Why do you need insurance for your property, all the things that you have definitely have value to you, a good level of value that there is a very valuable and mediocre. But what happens if your precious property affected or disaster? of course you will be made uneasy by her. Here, the role is very instrumental property insurance, because you do not have to worry about the damage to your property, because you can make a claim against damage.
In making the claim has terms and conditions that apply which had previously been agreed upon by both parties. Thus there are procedures that must be done before you make claims adjuster, usually you will be assisted by your insurance agent, so do not be confused.
Amount of money that you can claim as stated in your insurance policy. Many of the benefits that you get after getting your insurance money to repair the damage done and restore the financial condition after the affected areas.
Here are steps you can take before the insurance claim:
1. Report within 3 X 24 hours
After the incident as soon as you report the incident that occurred on the insurer in this case your insurance agent. Since this report is still a preliminary report so you can report on an agent can be through oral, written in the form of a letter, fax, email or other. It will be assisted by your agent to make an insurance claim, and you will be accompanied by an insurance agent until the problem is finished
2. Report the total loss
Make a written report on the damage and losses caused by such events include:
a. The place, date and time of occurrence of events
b. The cause of the incident
c. Estimated amount of loss you are accompanied by proof of the goods were damaged
Do not forget to include your contact number so that information readily available to facilitate your claim process
3. Complete supporting documents
Supporting documents here to simplify the claim process your order immediately liquid funds coverage.
Once you have done the above process then the insurance company began to work, including:
1. Conduct research Policy
2. The study claims
3. Appointment Loss Adjuster
In this stage, the analysis of whether the claim lodged a case of simple or complex. If it falls into a complicated case it will take a long time. And the value of the claim amount will be carried out by a loss adjuster appointed by the insurance your knowledge.
If you do not work in a creative field, you may not have a clear picture of how to organize the contents of your building. More than just giving advice about the color of furniture, an interior designer will create a harmonious space and take into account the lighting and the use of a space in your home.
When you hire the services of an interior designer, you will run a collaborative project, so it’s important for you and the interior designer you choose to mutually agree a few important things before starting work:
- Plan interior design
Spend more time in planning will reduce the time to work. For the following in planning stages that must be passed
- The interior designer you can provide a 3D display that displays fabrics, colors and furniture that will be used by them. This is your first chance to see if their vision to match your taste.
- schematic design which is a detailed plan that includes full measurement) arranged to identify problems and inefficiencies and create space for the neglected area.
- Design development plan is where interior designers can see the last picture of his work.
- Know your style and desires
The best way to explain what you want is you have to make browsing photos least give an idea of the style and taste. The photos that you have collected can be processed into a mood board that will give designers an understanding of the theme you like. Pour also your ideas in the scrapbook and the identification of any part you like the most and why. Do not forget to include a photo of things you do not like. Discuss these ideas with designers and see how it can help designers run the interior of your home remodeling project.
- Understand the function room
Mastering the function of a room will help you explain to the designer about what you do, how many people are staying at home, what are your hobbies and daily routines at home. Details such as the interior designer will help you to create a space that is efficient and useful.
- Adjusting to the Budget
It is most and foremost, you must have a reasonable budget and you are also obliged to be honest with your interior designer. The allocation of financial resources is not appropriate to make the project run half-way and cause problems in the construction process.
Do not be embarrassed or even keep your budget, it would make interior designers suggest something beyond your expectations. Tell the designer how much budget you have, so that they can manage a budget based on your ideas in this project.
Every interior designer has a different style. Some designers prefer to use steel and cement to create the appearance of industrial look, and a few other designers such as luxury home interior designers, you can plan a development ranging from choosing the design up to the base material. Take a look at their portfolios to ensure they match the style of your idea. Additionally, you can also check whether there are other people who have hired their services earlier.
Having a swimming pool in the yard is very pleasant indeed. Many interesting activities that can be done if we have a pool at home alone. Perhaps the many family activities going on around the pool so not only as a family room just like a TV room, a kitchen, or a dining table only.
Think if you need to have a pool house or yard is maintenance. The pool is very sensitive to dirt, germs and others. Imagine if you are not routine in caring for the pool, there will be a lot of dirt, moss will grow around the pond and will certainly bring many diseases at home. Instead of beauty, comfort and pleasure that you get, it is precisely the difficulties and troubles coming. Even if the damage is too severe and dirt in the pool, repair and maintenance costs will be more expensive.
Perform routine maintenance on your pool, if you have accumulated will be much more efficient and a lot of the benefits that you will get. The actual cost of care is not expensive, there are lots of shops selling various kinds of needs for treatment pond at wholesale prices. Cleanliness of the water is the main thing to be a priority in the care of the pool. Air circulation depends on filters and pumps that keep the water clean, and it becomes the most important thing in the treatment pond. Do not worry for the equipment necessary for the maintenance of pumps, for example you can find in the wholesale pool pumps and filters, and you will get the ease with their delivery service.
Here are the kinds of swimming pool filter pump:
- Sand Filters, Using sand is placed in a tube as a media filter water
- Cartridge Filters, using the paper as a cartridge-type filter media which has the same qualities as a sand filter system.
- De Filters, using diatomaceous earth as a water filter media. Diatomaceous earth is mined from fossilized exoskeletons that has a type of diatom very small. Usually used to coat the mesh filter in the house and actually have a very fine sieve to filter out impurities.
The rest of the pool maintenance like cleaning out your home bathroom, the difference is in the filter and water circulation. Hopefully this article useful and good to swim and have fun
The basic interior design principles used by every interior designer to create a great design, and who knows maybe you’ll also save some money, or start a new career ! Now let’s begin with the beginning, and undestand what interior design is
“Interior design is the process of shaping the experience of interior space, through the manipulation of spatial volume as well as surface treatment. Not to be confused with interior decoration, interior design draws on aspects of environmental psychology, architecture, and product design in addition to traditional decoration.
An interior designer is a person who is considered a professional in the field of interior design or one who designs interiors as part of their job. Interior design is a creative practice that analyzes programmatic information, establishes a conceptual direction, refines the design direction, and produces graphic communication and construction documents. In some jurisdictions, interior designers must be licensed to practice.” – Source :Wikipedia
Now that you have an idea about interior design, we can move forward and learn something really useful, the principles of interior design. Let’s begin !
When doing interior design it is necessary to think of the house as a totality; a series of spaces linked together by halls and stairways. It is therefore appropriate that a common style and theme runs throughout. This is not to say that all interior design elements should be the same but they should work together and complement each other to strengthen the whole composition. A way to create this theme or storyline is with the well considered use of color. Color schemes in general are a great way to unify a collection of spaces. For example, you might pick three or four colors and use them in varying shades thoughout the house.
In a short sentence for those who just scan this article balance can be described as the equal distribution of visual weight in a room. There are three styles of balance: symmetrical, asymmetrical, and radial.
Symmetrical balance is usually found in traditional interiors. Symmetrical balance is characterized by the same objects repeated in the same positions on either side of a vertical axis, for example you might remember old rooms where on each side of a room is an exact mirror of the other. This symmetry also reflects the human form, so we are inately comfortable in a balanced setting.
Asymmetrical balance is more appropriate in design in these days. Balance is achieved with some dissimilar objects that have equal visual weight or eye attraction. Assymetrical balance is more casual and less contrived in feeling, but more difficult to achieve. Asymmetry suggests movement, and leads to more lively interiors.
Radial symmetry is when all the elements of a design are arrayed around a center point. A spiral staircase is also an excellent example of radial balance. Though not often employed in interiors, it can provide an interesting counterpoint if used appropriately.
Interior design’s biggest enemy is boredom. A well-designed room always has, depending on the size of it, one or more focal points. A focal point must be dominant to draw attention and interesting enough to encourage the viewer to look further. A focal point thus must have a lasting impression but must also be an integral part of the decoration linked through scale, style, color or theme. A fireplace or a flat tv is the first example that most people think of when we talk about a room focal point.
If you don’t have a natural focal point in your space, such as a fireplace for example, you can create one by highlighting a particular piece of furniture, artwork, or by simply painting a contrasting color in one area. Try to maintain balance, though, so that the focal point doesn’t hog all of the attention.
If we would speak about music we would describe rhytmas the beat of pulse of the music. In interior design, rhythm is all about visual pattern repetition. Rhythm is defined as continuity, recurrence or organized movement. To achieve these themes in a design, you need to think about repetition, progression, transition and contrast. Using these mechanisms will impart a sense of movement to your space, leading the eye from one design element to another.
Repetition is the use of the same element more than once throughout a space. You can repeat a pattern, color, texture, line, or any other element, or even more than one element.
Progression is taking an element and increasing or decreasing one or more of its qualities. The most obvious implementation of this would be a gradation by size. A cluster of candles of varying sizes on a simple tray creates interest because of the natural progression shown. You can also achieve progression via color, such as in a monochromatic color scheme where each element is a slightly different shade of the same hue.
Transition is a little harder to define. Unlike repetition or progression, transition tends to be a smoother flow, where the eye naturally glides from one area to another. The most common transition is the use of a curved line to gently lead the eye, such as an arched doorway or winding path.
Finally, contrast is fairly straightforward. Putting two elements in opposition to one another, such as black and white pillows on a sofa, is the hallmark of this design principle. Opposition can also be implied by contrasts in form, such as circles and squares used together. Contrast can be quite jarring, and is generally used to enliven a space. Be careful not to undo any hard work you’ve done using the other mechanisms by introducing too much contrast!
Another important element of interior design where it is necessary to take infinite pains is details. Everything from the trimming on the lamp shade, the color of the piping on the scatter cushion, to the light switches and cupboard handles need attention. Unlike color people find details boring. As a result it gets neglected and skimmed over or generally left out. As color expresses the whole spirit and life of a scheme; details are just as an important underpinning of interior design. Details should not be obvious but they should be right, enhancing the overall feel of a room.
Scale and Proportion – These two design principles go hand in hand, since both relate to size and shape. Proportion has to do with the ratio of one design element to another, or one element to the whole. Scale concerns itself with the size of one object compared to another.
Color – Colors have a definite impact on the atmosphere that you want to create when doing interior design. A more detalied post about how colors affect our moods you can find here.
Source : http://freshome.com
Independent interior designers aren’t an endangered species yet, the future of the interior design remains uncertain at best. Understanding the forces at play behind the interior design and remodeling industries are important for homeowners who are likely to need professional design services for their next remodeling project.
Technology and Demand Trends for Interior Designers
Kitchen and bathroom remodels have more than doubled over the past three years, while requests for kitchen and bathroom designers has remained largely constant. This doesn’t mean that fewer homeowners are using designers to generate remodeling plans. With greater design options, more material considerations and increased scheduling pressures for contractors, the role of residential designers has never been more important.
Rather than looking to independent designers, however, homeowners may be using designers already on staff with a remodeling company. Computer-aided design (CAD) programs for both homeowners and design professionals have permanently altered the landscape of residential design. While homeowners with some construction and computer-savvy can generate their own remodeling plans, the transformation on the professional side of home design has arguably been even greater. First, after taking some preliminary pictures and measurements, remodeling companies can show you what your finished kitchen or bathroom might look like with dozens of permutations related to homeowners’ choices. Next, the ability to readily convert these visual aides into construction plans for subcontractors has decreased remodeling timelines and costs.
Material Costs and Peace of Mind
Some remodeling companies may have special relationships or biased preferences toward a specific manufacturer, limiting your ability to choose cost-effective products. Of course, the same thing could be said of independent designers, and this isn’t necessarily a bad thing. Indeed, the cost of hiring a designer is almost always tied to the materials you choose. Designers receive discounts from manufacturers, which typically or directly match the fee charged to the homeowner. In some cases, if you choose Manufacturer X, your project will cheaper if you choose an independent contractor, but if you choose Manufacturer Y, the best price lies with an in-house designer.
Of course, if you like a remodeling company but are driven to seek out an independent designer, there is no reason you can’t have both. Even remodeling companies that have a designer on-staff are generally more than willing to work with the designs of an independent designer, as long as the plans are reasonably detailed and well-formed. In fact, having multiple professionals involved with the project can add an extra layer of quality control. Although this may not be the cheapest way to complete a home remodel, it may be the route with the least amount of hassle.
Kitchen and Bathroom Designers
Despite more and more companies offering in-house design services, custom plans and specialization remains one factor that guarantees the continued existence of independent designers. A comprehensive remodeling company may employ one residential designer for all its remodeling needs, while independent contractors may focus solely on kitchens or bathrooms. Certainly, there is a ton of overlap, but kitchens tend to skew more toward finished products and materials—stone vs. solid-surface countertops, for example—while bathrooms can be just as much about the use of space and logistical problem-solving.
That said, both kitchen and bathroom projects can become monsters, even with the best remodeling plans. Certified kitchen designer and blogger Susan Serra notes that hidden defects, like termite-ridden floor joists, are a common issue during remodels. “Consumers must dedicate 15 percent of their budget for such eventualities. This is money that can be spent, or saved, if not needed for an unforeseen expense.”
Know the Details, but Don’t Ignore Your Intuition
No matter which way you decide to go, you should seek out someone with whom you feel comfortable. Like most contractors, your designer should be willing to listen to your ideas, while giving you honest and knowledgeable feedback that will lead to the best overall value that stays within your budget. And don’t underestimate the value of these professionals. A carefully-considered, easily-followed remodeling plan will almost always reduce the final cost of your project.
Source : www.homeadvisor.com
Traditionally, chandeliers are large, expensive fixtures that are as heavy and difficult to install as they are beautiful. Most of us don’t have ballrooms in our homes. The simple fact is that these Old World style chandeliers are simply too big to fit gracefully into a modern house. For today’s homeowner, a mini or contemporary chandelier is a perfect fit both in size and in budget, as well.
Instead of wrought iron and heavy crystal, a contemporary chandelier is generally made of much daintier materials. One will find light metals like aluminum or hollow, heavier metals replace the cumbersome weight of solid iron or brass. This makes them much easier to hang and cuts down on the price, too.
The designs available go well with modern furniture and atmosphere. At the same time, contemporary chandeliers are quite striking and elegant. Instead of the busy, heavily ornate look of many older pieces, newer models lean toward simple construction and bold lines to make their statement. Instead of focusing on embellishment, contemporary chandeliers rely more on the design of their practical parts for beauty.
Mini chandeliers can look contemporary or classic, modern or medieval. Either way, their most striking attribute is their size. Often taking up less than half the space of a larger model, a mini chandelier is a good choice for hallways or other small spaces.
Due to their small stature, the homeowner without the aid of a professional can often hang a mini chandelier. They are often as easy to install as a ceiling fan. Since they are mini, the materials they are fashioned from can have some weight, but the entire piece will not need the significant amount of extra support that its larger counterparts would require.
No matter the size or style, a chandelier is first and foremost a light. To hang one where no previous light existed could easily necessitate some additional electrical wiring. In this case, it is probably best to hire an electrician to do the job.
Replacing an already existing overhead light with a mini chandelier is a task that many people find isn’t as difficult as they had previously imagined. Directions for installation often come with the piece you purchase. If not, you may be able to find the needed information online or get it from the manufacturer or dealer. If you still can’t find the directions or decide you don’t want to tackle the installation on your own, a local handyman should be able to do the job.
Working with electricity makes a lot of homeowners queasy, and for good reason. When dealt with improperly, electricity can cause severe shocks and pose a fire hazard. Knowing the right way to install your chandelier is a must. In the case of large chandeliers with many lights, or installation in an area where new wiring will need to be added, those without experience dealing with electricity should seek professional guidance. Electrical wiring is no place for doubt. If any exists, hiring an electrician or contractor is the safe and wise course of action.
Source : www.homeadvisor.com
Great Home Deco Suggestions – Affordable Manners To A Beautified Nest
A living environment that is embellished adorably shows a lot about your taste as well as who you really are. However, remodeling your home can turn out to be costly fast. With the help of some of your own visualization and creative skills, you can transform your house into the desired in vogue style, with less expenses. So, feel free to make use of some of my preferred and wallet friendly home deco suggestions listed below.
Daring and bright accentuated colors
You may utilize less color accentuation if the planned accessories for the room are already daring and bright enough. Such embellishing items can be found at many ninety-nine cent stores. The outstanding design of such goods will draw more attention, than others that are harmonized with the living quarter’s shades. You may apply this strategy in any chosen room, from kitchen to bed, living and bathroom.
Useful decoration pieces
For extra personality in your home get the best out of things that you use on a daily bases. Grab all the fruits you purchase to keep yourself fit and display them in a pretty bowl on your kitchen table. This will act like a great decoration on its own. Gather kitchen and bathroom towels that match the color of the room’s wall and arrange them nicely folded next to the bathing area and hang them on the stove in the kitchen for accentuation.
Bring pep to your table again, by placing those well kept plate mats, napkins and napkin holders on it. Make this the center of attention and leave out the flower vase for a change. After all you want to create focus on the beautiful things you already have.
A different usage for bed linens
A boring room can be shining up like a new penny in no time, by combining shapes and colors of drapes with the one of bed cushions. Getting this done the cost effective way, work with your linens. It only takes a couple of sewing stitches for you to design harmonizing and fashionable drapes and cushions which will leave an interior designer’s signature in the room.
Tiny innovations, Huge achievements
A little change is usually all that is required to view huge differences. For instance, you can go ahead and only paint one side of a room’s wall in a different color to achieve a dramatically different look without spending a fortune. Setting up your original furniture in a variant way can make your living environment appear completely pepped up again, too. Swap accessories from one room to another until you are satisfied with what you see. Sometimes the smallest innovations can harbor the greatest achievements.
A red rose is located at the center of thousands of white tulips, but still the former catches attention and is evidently noticeable, how was it able to outstand others considering that it is alone? Its strong characteristic represented by its red color make it remarkable.
Applying this situation to the interior design market, interior design firms are being challenged by the competition that is presently happening on the interior design industry, they try to set new standards, they try to offer the latest designs, they offer everything, the biggest question now is how can an interior design firm outstand others amidst very tough competition?
In the ever advancing world of interior designs, no one can afford to be left behind in the race. As a first aid for their business, interior design firms, has gone with different strategies on how they would be different from their competitors.
Difference speaks on how a particular firm work has worked it out to make them divergent form others. Being different is being remarkable, the main concern of interior design firms is to gain more clients for the success of their business, and how will you arrive on that? As a firm involved in service providing, all you need to do is to be passionate of what youre doing, and everything will follow, passionate in giving your clients with the best service that you can provide, and providing it with an extra effort, passion in a sense that you have an intense emotion, compelling feeling, and enthusiasm to give everything in the name of superior service.
The reason why more and more interior design firms are closing is because they werent able to endure the effect of being idle, doing nothing to give their business another face, another identity, a whole new world. They may have the resources but they may be too lazy to think that it can save them from possible downturn. They think that they can survive the business by just sticking to the old way of designing. Now they were eaten by their misconception.
So you’re looking for that perfect interior design school to give you the proper education and career advancement that you need? In this article, I will discuss some parameters you need to consider before choosing any interior design school. If you do it right, you can increase your chances tenfold for picking the right school.
Most people do it backwards. They get a list of different schools to consider, and then they start trying to figure out which ones will work for them. A better approach is to first figure out what you want to get from your education before looking at any school. It’s better to have a goal in mind instead of looking at random interior design schools and trying to figure out your goal afterwards.
Take the time to do a little bit of soul-searching and get some clarity. Ask yourself questions like this — what do you want to get out of your interior design education? What is your ultimate desire, related to your career as an interior designer?
You should have a very exact and detailed orientated picture of where you’d like to see yourself as an interior designer. Then, you will know what needs to be fulfilled by the school you attend, to make the picture a reality.
After you figure out what you want out of your education, then it is time to look for the right interior design school. Start evaluating different schools to determine what they have the offer you, compared to what you want to get out of your education. Soon, you will find a handful that will come close to meeting your educational needs.
To improve your chances of picking the right interior design school, take time to visit the schools in advance, to get an idea of what they look like and how they feel. If visiting them is out of the question, then a least call and talk to some of the faculty members there. Also, it’s good to talk to students who have gone there or are currently attending the design school, so you can get a student perspective as well as they faculty member perspective.
This isn’t the easiest and quickest way to decide on the school, but it is the safest way to help you find the perfect interior design school for you and your needs.
When it comes to designing one’s home, nothing else but the best is needed. Home needs to have all the characteristics that will make one fall in love with it over and over again. With the changing times, rarely do we think about renovating our homes with the latest designs and textures. Simply changing the designs and patterns of our house may change our moods, creativity and much more.
The interior design industry is seeing a phenomenal growth in the recent years. A recent report stated that, “Proleads, a leading business intelligence and research firm, also stated that the forecasted spending on interior projects in all six GCC countries is estimated to have reached $56.9 billion in 2010 and will increase in 2011.” Here, we give you the tips which will help you in developing your home and make it an enjoyable experience – –
Harmony – Harmony needs to be the buzz word that must be in every room. Elements need to flow easily from one room to the other.
Focus point – This is another simple thing which may dramatically impact your home. Figurines, wall pictures can be put to good use. By keeping a focal point in every home, you enable a smooth movement of the eye.
Balance – There needs to be a sense of balance in a room and between the corresponding rooms. You need to place your furniture in a way that it looks even, spread out and more importantly, spacious.
Color – This is one of the most important considerations that any home owner needs to make which may make or destroy the interior.
Flow – Create a flow that will be enjoyable to the human eye. By keeping a focal point and placing furniture that will enable the eye to easily scan the room will definitely give an edge to your interior design.
When it comes to finding the right company for the job, you need none other than the best. The first step to finding the right one for the job is by asking your friends and family members. You can also ask your neighbors. Take the assistance of the Internet for finding out more about the companies. There, you can find out the kind of work that these companies carry out. You will be able to do a nice job.
When it comes to your home, interior designs needs to impeccable. Hire a company that will be able to do justice to the job.