is no current cap on landlords’ fees, so you just never know.

On the other hand, unless you are in a variable rate mortgage or have a mortgage rate less than 15 or 30 years, it will stay the same until it is paid off. You will not have to pay taxes if you are renting, that is up to the landlord.

The cons of renting are your monthly housing costs are not stable year to year. You don’t get to build equity with each rental payment. The landlord gets all the rental benefits here. In the rental market you do not have control whether the landlord sells the property. At that point you are under the gun to find a suitable rental within a short period of time. Then you want to stay in the same school district for your children.

Renting is a good idea when you move out of mom and dad’s home, and you are off to college, or your job makes you move from place to place.

Purchasing a home is the American Dream people always want, but some people don’t want commitments and are certainly satisfied renting. Paying off a mortgage over 30 years is usually cheaper than renting but may not be the best choice for everyone.

Many factors in different markets affect affordability, making it difficult to determine which option will work best for you. Deciding to purchase a home is a personal choice that only you can answer.

If you need advice about choosing which way you should go, feel free to contact me. Richie Vraux is a Real Estate Broker/Realtor with Pine Tree Realty of Maine, 76 Tandberg Trail, Windham. Call him at 207-317-1297 or reach him by email at richardjvraux@gmail.com <

Homeowner’s Guide to Fall Home Maintenance

Compiled by Jonathan Priest

Fall brings colorful leaves and cooler temperatures, but seasonal home care should also be on the calendar because winter has no mercy on homes unprepared for its surprises.

Roof and Exterior

A visual inspection of a home, from the chimney to the foundation, can help reveal vulnerabilities that lead to trouble when wind, freezing temperatures, snow or winter rains rule. Homeowners can use a drone or binoculars to look for debris, which will need to be cleaned up, and missing or loose shingles, which should be fixed or replaced before they lead to leaks. Overhanging tree limbs should be trimmed, so they can’t come down, potentially puncturing the roof and causing leaks, water damage and mold.

Fall and winter are also prime time for rodents to come indoors for warmth; seal up even the smallest holes and gaps in the foundation, attic or crawl spaces. Firewood should not be stored against the house because it can cause a beetle and/or termite infestation.

Gutters

To keep gutters running well, check them monthly for twigs, leaves and other debris. Plan bigger cleanings — including running water down all the downspouts — both before autumn leaves fall and again after trees are bare, to be sure fall and winter rain and snowmelt can flow down and away from the house — instead of into the walls, which can cause rot and mold and invite insects.

Clogged gutters — along with poorly ventilated roofs and under-insulated attics — are also a common culprit for damaging ice dams. Ice dams form when rooftop snow melts and refreezes, building up thick layers of ice that eventually push into joints and cracks in the roof and cause leaks.

Landscaping

Some experts note that grass will fare better if it is fertilized after the hottest days of summer are over, when the fertilizer can encourage blade growth and strengthen the root system for winter. Rake off all leaves and give the lawn a final mowing once it stops growing. (A local garden center can guide you on fertilizer formulas suited to your climate and lawn.)

Fall is also a good time to cut dead branches off trees, according to the Arbor Day Foundation, but pruning for shape and size should wait for late winter or early spring.

Outdoor furniture

Umbrellas and furniture that could be blown over can be brought inside or stacked and weighted down, to reduce the risk of damage. Grills should be moved indoors and outdoor appliances, such as mini fridges, should be unplugged.

Doors, windows and other drafty spots

To keep houses warm without sending heating bills through the roof, and to save energy, the federal Environmental Protection Agency recommends sealing spots where cold air can sneak in, focusing on the attic, foundation and around windows and doors. Caulking, weather stripping and door draft guards can be inexpensive DIY fixes.

For single-pane windows, adding plastic film or storm windows reduces heat escape and cold penetration. Replacing them with insulating double-paned windows is a more expensive option.

Heating

A good time for an annual HVAC system check — to look for wear in parts like the blower motor — is before having to turn on the heat, according to the International Association of Certified Home Inspectors.

Also, check with local utilities to see if they offer free energy audits or rebates for energy-efficient appliances, including furnaces. It is also good practice to change furnace filters every 60 to 90 days.

Thermostat

Using a programmable thermostat or adjusting a manual thermostat before leaving the house or going to bed, can cut the heating bill by as much as 30 percent while still keeping a home cozy, according to the EPA. Consumers can find Wi-Fi-enabled thermostats, which can be managed remotely via smart phone, for about $100 to $300.

Basement

Along with cleaning gutters, making sure a basement is ready for winter means checking the foundation for cracks, which freezing water can widen and make for a very expensive repair. Sump pumps need to be checked for wear.

The big payoff is savings on repairs — and peace of mind.

This article was brought to you courtesy of Farmers Insurance agent, Jonathan Priest, with an office at 57 Tandberg Trail, Suite 7, Windham and StaySafe.org. Call him at 207-893-8184 or send him an email at jpriest1@farmersagent.com <

Why does it seem like everyone is moving to Maine?

By Carrie Colby

Maine’s rising popularity is a fascinating trend influenced by several factors that resonate with a diverse range of people. Here are some key reasons why more folks are calling this beautiful state home:

1. The Weather

Maine’s climate presents a unique blend of experiences. While winters can be brutally cold, the summers are a highlight, offering mild temperatures and plenty of outdoor activities without the oppressive heat found elsewhere. Residents can enjoy hiking, biking, and water sports in the warmer months, making the most of the state’s stunning natural landscapes.

2. Air Quality and Climate Change

With climate change impacting many regions, Maine has emerged as an appealing refuge. Its relatively stable weather, lower incidence of natural disasters like hurricanes and wildfires, and overall good air quality attract those looking for a safer, more sustainable environment.

3. Quality of Life and Peace of Mind

Safety is a major draw for many. Maine consistently ranks as one of the safest states in the U.S., making it an ideal place for families. The sense of community is strong, and many residents appreciate the slower pace of life. This environment fosters peace of mind, where people feel comfortable letting their kids play outside and engaging with neighbors.

4. Remote Work Opportunities

The pandemic accelerated the trend of remote work, allowing many individuals and families to relocate without the constraints of proximity to their offices. Maine’s serene environment and access to nature have proven irresistible for those looking to enhance their work-life balance.

5. Outdoor Recreation

Maine is a haven for outdoor enthusiasts. From hiking the Appalachian Trail to kayaking in its many lakes and rivers, and even skiing in winter, the state offers abundant recreational opportunities that appeal to nature lovers and adventure seekers alike.

6. Community and Culture

Maine boasts a rich cultural heritage, with vibrant arts, food, and local traditions. The state’s renowned seafood, particularly its lobsters, is a culinary draw, and many towns host festivals that celebrate local culture and community spirit.

7. Affordable Living

Compared to many urban centers, Maine offers relatively affordable housing options. This affordability can be especially attractive to those moving from high-cost areas, allowing for a higher quality of life without breaking the bank.

In summary, Maine’s combination of stunning landscapes, a strong sense of community, safety, and growing remote work opportunities makes it an appealing choice for many people looking to relocate. Whether seeking a peaceful lifestyle, better air quality, or simply a place to enjoy the outdoors, Maine is increasingly becoming a top destination.

Carrie Colby is a Broker with Allied Real Estate, 909 Roosevelt Trail in Windham. She can be reached at 207-232-5497. <

Is a condo right for you?

By Nicole Foster, Broker/ REALTOR

A growing segment of the residential single-family real estate market is struggling to keep pace with the strong demand from buyers of all ages who are seeking the condo living experience.

A condominium, often referred to as a "condo" for brevity, is a unique type of residential property that is privately owned but located within a larger complex or community. Condos can take various forms: they might be situated within a multi-story building, share walls with neighboring units, or even be standalone structures often termed “house-a-minimum” allowing for different living experiences, catering to a range of lifestyles and preferences depending on its location.

Condos are particularly appealing to individuals seeking to simplify their lives, such as those looking to downsize after a larger family home or first-time buyers eager to transition from renting to owning. Many find that condos provide an excellent opportunity to start building equity, as they are generally more affordable than traditional single-family homes. This affordability makes them an attractive starter home option for many, enabling buyers to invest in real estate for less money.

Living in a condominium typically entails fewer responsibilities compared to homeownership, fostering a more relaxed lifestyle with increased leisure time. This can be especially beneficial for those who wish to spend less time on maintenance and upkeep and more time enjoying their surroundings and pursuing personal interests.

One of the primary distinctions between owning a single-family home and a condominium lies in the ownership structure. When purchasing a single-family home, the buyer acquires both the dwelling and the land it sits on. In contrast, when you buy a condo, you own your individual unit but share ownership interest of the land and communal areas with all the other residents within the complex. This shared ownership model often results in a collaborative living environment.

In terms of maintenance responsibilities, condo owners enjoy a significant advantage. In a single-family home, the homeowner is responsible for all aspects of property upkeep, including repairs, landscaping, and snow removal. However, in a condominium, many of these tasks are managed by the homeowners’ association (HOA) or a property management company. This arrangement can be particularly appealing to individuals who wish to own real estate without the burden of owning and maintaining tools and equipment, such as lawnmowers or snow blowers.

The costs associated with condo living typically include monthly fees that contribute to the overall maintenance of the community. These fees can range significantly, often falling between $100 and $700 or more, depending on the amenities and services provided. Most frequently, these fees are collected on a monthly basis, although they can also be charged quarterly or annually. For complexes with upscale amenities—such as swimming pools, fitness centers, or concierge services—the fees may be higher. It’s essential for prospective buyers to inquire about what these fees cover and how frequently they are collected. Additionally, owners may be subject to one-time assessments for upcoming repairs or improvements within the complex, which can also impact their financial obligations. Owners usually have options regarding payment for these assessments, whether in a lump sum or through installment plans.

Living in a condo also means embracing a sense of community, which comes with adhering to the rules and regulations set forth by the homeowners’ association. These guidelines can be quite comprehensive, covering a range of topics such as parking restrictions, quiet hours, clothes lines, pet policies, guidelines for outdoor grilling, and regulations regarding the renting out of units—an important factor that can influence resale value. It is crucial for potential buyers to thoroughly review all governing documents to fully understand their restrictions and responsibilities as a condo owner.

Before purchasing a condo, it is critically important to assess the overall financial health of the condominium community. Prospective buyers should request access to the most recent financial statements and accounting records to ensure the community is well-managed and financially stable.

If you are contemplating purchasing a condo as your next home, be sure to have a discussion with your lender. The financing for a condominium can involve additional considerations and requirements compared to a traditional home purchase and understanding these aspects will help determine if your loan would be suitable for a condo.

Nicole Foster is a real estate Broker with nineteen years of experience and a Windham parent. Follow on Insta @207nicolefoster or Facebook facebook.com/sellingmaine <

Interior Design – The Balance between Scientific Principles and Artistic Creativity

By Theresa Bouchard

Yes, interior design is both a science and an art form. There are many considerations when designing a home that relates to science principles such as psychology, color theory, geometry, scale, and sustainability. Science and artistic creativity are combined to create beautiful, aesthetically appealing, sustainable spaces to create that emotional connection between individuals and their homes.

Our homes are our safe place, our sanctuary. Although vacations, quick trips, and/or business travel are needed throughout our lives, most are ready to get back to the comforts of their homes, their beds, and their surroundings. When designing one’s haven, people look for practical and comfortable rooms that serve them ergonomically and functionally. Utilizing a space that best serves your and your family’s needs is best for your overall well-being.

Psychologically speaking, living in a visually appealing environment impacts one’s behavior positively. Creating comfort in a space with a specific color scheme and/or furniture layout can help a person’s mood and overall well-being. Designers often interview their clients to understand what colors they like, what type of furnishings are appealing to them and their overall lifestyle so designers can deliver a space that is aesthetically pleasing, functional and creates an emotional connection. Isn’t this what we strive for in our homes? I know I do!

Science principles and artistic creativity are intertwined when cultivating spaces within a home. When selecting color for a room, you want to be sure it correlates with the likes of the person(s) and their lifestyle. Blues and greens are calming while reds and oranges are bold and energetic. Incorporating other material elements into a room that complement the colors can tone down a bold red or ramp up tones of blue to create balance. Organic materials such as rattan, leather, wood, plants and different textures are a big part of creating a specific look for a space. Some individuals have eclectic tastes which encompass various styles of décor. An eclectic style creates uniqueness within the home and makes it your own.

Lighting is an important element in a room. Light interacts with different materials and colors within a space. Cool lighting vs. warm lighting is a personal preference but knowing how the room will be utilized will help determine the type of lighting (cool, warm, wattage, etc.). Selecting different shapes and materials of lighting fixtures can change the look of a room and should complement other elements within the room. Therefore, light tone and selecting lighting fixtures are important to a room from a scientific perspective and artistic imagination.

The scale of a room is examined when planning the layout of furnishings along with additional décor. Measuring space and furnishings is important to ensure pieces fit in a room without overwhelming or getting lost in a space. Having appropriate measurements allows designers to layout a room that creates space, flow and functionality without compromising comfort.

TS Staging and Design, a professional home staging and interior design company based in Windham, Maine, uses their creative talents while applying scientific measures to curate beauty, functionality, practicality, comfort and safe spaces for their clients. At TS Staging and Design, we tell a story within a room. A flow and beauty that attracts the eye and creates an emotional connection for all who see it.

Let TS Staging and Design help you tell a story. Whether preparing your home to sell or wanting to refresh a space or two, we will deliver beautiful and inviting designs to attract potential buyers or make you fall in love with your home again!

You can contact TS Staging and Design at 207.400.9393, via email at tsstaginganddesign@gmail.com or visit our website at www.tsstagingandesign.com for further information. You can also find us on Facebook and Instagram! Follow us to see our weekly transformations!

Stay tuned for the grand opening of TS Staging and Design’s new warehouse located on Roosevelt Trail in Windham, Maine! More details to follow!

Happy Fall!

Theresa Bouchard is the owner and designer of TS Staging and Design. If you would like more information regarding staging services, please contact TS Staging and Design at 207-400-9393 or check us out on Facebook, Instagram or our website at www.tsstaginganddesign.com. We are an award-winning professional home staging company that provides superior customer service and beautiful designs that attract buyers to your home.

Real Estate: Too hot to handle

By Tricia Zwirner

Space heaters and wood stoves are great for warming up chilly rooms, but they should be operated with a measure of caution. According to a 2022 National Fire Protection Association (NFPA) report that gathered data from 2016 to 2020, space heaters, whether portable or stationary, account for 33 percent of home heating fires. In addition, 88 percent of home heating fire civilian deaths involve space heaters. They also contribute to 80 percent of fire related injuries and 55 percent of home fire related property damage.

Wood stoves are a more efficient heat source than traditional fireplaces, and many units can keep more than one room warm. To help keep wood stoves operating safely, consider the following tips:

• Before buying a stove, check with your local fire department to get local ordinances on solid fuel burning appliances.

• Ensure that the unit has been tested and is listed with a nationally recognized testing laboratory such as Underwriters Laboratories (UL).

• Follow the specific clearance requirements outlined by the Maine Office of State Fire Marshal. Maintain proper distances between the wood stove and combustible materials, per the manufacturer and local regulations.

• If there are no manufacturer's instructions or a label on the unit, the NFPA suggests clearances should be 36 inches away from any combustible item, such as curtains or flooring.

• Regularly clean and inspect your chimney to reduce the risk of chimney fires. It's recommended to have a professional chimney sweep service to perform annual inspections and cleanings. Burn only seasoned hardwood or wood pellets in the stove, according to the manufacturer's directions.

• Wait until the ashes have cooled before removing them then transfer ashes in a covered metal container to an outside location 10 feet or more away from the home and douse them with water.

Radiant space heaters warm whatever is directly in front of them, while convection heaters can help make an entire room feel more comfortable. To use them safely, consider the following tips:

• Choose electric space heaters that are certified by recognized testing laboratories, such as UL (Underwriters Laboratories) or CSA (Canadian Standards Association). Look for models with built-in safety features like tip-over protection & overheat shut-off switches

• Regularly inspect the electric space heater for any signs of damage or wear and KEEP THEM free of dust or debris that can accumulate and potentially cause overheating.

• Keep children and pets away from the heater to help avoid contact burns.

• Place the unit on a level surface at least three (3) feet from combustible materials such as bedding, curtains and furniture.

• Plug space heaters directly into wall outlets. Avoid using extension cords or power strips, as they can overheat and pose fire hazards. Never use a space heater to dry clothing.

• Never leave an electric space heater unattended. Turn it off when leaving the room or going to sleep. Keep children and pets away from the heater to prevent accidental contact.

A kerosene space heater can warm a large area within your home. Some communities restrict their use so always check with the local authorities before purchasing or operating a unit. To operate safely, consider the following tips:

• Space heaters should be specifically designed for indoor use. They should be certified by a recognized testing laboratory, such as UL or CSA, and have safety features like an oxygen depletion sensor (ODS).

• Only use propane space heaters in well-ventilated areas. These heaters produce carbon monoxide, so ensure that there is proper airflow to prevent the buildup of this toxic gas. Never use propane space heaters indoors without proper ventilation.

• Keep children and pets away from the heater to help avoid contact burns. Never leave it unattended, especially overnight or while sleeping. Turn off the heater when leaving the room or going to sleep. Monitor the heater and ensure that it is functioning properly.

• Use only the approved fuel — clear 1-K grade kerosene, never gasoline.

• Do not refill a heater until the unit is cool and refill unit it outdoors.

• Follow the manufacturer's instructions for safely handling and storing propane fuel. Store propane cylinders outdoors in a well-ventilated area and away from ignition sources or heat.

Whether electric or wood, be sure to check that all smoke detectors are in working order with fresh batteries. It’s also advisable to install carbon monoxide detectors near sleeping areas and ensure they are in working order. Follow the manufacturer's instructions on for installation and testing for both.

Tricia Zwirner is a State Farm agent celebrating her 21st year in Windham. She and her team would love to hear from you and can be reached via phone and text at 207-892-2864 or via email at tricia@TRICIAZWIRNER.com.

Brace yourself, bad contractor season has been extended

By Warren O’Shea

It used to be that “bad contractor season” started sometime after our beloved black fly and mud season, or at least that’s when the local news channels would tend to run their stories. The stories may have been popular during this time of year due to many Mainers starting to think of their projects, and clicks equals money. The recent story of a disabled woman in York County ripped off by a contractor lies outside of this scheduled norm. Have the media outlets decided it was hot enough to now put it in their agenda cycle? Did the failed Contractor Licensing bill LD1929 stir the pot enough, or are there just that many more contractors ripping people off?

The king of rhetorical questions says yes, all have some validity. It can be a challenge to get the news to run a story as they do not want to expose themselves to liability. They likely won’t run a story if the homeowner and contractor do not have a contract, and they may not run a story unless the contractor violated Maine state law. In the case of the York County woman, the contractor asked for a deposit of 50 percent of the total project cost up front, where State law sets the maximum request of no more than 1/3 of the total project cost.

According to the Office of the Maine Attorney General, since 2018 the agency has received nearly 4,000 complaints related to contractor fraud with a total of $12 million in losses. I personally know of one contractor who continues to advertise his services across multiple local social media platforms and community groups who has 15 complaints with the Better Business Bureau, 7 of which have been in the past 12 months. There are currently 24 complaints to the local police department, and it doesn’t help that law enforcement frequently lists these types of complaints as a civil matter rather than criminal, leaving the responsibility to the homeowner to seek restitution, usually in court.

From the Office of the Maine Attorney General’s page on home construction and repair:

“While there are a great many competent, ethical home contractors in Maine, it is up to you, the consumer, to find one. Home contractors are not licensed or regulated by the State of Maine. The old saying "Buyer Beware" applies. You should also keep in mind that the lack of state licensing allows the worst contractors to compete for your business alongside the best. The Attorney General's Consumer Mediation Program ranks home contractors among the top three most complained about businesses every year.”

Doing your research when hiring a contractor is crucial for several reasons

Quality of Work: Different contractors have varying levels of professionalism, expertise and workmanship. Research helps you find someone who has a track record of delivering quality results that meet your expectations.

Reputation and Reviews: Checking reviews and testimonials from previous clients can provide insights into a contractor’s reliability, professionalism, and the quality of their work. This information can help you avoid contractors with a poor track record. Remember that the good contractors are working on getting your business right next to the bad contractors. It’s up to you to find the difference.

Credentials and Experience: Ensuring that the contractor has the necessary licenses when required, insurance, and certifications required by the state is vital. Maine is among 15 states that do not regulate home contractors. I highly recommend getting the contractor’s Certificate of Insurance directly from the insurance broker. Canceled COI policy documents can be forged to give the false impression that the policy is valid.. Researching their experience in the specific type of work you need helps ensure they are qualified for the job.

Price Estimates: By researching and comparing estimates from multiple contractors, you can avoid overpaying and identify a fair market price for your project.

Avoiding Scams: Unfortunately, there are fraudulent contractors who may try to take advantage of unsuspecting clients. Researching allows you to recognize red flags and avoid scams.

Communication and Compatibility: Finding a contractor who communicates well and understands your vision is essential for a successful project. Research helps you identify contractors who align with your communication style and project needs.

Warren O'Shea is the owner of O’Shea Builders LLC, Maine’s most award-winning remodeling contractor. He has 35-plus years of residential remodeling experience. He is a certified home inspector and has been featured on HGTV, Food Network, and Maine Cabin Masters. He is a recipient of the Portland Police Department’s “Citizen Award,” and is a staunch consumer advocate. Warren has, and continues to, co-author articles for nationally distributed trade magazines. <

Real Estate: Programs available to reduce property taxes

By Lisa DiBiase

Reducing monthly expenses is a goal many of us strive to achieve, and property taxes are often one of the biggest expenses that homeowners face. Fortunately, for Maine residents, there are several programs available that can help lower these costs. By taking advantage of these property tax relief programs, homeowners can save a significant amount of money each year. Here are some of the key programs that can help Maine residents reduce their property tax bills:

Homestead Exemption:

The Homestead Exemption is a popular program that offers property tax relief to individuals who have owned homestead property in Maine for at least twelve months and use that property as their permanent residence on April 1st. Eligible homeowners can receive a reduction of up to $25,000 in the assessed value of their home for property tax purposes. This reduction can result in substantial savings, especially over the long term.

To take advantage of the Homestead Exemption, homeowners need to apply. The application process is straightforward. Simply visit www.maine.gov, click on the "Property Tax" From there, you can learn more about the Homestead Application and download the form, complete it, and submit it to your local assessor’s office. It's a quick and easy step that can lead to significant savings.

Veteran Exemption:

Maine offers additional property tax savings for veterans through the Veteran Exemption. This program is designed to honor and assist those who have served our country. Veterans who served during a recognized war period and are 62 years or older, or those receiving 100% disability or who became 100 percent disabled while serving, may be eligible for a $6,000 exemption on their property taxes.

The process to apply for the Veteran Exemption is similar to the Homestead Exemption. Veterans can visit the same section on www.maine.gov to find the Veteran Exemption Application form. By completing this form and providing the necessary documentation, veterans can benefit from this well-deserved tax relief.

Tree Growth Tax Program:

Maine’s Tree Growth Tax Program offers property tax reductions for landowners who manage their land for timber harvesting. To qualify, homeowners must have at least 10 acres of forestland. This program taxes land based on its current use—timber production—rather than its market value, which can result in significant tax savings.

Participating in the Tree Growth Tax Program not only helps landowners reduce their tax burden but also promotes responsible land management and sustainable forestry practices. This program is a win-win for property owners and the environment, ensuring that Maine’s forestland is preserved for future generations.

Farmland Tax Program:

Similar to the Tree Growth Tax Program, the Farmland Tax Program provides property tax reductions for land actively used for agricultural purposes. This program helps preserve Maine’s valuable farmland by reducing the tax burden on farmers and those who maintain agricultural land. By assessing the land based on its agricultural use rather than its market value, the Farmland Tax Program makes it easier for farmers to continue operating and maintaining their land.

To qualify, landowners must demonstrate that their land is used for agricultural purposes, such as growing crops or raising livestock. This program is vital for maintaining Maine’s agricultural heritage and supporting local farmers.

Additional Property Tax Relief Programs:

In addition to these programs, Maine offers other property tax relief options that homeowners may find beneficial:

Blind Exemption: Homeowners who are legally blind may qualify for a property tax exemption, providing up to $4,000 off the assessed value of their property.

Renewable Energy Equipment Exemption: Homeowners who install renewable energy systems, such as solar panels or wind turbines, may be eligible for a property tax exemption on the value of the equipment, encouraging the use of clean, renewable energy.

Working Waterfront Tax Program: This program offers tax reductions for owners of waterfront land used for commercial fishing activities, supporting Maine’s traditional fishing industry.

For us Maine residents, taking advantage of these property tax relief programs can lead to some great savings. Whether you're a homeowner, veteran, farmer, or someone looking to manage your land responsibly, there are options available to help reduce your property tax burden.

When it comes to navigating these programs and maximizing your property investments, having a knowledgeable team of professionals by your side can make all the difference. As I have said before, please call a local Realtor® for all your real estate needs no matter how big or small. We are trained professionals here to make your life easier.

Lisa DiBiase is the Broker/Owner for Landing Real Estate. She and her company represent buyers and sellers in the Greater Portland area and surrounding areas. For all your real estate needs contact Lisa at lisa@landinghomesmaine.com or call 207-775-SOLD. <