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  1. Tharber

    Florida Realtors and Homebuilding Journey

    There is no doubt that at one time bricks were solid, like old Chicago brick. One thing to consider he in FL is that anything solid like that, tends to wick water and transmit heat. The holes give a thermal break, much like concrete blocks do. I have recently looked at some new age concrete...
  2. Tharber

    Florida Realtors and Homebuilding Journey

    The holes in the brick serve many purposes. They help the brick cure better in the kiln, they provide a better 'grip' for the mortar and they also have an insulating factor due to the air pockets. Solid bricks are hardly, if ever used in this type of installation, maybe for a load bearing arch...
  3. Tharber

    Florida Realtors and Homebuilding Journey

    They look like full brick to me, see under the window as well as the previous picture of the bricks on a pallet. Insulation is done from the inside. The membrane is a water proof barrier and there will be slots here and there that are not mortared so that if any water penetrates that it can...
  4. Tharber

    Florida Realtors and Homebuilding Journey

    Harmless black snake, that is unless for example you open your garage door and 2 fall out on you. Ask me how I know!
  5. Tharber

    Florida Realtors and Homebuilding Journey

    Honestly with the FL wind code requirements there is not much to worry about. Storms do the damage if the envelope of the house is compromised, ie.. roof blows off and they have never really been anything other than framed. There are some new standards coming out, I don't know if its in his...
  6. Tharber

    Self insurance quote from late Billionare- who organization sells insurance

    Fraud is absolutely running rampant. Too many people use insurance as a warranty. In all my years, I have never had a single claim filed. I take care of my home and buildings and do not defer any maintenace.
  7. Tharber

    Self insurance quote from late Billionare- who organization sells insurance

    Yes I have the entire Moody's suite and my exposure is minimal. I have zero chances of flood and a mild risk of wind damage.
  8. Tharber

    Self insurance quote from late Billionare- who organization sells insurance

    I do not disagree with you. I will give you a personal example. I have a commercial building, with a new roof (2024)and impact resistant windows (2025). It is a CBS building with new A/C even. My carrier wanted $17,567 per year with a $15,000 wind deductible. The building is worth around...
  9. Tharber

    Self insurance quote from late Billionare- who organization sells insurance

    If you use the concept of capital accumulation an invest what your premiums would have been, it is very easy to self insure. You would need to calculate the value of your loss and invest that money accordingly. I help many commercial property owners do this. You need to have a liability...
  10. Tharber

    Box store vs supply house water heaters

    I prefer to purchase Bradford White. They are an American owned and employee owned company and produce their own water heaters.
  11. Tharber

    Another article showing concern in the housing market- yet the author may have lacked critical thinking

    Costs have decreased but the media is not going to mention that at all. Margins are the same so sales prices can decrease.
  12. Tharber

    Florida Realtors and Homebuilding Journey

    The house is in unincorporated Brevard county. Yes the buyers taxes will go up based on sales price. I'm not sure if they are claiming homestead exemption or not but if so the estimated property taxes will be about $7600 yr. The insurance I don't know. I had done everything to the house that I...
  13. Tharber

    Florida Realtors and Homebuilding Journey

    <y house that I just sold for $830,000 was $2600 yr insurance and $5500 property taxes.
  14. Tharber

    Florida Realtors and Homebuilding Journey

    CDD's are few and far between. Mostly golf course related subs.
  15. Tharber

    tub p trap

    Go back with another brass piece.
  16. Tharber

    Florida Realtors and Homebuilding Journey

    My particular area is still on fire sales wise. I am a commercial broker only so I can not speak about other areas. Taxes are not that bad and neither is insurance, despite what some would have you think.
  17. Tharber

    Florida Realtors and Homebuilding Journey

    Things will pick up with this weeks rate drop and if the Fed lowers it another 2x this year, the RE market will go crazy again.
  18. Tharber

    Florida Realtors and Homebuilding Journey

    I have not seen that here at all. Look up Viera, FL and you will see. Everytime I go out, there is a new subdivision going up.
  19. Tharber

    Florida Realtors and Homebuilding Journey

    I haven't been to this site in awhile but as for making repairs based on a Realtors advice. I never recommended any repairs unless there was something really, really needed. I always folowed up on showings and simply asked #1 what the clients thought of price and #2 whagt they thought of the...
  20. Tharber

    Florida Realtors and Homebuilding Journey

    Brevard County FL is still on fire. New homes gooing up everywhere and prices are climbing.
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