Posts made in September, 2021

Different Kinds of Windshield Damage

»Posted by on Sep 30, 2021 in Windshield Repair | 0 comments

Damage to windshields could be anything from a simple crack to a complete breakage. It’s important to understand what the most common windshield damages are like so you can decide whether to send your car for a windshield replacement or repair.   

Once your windshield gets damaged, there’s no other way to go about it but to have it fixed. Technicians may repair or replace the windshield, depending on the extent of the damage. Talk to an expert in windshield repair Augusta GA so, you’ll be guided on what to do if these things happen. Here are some of the most common windshield damage and how to address them.  

1. Pit Damage  

Pit damage is usually caused by small debris, like sand, hitting the windshield at a high speed. This is how windshield pitting happens and you may want to avoid it at all cost. Pit damage rarely has an effect on the middle layer of the windshield. In fact, they’re barely noticeable. But if you look at it under a powerful magnifying glass, you’ll see that the glass has tine craters. They may look harmless now but they could affect the strength of the windshield if pitting can be observed on the entire windshield. The danger at the moment is that those craters could send light waves in many directions which distortions may temporarily blind the driver. 

2. Chip Damage 

Chip damage must be the most popular windshield problem. This looks like a spider’s web or a bull’s eye on your windshield. It can go deep into the middle layer of the glass, which means that the strength of the windshield may be compromised. It’s still possible to repair chip damages, provided that they are not too deep or too big. To know for sure, you have to take your car to an auto glass technician and have it assessed.  

3. Crack Damage  

Since a windshield is made of glass, it may crack as any glass would. The crack could be a small line in any part of the windshield or it can extend from one end to the other. Cracks usually merit a windshield replacement job if it’s too extensive. Tiny cracks may still be repaired, provided that they are not along the driver’s line of vision.  

How to Handle Windshield Damage 

If for any unfortunate reason your car’s windshield gets damaged, you have to go straight to an auto glass company to have it checked. If your car is covered by comprehensive insurance, then you would definitely want to talk with your insurance provider about it.  

However, more insurance companies won’t cover windshield pitting. It’s because most of them consider pitting as normal wear and tear. So, if you want to get your windshield replaced because of that reason, then you might have to cover most, if not all, of the expenses yourself. As far as cracks and chips are concerned, some insurance providers may put a deductible on the full amount. To be sure, it’s best that you talk to your insurance provider about it.  

read more

How to Successfully Buy a House in Hawaii?

»Posted by on Sep 28, 2021 in Residential Property | 0 comments

The list below shows some of the common yet crucial steps that must be considered if you’re planning to buy a residential property in Hawaii, from merely searching for properties for sale to being a homeowner. If you want to know more about this, feel free to read further: 

Be prequalified 

Before you look out for active homes for sale, make sure to search trusted mortgage companies and make sure that you take the action to be prequalified. Being pre-qualified means that you can determine the amount of money that you’ll be qualified for while you look for residential properties. As much as possible, you need to differentiate a few lending companies from the property purchase department since they are more experts and well-versed about the newest products and regulations within the state. 

You can also request the lender to help you work on the files and be preapproved in no time. As soon as you become preapproved, you’re already prepared to move on to the next procedure and have provided the documentation that they need for you to be prequalified.   

Begin your house hunting 

The next thing to do is to start looking for active residential listings as well as a reputable realtor online. During this phase, you’ll be attending open houses, visiting homes, and differentiate the prospective residential homes that fit with the approved loan amount that you’re qualified for. 

Concentrate on the down payment. 

If you still haven’t saved for a down payment, it’s best to start now or as soon as you can. It’s crucial to wisely spend every cent you have and merge debts to reduce your risks to lenders. If you do so, you could save and acquire a huge down payment. You may also feel free to ask your lender for tips and strategies to know a realistic savings timeline. 

Make an offer 

When you already found a property that fits your needs, you should then place an offer. If you are prequalified, it’s more likely for the seller to accept your negotiated price. As soon as you become pre-approved and go one step further, you can attach the pre-approval letter with your offer. You can also offer them to purchase your prospective house with Hawaii BAH

Deal with your mortgage company 

Once the seller already accepted your offer and offered earnest money, that’s considered a successful contract. In this phase, you need to inform your chosen mortgage company regarding the contract and the pending closing date. If you’re merely pre-approved or prequalified, then you need to formally apply for mortgage approval as soon as possible. You will be asked to provide papers and documentation of your income, liabilities, and assets, and get your residential property to be appraised. The requirements will be explained to you in detail by your house loan lender. 

Closing 

After completing the task above, meet with your lender and real estate agent and let them sign the paperwork that proves that you’re now the official property owner. 

read more