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This amount does not depend on your income. Your local authority will then advise you about ways to pay for the rest of the cost of the work. You may also wish to get independent financial advice.

This usually depends on your income and it will be means tested. You can ask your local authority to explain their rules for any extra grant and whether you qualify. There is no upper limit to the cost of the work, or for the amount of grant which can be given. But your local authority will check that the cost of the work is reasonable.

Occasionally it may not be possible to adapt your current home to meet your needs.

HOA Step-by-Step Guide to Buying a Home

This can happen for reasons such as:. In some situations other options may be suggested. Occasionally, your local authority may suggest that you think about moving to a different property. Very occasionally, help may be available to pay for the cost of buying, or even building, another more suitable home. This leaflet is a brief summary of the rules on grant funding for a major adaptation. More detailed information can be found in your local authority's Scheme of Assistance. The Scheme of Assistance will set out what your local authority considers to be essential works and all of the ways that it will help people living in the private sector.

If you feel that you might need some independent support to take you through this process you can ask for the help of an advocate.

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Advocacy services support people to represent their own interests. Where this is not possible, the advocate will represent your views. You can get more information on Advocacy Services, and search for an advocate in your local area, on the Scottish Independent Advocacy Alliance's website at www. If you are not happy with the decisions made about your care needs, or your eligibility you can complain to the council.

To make a complaint contact the person who last dealt with you, or the local authority's Complaints Officer. They will advise you on how to progress your complaint. Relevant contact details will be available on your local authority's website, or by contacting your local Social Work office. Disabled Living Foundation - www. Living Made Easy is an impartial advice and information website about daily living equipment and other aspects of independent living developed by the Disabled Living Foundation.

Ownership Options - www. Ownership Options helps disabled people to resolve their housing issues, by working on finding tailored solutions for individuals. They work across housing sectors, including private and social renting, however, their focus is on home ownership. Ask Sara - www. Ask Sara is an easy to use online self help guide that is particularly useful if you are not sure what help is available. Care Information Scotland is a helpline and website that has been set up to provide comprehensive information on community care for older people in Scotland. Money Made Clear - www.

Consider these questions before you go solar. When the sun shines onto a solar panel, photons from the sunlight are absorbed by the cells in the panel, which creates an electric field across the layers and causes electricity to flow.


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  6. Step-by-step guide to selling your home privately.

Learn more about how PV works. The second technology is concentrating solar power, or CSP. It is used primarily in very large power plants and is not appropriate for residential use. This technology uses mirrors to reflect and concentrate sunlight onto receivers that collect solar energy and convert it to heat, which can then be used to produce electricity.

A How-To Guide for Protecting High-Net Worth Homes - SB One Insurance Agency

Learn more about how CSP works. Solar panels are built to work in all climates, but in some cases, rooftops may not be suitable for solar systems due to age or tree cover.


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  • If there are trees near your home that create excessive shade on your roof, rooftop panels may not be the most ideal option. The size, shape, and slope of your roof are also important factors to consider. Typically, solar panels perform best on south-facing roofs with a slope between 15 and 40 degrees, though other roofs may be suitable too.

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    You should also consider the age of your roof and how long until it will need replacement. Community solar allows multiple people to benefit from a single, shared solar array that can be installed on- or off-site. Costs associated with purchasing and installing a solar energy system are divided among all of the participants, who are able to buy into the shared system at a level that best fits their budget.

    Learn more about community solar. Those interested in community solar can take advantage of a tool from awardee EnergySage. In addition to those resources, an internet search can help you find local companies that install solar panels. These programs work by allowing groups of homeowners to work together to collectively negotiate rates, select an installer, and create additional community interest in solar through a limited-time offer to join the campaign.

    Ultimately, as the number of residents who participate in the program increase, the cost of the installations will decrease. Right now, the best way to install solar is through a qualified professional who holds a certification to do so and works with high-quality solar panels. In the future, though, you will likely be able to install solar yourself. This is still in development — until it is available at your local home improvement store, you should work with a certified solar installer. It estimates the energy production and cost of energy of grid-connected PV energy systems for any address in the world.

    These tools are great for getting started, but make sure to work with a solar installer for a custom estimate of how much power your solar energy system is likely to generate. The amount of money you can save with solar depends upon how much electricity you consume, the size of your solar energy system, if you choose to buy or lease your system, and how much power it is able to generate given the direction your roof faces and how much sunlight hits it. If you ask one insurance company for a quote, provide the same exact information to the second company, so you can get a true comparison of their rates.

    Typically, you will pay for homeowners insurance through your mortgage lender. Your house payment will be divided into PITI —principal, interest, taxes and insurance. The mortgage lender handles disbursement of the insurance premium to your insurance company, and pays the property taxes. If your insurance or tax rates change, your mortgage company may contact you and adjust your mortgage payment to make up for any shortfall.

    No matter your situation, if you are a homeowner, you need this insurance. If you are a renter, you can get renters insurance to cover your belongings, and your landlord will handle the homeowners insurance. If you are buying a home for the first time, be sure to get first-time homebuyer education , which will teach you more about insurance and what to look for when choosing a policy.

    Fill out the form below and one of our certified financial coaches will discuss how to get the debt solution that is right for you. There is not cost or obligation for our credit and debt coaching services. Sign up for credit. I want to receive credit. One of our Financial Coaches will contact you to discuss the path to reaching your financial goals.

    Speak to a Coach Now Why You Need Homeowners Insurance If you are still making mortgage payments on your home, then your mortgage lender will require you to have coverage. What Homeowners Insurance Covers Damage to Your House Insurance covers many different kinds of damage that can happen to your property, including fire, smoke, hail, lightning, wind damage, water damage, accidental damage, electrical damage, rioting, vandalism and more.

    Theft Besides the house itself, the contents of your house are covered, so if someone breaks in and steals from you, you can file a claim. Replacement Cost Value Or RCV, insures you for the actual cost to replace the lost property, not just the cheapest version your insurance company can find online. Optional coverage You can opt for extra coverage for specific circumstances: Anything not included. The things we listed above might not always be included.

    Depending on where your property is, wind damage might not be covered automatically.

    A How-To Guide for Protecting High-Net Worth Homes

    Ditto water damage from a sewer backup. ID theft coverage. These days, consumers need to take action to protect themselves from ID Theft, and many insurance companies offer protection for victims of identity theft.