Wednesday, September 21, 2022

Government Help With Home Renovations

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Average Price Of Common Home Repairs

Government’s homeowner grant to include renovations

The cost of home repairs varies widely, but its helpful to know what you might be able to expect. Here are the average prices of common home repairs, as outlined by HomeAdvisor:

  • Furnace repair: $267
  • Window glass replacement: $248
  • Garage door repair: $210

Some of the factors that may affect the price for these repairs include the age and condition of the home, the age and condition of the item being repaired, and the professional hired to do the job. As with any costly job, get quotes from two or three providers to ensure that you get the best deal possible.

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Niagara Region Ontario Renovates Program

Visit the Niagara web site to learn more about the Niagara Renovates Program. Youll find an overview of the program at that site, as well as income and home value limits.You can in either English or French from another section of the Niagara web site, or you can contact the housing authority to receive a form. Return the form by mail or fax.

Government Grants For Renovating A Home

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Because the government has a vested interest in making sure that all residential properties remain structurally sound and safe, it provides many avenues through which public money can travel to homeowners for the purpose of home renovations. Some of these grant programs are funded at the federal level but administered through state or local governmental agencies in every state. Californians looking to repair various systems in their home, or even those homeowners who want to try and add a little property value, may be able to benefit from some publicly funded grant or loan programs.

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What Is A Secondary Suite

A secondary suite is defined as a separate space with its own entrance, bathroom, and kitchen facilities. It must have all parts of a home that make it whole.

While it might be attached to a primary and detached household, either on the side or as a basement, it still functions as an independent unit. And that is the purpose of the secondary suite: independence.

Many municipalities across the country are encouraging people to build secondary suites to help with the population growth and migration to certain cities throughout the country. For those of you whove been thinking of building their very own secondary suite, there are SO many discounts available. Even the federal government has a program, so if you claim First Nations status, youre in luck!

What Help Is Available

Government Programs That Pay You to Remodel Your Home

Grants of up to £5,000 are available to meet the cost of major repairs and essential improvements to your home.

Where the cost of the building work is over £5,000 we can offer an interest free loan of up to £25,000 to meet the remaining costs.

If you are eligible, the Disability and Home Improvement Team will:

  • let you know what work will be covered by the assistance
  • appoint a building contractor from our list of preferred contractors to carry out the work
  • will manage the building contract for you.

The assistance will be paid directly to the contractor after the work has been satisfactorily completed.

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Seniors Property Tax Deferral Program

This program applies to citizens 65 and over to help lower their cost of living. So if youre a senior with an annual household income of less than $35,000, you are eligible to receive a deferral of the property taxes due on your primary residence.

Applicants who are approved will continue to receive a tax bill, but they will also receive a certificate proving they are no longer required to pay the taxes. Download an application and then send your application, along with your tax return, in by mail.

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What Federal Subsidies Are Available

No matter where in Canada you live, your project might qualify for the Canada Greener Homes Grant, a federal program to promote energy efficiency. The program was launched in spring 2021 and will remain in place until 2028, providing more than 700,000 households with grants of up to $5,000.

You must use the money to make your home greener and lower your electricity bills and other costs. How? You could upgrade your insulation, replace your doors and windows, or even install solar panels. In certain provinces, such as Quebec, the grant must be combined with a provincial program.

There are a number of steps to take. First, have your home evaluated by an EnerGuide energy advisor. Youll receive a report that can guide your renovation decisions. Once the work has been done, your home will be assessed again to verify that its energy efficiency has improved. Youll be eligible for up to $600 to cover the cost of the two evaluations as well as $5,000 for the actual renovations.

Various options are available. Terms and conditions apply. See the government of Canada website to learn more.

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Keep Project Costs Affordable

Although grants and other forms of financial assistance can ease the economic burden of home renovation, they may not cover all project costs.

To keep project costs affordable, there are some tips senior citizens should keep in mind.

  • Ask about affordability of materials. Ask the contractor if the work would be less expensive with other materials. A wheelchair ramp might be less expensive in another type of material.
  • Check on equipment costs. If a contractor must use an unusual piece of equipment in the renovation, 100% utilization is equal to 22 days or 176 hours. If your project will take significantly less than that, its cheaper to rent the equipment.Get multiple estimates. Get estimates on any renovation project from at least three contractors. Prices can vary from place to place, and each will give you more information on the pricing on the project.

Renovations can be very expensive, and that can be a problem for people on a fixed income, as many seniors are, but financial help to make necessary renovations is possible. A number of organizations offer grants for those looking for home renovations to keep up with growing needs, here are some ways to get help.

The Community Development Block Grant Program And Home Program

Home Renovations with VA Home Loan Refinancing | Department of Veterans Affairs | theSITREP
  • Contact the U.S. Department of Housing and Urban Development and state and local government officials to find free home repairs grants. This grant helps low to moderate-income homeowners who live in urban or city areas.
  • USDA Rural Development = Provides home repair assistance for communities with no more than 10,000 people. Finances are available to low-income rural residents and live in a property needing repair to make the home safe. 800-670-6553

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Makes Your Home Accessible

If you are having challenges accessing things in the cupboards of your home, contact DIY Shelfworks. Our easy to use and easy to install pull-out shelves will make getting things in your cupboard a breeze, even from a seated position. Place your order today and see how simple it is to reach every item in your kitchen cabinets.

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Division Of Neighborhood Services

This division administers programs that strengthen City neighborhoods and provides services to homeowners, tenants, merchants, and institutions that preserve dwellings. These include direct loans/grants to property owners for repair, renovation, energy conservation, and safety improvements. Other concerns include the support of quality, affordable housing for low income households and commmunity services from City and volunteer sources.

Exterior Paint Program

These specifications have been prepared for the purpose of establishing and maintaining high construction quality standards on City of Cleveland Rehabilitation projects, and making these standards clear to both property owners and contractors. The paperwork required of contractors is also explained.

Repair-A-Home

216.664.2045 – Weekdays 8 am to 5 pm – 601 Lakeside Ave., Room 302

This program helps homeowners repair Cleveland homes by offering low-interest loans ranging from 0% to 3%, determined by total household income. These loans are only for code related repairs, mechanical repairs or health and safety repairs.

Interested parties should contact the Division of Neighborhood Services at the above phone number for more information. A photo ID, proof of address , and proof of income are required.

2020/21 HOME Income Limits Effective July 2020

Neighborhood Historic Preservation and Heritage Home Programs

Senior Homeowner Assistance Program

216.664.2833 – Weekdays 8 am to 5 pm – 75 Erieview Plaza, 2nd Floor

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Home Renovation Tax Credit For Seniors And Persons With Disabilities

The Home renovation tax credit for seniors and persons with disabilities assists eligible individuals 65 and over and persons with disabilities with the cost of certain permanent home renovations to improve accessibility or be more functional or mobile at home.

The program for seniors started April 1, 2012. Effective February 17, 2016 the program was extended to persons with disabilities and renamed the Home Renovation Tax Credit for Seniors and Persons with Disabilities.

Youre eligible to claim the credit for the year if on the last day of the tax year youre:

  • A resident of B.C., and
  • A senior or a family member living with a senior, or
  • A person with a disability or a family member living with a person with a disability .

If you qualify for the disability tax credit, you’re eligible for this credit. If you aren’t claiming the disability amount because you’re claiming fees you paid for an attendant or care in a nursing home, you may still be eligible.

For seniors and family members living with seniors, your renovation expenses must happen on or after April 1, 2012. Expenses made or incurred under an agreement entered into before this date don’t qualify.

For persons with disabilities and family members living with them, renovation expenses must happen on or after February 17, 2016. Expenses made or incurred under an agreement entered into before this date don’t qualify.

Install Or Repurpose Flooring

Home Improvement Loans: Free Government Home Improvement Loans

“Updated hardwood floors or new carpeting can help sell a home,” said John Bodrozic, co-founder of digital home management tool HomeZada. “But a lot of the determination of whether the project pays for itself depends on how much money people put into the project.”

According to HomeAdvisor, existing carpets can be cleaned for about $174, and the average hardwood refinishing cost is $1.50 to $4 per square foot. Installation of new flooring increases the cost: $1,583 for carpet and $4,397 for wood. However, you can reduce these sums.

“If you have the skill or are willing to learn, you can save labor costs if you can do some of the work yourself,” said Bodrozic. “If you do hire a contractor, make sure you get three to five bids and make it known to the contractors that they are competing for the business. Depending on the marketing conditions and timing of your project, you could save yourself some money.”

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What Problems Are Solved With Homeowner Renovation Assistance

Government funded renovation programs help to reduce the negative effects of home deterioration. In many cases, unless something is done the deterioration of a single home can affect an entire neighborhood. Specially targeted programs can help to preserve and revitalize neighborhoods. A renovation assistance program can also be used by a community to achieve its individual goals. Every community has its own goals and they may not always be the same as the goals for the state and county governments.

What Help Is Available For My Home Energy Bill

The Low Income Home Energy Assistance Program may be able to help with:

  • Assistance to pay your heating or cooling bills
  • Emergency services in cases of energy crisis, such as utility shutoffs
  • Low-cost home improvements, known as weatherization, that make your home more energy efficient and lower your utility bills.

LIHEAP funds may not be used to pay water and sewer bills.

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Sample Quote And Invoice

When you apply for the grant, the quotes and invoices you submit must meet the terms and conditions.

Below are templates you can use for this purpose.

If your application is successful, you will be emailed one or more vouchers to pay for the renovations.

You must use a local business to renovate or improve your home.

A local business is a business that meets all of the following:

  • operates in the Northern Territory
  • has a permanent base in the NT
  • employs NT people.

If the local business doing the renovations wants to employ sub-contractors, they must also be local businesses.

You can use the grant with up to five different businesses if they meet these conditions.

Support For Seniors Age 65 And Over

$25 Million In Home Improvement Grants Distributed In Tobago

All seniors aged 65 or over who live in Ville de Laval may receive the grantif they meet the eligibility criteria. Get $100 if you live in a home occupied by someone 65 or over or $200 if you one or more people living in the home are over 65 AND receiving GIS. You must apply yearly to receive this grant.

The deadline for this grant is

If you are a low-income homeowner and a Gazifère customer, you could be eligible to receive double the assistance you already receive from a Gazifère energy-efficiency program. For example, the income of a family of four must be below $45,272.

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Private And Government Home Improvement Grants

Many Americans find themselves requiring home improvements at some point in their life. This might mean modifying the home to improve accessibility or to adapt to the needs of senior citizens, or it can mean making improvements to the homes energy efficiency to reduce bills and protect the environment. Regardless of the reasons these home modifications are needed, it goes without saying that making improvements to the home can be expensive.

Here are the costs of some common home repairs:

  • Boiler repairs: $350 for repairs, $4,000 for replacements
  • Furnace repairs: $267 for repairs, $4,376 for replacements
  • Garage door repairs: $210 for repairs, up to $1,500 for replacements
  • Roof repairs: $653 for repairs, $6,626 for replacements
  • Window replacements: $248 per pane

For seniors and disabled persons, home modifications can sometimes be even more expensive. Many require additions to the home, such as chairlifts, stairwell handrails, and wheelchair ramps, which can end up costing thousands of dollars to install.

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Power Smart Affordable Energy Program

If your household has a low income but you would like to improve your energy efficiency, Manitoba Hydro will do a free inspection to let you know what upgrades are available to you.

Through this program, you could receive free insulation, a natural gas furnace for $9.50 a month for 5 years, and/or a $3,000 rebate for the purchase of a high-efficiency natural gas boiler.

You will even receive these free energy-efficient items after your inspection:

  • Low-flow showerheads
  • LED bulbs
  • Faucet aerator

Both homeowners and landlords qualify for this program. Renters are welcome to participate, but any costs and rebates will belong to the landlord.

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Benefits Of Remodeling And Home Repairs

While many assume remodeling is only beneficial from a cosmetic perspective, there are a handful of other benefits that ensue from upkeep, remodels and consistent repairs precisely why there are so many programs dedicated to investing and loaning money toward it. A few major benefits include:

The long-term savings and increased value are wise reasons to invest and keep up with home renovations. Check out our visual below to see which improvement programs and fixes give you the most bang for your buck!

As you can see, the benefits and potential savings from properly maintaining your home should not go ignored. Whether taking advantage of government loans or using charities and funds to hire a contractor to help, there are many free renovation programs and affordable ways to ensure you can get the job done. Using savings from homeowners insurance and other areas can help fund these home renovation costs and keep you on track for a healthy, happy living space.

Community Development Block Grant Program

Government Home Improvement Programs

Authorized under Title 1 of the Housing and Community Development Act of 1974, the CDBG Program provides annual grants to states, cities and counties. These grants and funds can be used for a range of things, from infrastructure needs to housing rehabilitation. The program is subject to less federal oversight, and funds are allocated on a formula basis used at the discretion of the state and local governments.

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Avoiding Home Repair Scams

Be wary of a contractor who does any of the following:

  • Shows up uninvited or contact you before you reach out
  • Pressures you to sign a contract ASAP
  • Offers deals only available on that one day
  • Brings up an issue about your home that you never noticed yourself before
  • Makes you pay the full cost up front and insists on paying in cash
  • Offers to help finance the project if it involves your home equity or deed
  • Leaves a colleague inside your home while bringing you come to examine the damage

Need a trusted home warranty company? Read our Choice Home Warranty review.

Tips for avoiding home repair scams:

  • Dont commit to a contract before reading the contracts in full and/or getting multiple estimates
  • Ask for the contractors references and look up reviews online to check work quality
  • Visit Better Business Bureau to check for customer complaints and look for contractors in your area
  • Check with your states licensing agency to see if the contractor is licensed and registered with your states board of contractors and local building inspection office
  • See if the contractor has pledged to follow ethical guidelines created by the National Association of the Remodeling Industry.
  • Never pay the full payment until the work is completed, especially if cash is required
  • If youve experienced a home repair scam, report it to your state consumer-protection agency.

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