Hurricanes bring with them many potential hazards. Between flooding, strong winds and damage from debris, there are lots of things to prepare for. One major way you can protect yourself and your home during a hurricane is by taking steps to prepare your windows. Here are 3 common ways to hurricane-proof the windows in your home:

Hurricane Film

Hurricane film is a popular option for reinforcing your windows against strong winds and debris. It’s a tough, clear plastic film you can apply to your windows yourself. It’s inexpensive and can prevent glass from shattering and spreading into your home. Unfortunately, it’s not enough to prevent the entire window pane from blowing in, but it will lower your risk of injury or damage and injury from broken glass.

Plywood

Plywood is a tried-and-true material for reinforcing your windows in a variety of storm situations. It’s one of the toughest materials in the building industry and also inexpensive enough to buy in large quantities without breaking the bank. To shield your windows with plywood, cut sheets that are at least 1/2 inch thick and overlap the sides of your windows by at least 8 inches.

Use heavy duty screws, anchors or expansion bolts to attach the plywood to the walls. While it involves a bit of DIY handiwork, plywood is a tough and reusable option for protecting your windows in a hurricane.

Storm Shutters

Professionally installed storm shutters offer the advantage of quick setup when it’s time to hunker down in preparation for a hurricane. These shutters are permanent installations and therefore cost more than the above options. However, they are simple to use: simply pull the accordion-style shutters down into place before the hurricane gets close to prevent damage to your windows.

These are the three most common ways to hurricane-proof your home’s windows. Keep these ideas in mind when considering your best options for hurricane safety.

If you’re in need of ideas for DIY crafts, woodworking is an excellent place to begin. Many woodworking projects only require basic tools and can be completed in just a few hours. Not only are some DIY projects quick to do, they can also save your household money as well.

Bathtub tray

A bathtub tray is a simple DIY project to enhance your relaxation. Measure a sturdy piece of wood to sit across the walls of your tub. Then, sand the edges to prevent splinters, and add a coat of finish to protect the wood from moisture. Now you have the perfect spot for a book, tablet or snack while in the bath.

Simple bench

Why not make a wooden bench with plywood or repurposed pallet wood? You can build it in a box shape using nails and wood glue, or you can buy table legs online or locally to use instead. Opt for polished metal legs to complement the woodwork and add style to any space.

Coat rack

Save space and improve your organization by building a simple coat rack for the wall of your entryway, mudroom or closet. Choose your favorite hooks, pegs or even funky door knobs to attach to the wooden board and drill into the wall for this useful DIY woodworking project.

Modern bookshelf

A simple, sleek bookshelf for display and storage is another excellent DIY wood project to try. You can paint the wood to make a bold statement, or choose a stain to match the other wood pieces in your home.

Nightstand or end table

A bedside table or nightstand is a great opportunity to display your creativity with any level of woodworking skills. One simple table design uses metal hairpin legs, available online or at home improvement stores. You can even use scrap wood for the table surface to save on materials.

Some of the best woodworking projects are also the simplest. You don’t need to be a master carpenter to build your own furniture or home accents. With the right woodworking tools and a little creativity, any of these projects would be an excellent choice for beginner woodworkers.

Owning a home can be a wonderful experience. You have your very own space to do as you please. However, there are also many challenges to homeownership. Every year, many homeowners battle termite damage. This guide provides a basic understanding of termite damage coverage and how to protect your home from these critters.

Does homeowners insurance cover termite damage to your home?

Unfortunately, home insurance policies don’t offer coverage for damages to your property from termite infestations. Subterranean termites tunneling and eating away at your home is a slow process, whereas homeowners insurance is reserved for unforeseen emergencies and accidents. Insurance companies consider termite prevention as a normal part of home maintenance.

How do you detect termite damage?

So, how do you detect termites to prevent damage? Doing routine checks a few times a year can greatly help in spotting a termite infestation before extreme damages occur. For example, you may notice a pile of insect wings. A specialist can identify if they belong to termites and examine your home for damages. Hiring a professional usually costs around $50 to $200.

Defend your home from termites

With the right preventative measures, you can stop termites from invading your home. These include:

• Not stockpiling firewood close to your home.
• Make sure water from storm drains doesn’t fall too close to your home’s foundation.
• Check areas around your home for tunneling.

Termite damage can be an annoyance. However, the right surveillance and being proactive will protect your space. Speak with a local termite specialist today for more information.

For homeowners who want financing in addition to an existing loan, rates for second mortgages are high on the list of things to consider. A second mortgage allows you to borrow money against the equity you’ve built in your home.

Here is some more important information homeowners should know about this type of financing:

What is a second mortgage?

A second mortgage is a lien placed on an asset that already has an existing mortgage. For your house, the second mortgage will function like a home equity loan or home equity line of credit (HELOC).

Just like with your regular mortgage, your loan officer may take possession of your home if you default on the loan.

Second mortgages are often cheaper than cards because of their low rates. You can use your second mortgage money for virtually anything, which makes them a popular choice for handling debt consolidation, home improvements and medical expenses.

How to get a second mortgage

The first step in obtaining a second mortgage is to determine your home’s equity. It’s ideal to have at least 20% equity, so the remaining loan amount doesn’t go over 80% of the home’s total value.

It’s also a good idea to check on your credit report before applying. This gives you a chance to dispute any mistakes or resolve any issues that could affect your ability to qualify for a home equity loan or credit line.

When to apply for financing

There is no hard and fast rule for the best time to get a second mortgage. It’s important to consider every possible factor, including the current interest rate and your financial situation.

Usually, borrowers follow market trends when acquiring the second loan. Mortgage rates can vary, but tracking the trends of the market will allow you to apply and receive a second mortgage when rates are low. You also want to be aware of the various fees charged by mortgage lenders and how they factor in to the total annual percentage rate (APR).

Home equity loans through second mortgages are a great way to capitalize on your home’s equity. They can help you cover expenses unrelated to your home, either through a lump sum loan or HELOC. To find out if a second mortgage will work for you, consult a financial advisor and check with your lender for details.