Pg. 06 - Protecting Property Rights: Why You Should Attend the PODL Event
Pg. 20 - Benefits for Landlords of Free Lead Hazard Removal Grants
Pg. 08 - Why Attend a Local Real Estate Meet-Up in CT?
Pg. 32 - Finding Great Tenants: A Connecticut Landlord's Guide to Tenant Screening
Publisher’s Message
A Message From Bob DeCosmo, President Of CTPOA
News And Views From The Capitol
Protecting Property Rights: Why You Should Attend the PODL Event
Realtor Report
Why Attend a Local Real Estate Meet-Up in CT?
Insights How Often Should I Shop Around for Homeowners
Management Tips & Tricks Top 10 Fall Maintenance Tips for Landlords and Property Managers
By Bob DeCosmo
Advocate For Property Owner Rights
Every election is important but this year it seems to carry greater weight than normal, especially for the future of Connecticut rental housing. I need to stress that all real estate professionals must vote and make sure you and your family support fiscally responsible candidates as the future of your business is at stake.
We have a long-standing battle in the legislature over housing and the future of landlord / tenant policy is up for grabs. Many Progressive/Socialist Democrats want to see an end to private ownership of rental property and replace it with nonprofit or government owned operations. Their motto is “Housing for the people, not for profit”
Their idea is a non-starter, it won’t work. I ask this question. Has anyone seen a housing authority complex that you would want to raise your family in? Probably not because of several reasons including there is no pride of ownership, there’s no financial gain to pass down to your next of kin and no reason to go above and beyond just good enough for your efforts, it’s just a job.
Most people think politics is about good creating good government, the sad reality is it’s not! Politics today is about adjudication of power and the fight to spend the taxpayers’ dollars. I have been a longstanding advocate for private property owner rights and operate a trade association for property owners. Many housing providers tell me they are afraid to get involved because they fear retaliation by their local elected officials this is an absurd rationale and needs to be overcome, we need more property owners involved.
Politics has become a full contact sport fueled by biased media that pretend to be “News Channels” but are not, they are classified as “Entertainment Networks” under a Regan era FCC ruling and have no obligation to report the truth!
The political ideology mix is about an 10-80-10 equation with extreme elements from both sides driving the agenda. Yet 80% of the population is near the center of the debate, but the tail wags the dog today in politics…this also needs to change.
The property owner community is fed up with “Class Warfare and Identity Politics” in the CT Legislature and have taken matters into their own hands by creating an Independent Expenditure Political Action Committee (PAC) called the Property Owner Defense League. The PAC will support legislators that defend property rights and oppose those that do not.
The PAC is hosting another event on Tuesday September 17th at the Omni Hotel in New Haven from 6 to 8 PM, please feel free to attend and hear from legislators that support property rights and speakers involved in defending these rights in Connecticut, the event is free to attend.
The PAC will shortly be deciding on which races it wants to enter and influence the outcome. This year make sure you cast your ballot in the election for the sake of your business interests and vote for the candidate that most closely resembles your philosophical position…political parties mean nothing, it’s about the candidate’s position on the issues.
By: CTPOA
The Property Owner Defense League (PODL) is a Connecticut-based organization that advocates for the rights of property owners. They believe that strong property rights are essential for a healthy rental market and a thriving community.
PODL is hosting an upcoming event to raise awareness about their mission and to get support for their cause. This is a great opportunity for real estate professionals to learn more about the issues that are important to property owners and to network with other likeminded individuals.
When: September 17th, 6-8pm
Where: Omni New Haven Hotel at Yale, 155 Temple St, New Haven, CT 06510
RSVP: HERE
What is the PODL mission?
To support legislators that support property owner rights and oppose those that do not. The only way to change the direction that these pro-tenant policies are heading is to change the composition of the legislators that create them. The PAC is the legal way to influence election outcomes.
Strong property rights are essential for a healthy real estate market. When property owners feel secure in their ownership rights, they are more likely to invest in their properties and maintain them in good condition. This benefits everyone in the community, as it leads to higher property values and a more attractive living environment.
The PODL event will feature speakers who will discuss the importance of property rights and the challenges that property owners are currently facing in the Connecticut Legislature. There will also be an opportunity to network with other real estate professionals and learn more about the PODL organization.
If you are a real estate professional in Connecticut, we encourage you to attend the PODL event at the Omni Hotel in New Haven on September 17th from 6-8pm. PLEASE RSVP HERE. This is a great opportunity to learn more about the issues that are important to property owners and to show your support for their cause. You can also get involved with the PODL by donating to their organization or volunteering your time. By working together, we can protect property rights in Connecticut and ensure a healthy real estate market for everyone.
By: CTPOA
Attending a local real estate meet-up in Connecticut can be a valuable experience for real estate professionals of all levels.These gatherings offer a unique opportunity to network, learn, and stay updated on the latest trends and developments in the Connecticut real estate market. Here are some of the key benefits of attending a local real estate meetup:
1. Have Fun and Network Socially:
• Enjoy Good Food and Drinks: Many meetups offer delicious food and drinks, providing a relaxed and enjoyable atmosphere.
• Socialize with Colleagues: Connect with other professionals on a personal level and build lasting relationships.
• Relax and Recharge: Take a break from the hustle and bustle of your daily routine and
have some fun.
2. Networking Opportunities:
• Connect with Local Professionals: Meetups provide a platform to connect with other real estate professionals in your area, including agents, brokers, appraisers, lenders, and attorneys.
• Build Relationships: Building relationships with local professionals can lead to referrals, partnerships, and collaborations.
• Expand Your Network: Expanding your network can help you increase your visibility and grow your business.
3. Learn from Experts:
• Industry Insights: Meet-ups often feature guest speakers or panel discussions with
industry experts who share their insights and knowledge.
• Stay Updated: Learn about the latest trends, market conditions, and regulatory changes in the Connecticut real estate market.
• Gain Valuable Tips: Pick up valuable tips and strategies from experienced professionals.
4. Professional Development:
• Continue Your Education: Meet-ups can help you stay sharp and continue your professional development.
• Learn New Skills: Attend workshops or seminars on topics such as negotiation, marketing, or technology.
• Improve Your Business: Apply the knowledge and skills you gain to improve your real estate business.
5. Stay Informed:
• Local Market Updates: Get the latest updates on the Connecticut real estate market, including property values, interest rates, and inventory levels.
• Community News: Learn about local developments and projects that may impact
the real estate market.
• Stay Ahead of the Curve: Stay informed about industry trends and opportunities.
6. Build Your Brand:
• Increase Visibility: Attend meet-ups to increase your visibility among local real estate professionals.
• Establish Yourself as an Expert: Share your expertise and knowledge to establish yourself as a thought leader in the industry.
• Build Trust: Develop relationships with other professionals and build trust within the local real estate community.
By attending local real estate meet-ups in Connecticut, you can enhance your professional development, expand your network, and stay informed about the latest trends and developments in the market. But most importantly, you can have a great time and make new connections. So, make it a point to attend the next meet-up in your area and reap the benefits! The best place to find local meet-ups in your area is by visiting CTPOA.com and signing up for CTPOA emails HERE.
By: Ben Luthi, with
Homeowners insurance is an important policy to have in place because it can give you financial recourse if your home or property is damaged, stolen or destroyed. Many homeowners decide on a policy, factor it into their monthly budget and forget about it.
But even if you shopped around to get the best deal when you first purchased your house, it doesn't mean your company still offers the best price. Here's why you should re-shop your policy every year or two.
Homeowners insurance carriers consider several different factors when calculating your policy premium, and it's possible for some of these factors to change over time. What's more, insurers may reevaluate how they view them when determining rates.
While factors can vary from insurer to insurer, here are some of the more common considerations that go into your policy premium calculation:
• Location
• Replacement cost of the home
• Deductible
• The home's age and condition
• Security and safety features
• Claims history
• Your credit history (in states where it's allowed)
• Condition of the roof
• Home renovations and remodeling projects
• The presence of a swimming pool or
There's no set amount of time that you have to hold on to your original homeowners insurance policy. You can even cancel it in the middle of the year if you've found something better, although some carriers may charge a small fee for early cancellation.
In particular, though, you may want to consider re-shopping your homeowners insurance policy every year or two, particularly if your premium increases. If you pay your home insurance as part of your mortgage, your mortgage payment could also rise because of premium increases.
That said, your mortgage payment may include your principal and interest payment, homeowners insurance and property taxes, so you'll want to dig into your payment to find out which component caused the increase.
Even if your insurance premium hasn't gone up, it may make sense to re-shop your coverage if your insurance company doesn't plan to renew your policy, the company is making changes to your coverage or you don't have enough coverage based on the value of the home.
When shopping around for homeowners insurance, it's important to cast a wide net.
The more companies you can compare, the better, and that includes both large and small carriers.
Of course, this can be extremely timeconsuming if you're submitting an application with each individual company. A good way to save time is to work with an insurance broker or an independent agent who works with multiple insurers.
Before you pick a broker or an agent, ask about how they're compensated. Some may receive better commissions from certain carriers and may recommend their policies, even if they're not the best fit for you.
You can also use online brokers that don't offer a personal touch but can provide you with quotes based on your situation and information.
There's no particular time of year in which it's best to re-shop homeowners insurance, so do it when it works best with your schedule.
In addition to re-shopping your policy, there are several things you can do to improve your chances of securing a lower rate:
• Improve your credit. According to the National Association of Insurance Commissioners, 85% of homeowners insurance carriers use credit-based insurance scores in states where it's
legally allowed. You can get your free credit score and credit report from Experian to see where your credit stands and take steps to improve your credit score to potentially help lower your premium.
• Raise your deductible. Your deductible is the amount that you have to pay out of pocket in the event of an insurance claim. A lower deductible means less out-of-pocket expenses in that scenario, but it also means a higher premium. If you can afford a higher deductible than the one you have, consider increasing it to see how much you can save on your rate.
• Bundle your policies. If you haven't already, consider getting your homeowners insurance through the same carrier that maintains your auto insurance policy. Most insurers offer discounts to those who bundle different types of policies together.
• Improve safety and security. Speak with an insurance agent about steps you can take to
improve the safety and security of your home. That may include things like installing a home security system, installing storm shutters, reinforcing your roof, modernizing your heating, plumbing and electrical systems and more.
Note that some of these steps may not be an option for everyone. Take the time to consider which ones may work for you and the potential costs associated with them to decide how to proceed.
Improving your credit can make it easier to qualify for better insurance rates, but it's important to avoid being complacent once you've achieved your goal. Over time, insurers may recheck your credit at renewal and adjust your premiums accordingly.
Additionally, if you decide to move, your new homeowners insurance rate could depend partly on your credit score.
By: Alecia Pirulis, with apartments.com
When the temperature dips and leaves start to fall, images of cozy evenings by the fire and pumpkin spiced drinks come to mind. As nice as autumn is, however, in many parts of the country it’s also a forewarning that deep freezes and piles of snow are just around the corner.
Start preparing now for winter’s assault on roofs, siding, and walkways by doing these 10 fall maintenance tasks. You'll make sure your rental property is ready for the impending winter weather and that your tenants stay warm, dry, and happy.
1. Clean the roof and gutters
Let’s face it: cleaning the gutters isn’t a fun job. But it is something you need to do every year. While you’re at it, use a
rake and a leaf blower to get any fallen leaves off the roof. Clogged gutters and piles of leaves and twigs in roof valleys are the main reasons ice dams and icicles form. In addition to creating extra weight for the roof to support, these freezing weather hazards eventually melt to form pools of standing water that can cause leaks.
If you are considering getting gutter guards, choose wisely. Installing gutter guards can keep leaves and debris out but be wary of wire mesh guards. While these can keep out large debris, pine needles and small leaves can get in and block water flow. Mesh guards prevent you from reaching into the gutters, which can make cleaning that much more
difficult. Alternatives include micromesh guards, which keep out pine needles and other small debris, and hinged guards which you can lift out of the way when cleaning.
Let’s face it: during the winter, ice happens. Iced-over branches that overhang the roof can snap off and cause damage. They’re also providers of roof debris that can cause ice dams, and they provide a bridge for rats, squirrels, and other pests looking for a warm place to spend winter to get onto the roof and into your attic.
Branches that could interfere with powerlines also need to go. Working around power lines is dangerous, so you’ll likely want to call in a pro to tackle this job.
While you are cleaning up the branches, don’t forget to prune back ivy and other creeping vines that have reached roof height.
3. Rake the leaves
Autumn wouldn’t be as beautiful without falling leaves. But integral part of the season that they are, these colorful paint
splatters on nature’s canvas are also a major headache. Raking leaves is a fall maintenance job every property owner needs to tackle. If you prefer not to do this yourself, assign it to your renters in the lease and offer them a small rent reduction as an incentive. You might also want to consider hiring a professional landscaper to maintain your property. Removing and properly disposing of leaves protects the lawn and gardens, prevents slipping hazards in the rain, and keeps the neighbors and even the HOA — happy.
Drafts coming through unsealed doors and windows drive up the heating bill and can make tenants uncomfortable. It might even cause them to become ill. Foam weatherstripping lasts from five to 10 years, depending on quality, and should be replaced when it cracks or shrinks. The best time to do this is in the fall, after the harsh, foam-degrading summer sunshine ends but before the cold winds of winter start to blow.
You can control drafts coming through the window and door casings by
removing the casings and spraying foam insulation in the gap between the window or door frame and the studs. You can hire someone to do this in a day, and if you’re paying the heating bills, you’ll recover that cost by saving as much as 10 to 15 percent on your energy bill this winter.
Cleaning and replacing HVAC filters is a routine task you’ll want to do every year, so make it part of your fall maintenance regimen. Central heating systems work around the clock during the cold winter months. Clean filters will ensure the system is working efficiently. Replace all the return air filters as well as any filters on the heater housing itself.
6. Patch holes
Just as critters are looking for a way into
your warm, cozy home from the roof, they could be mounting a ground assault, as well. Resourceful animals can get through holes as small as ¼ inch in diameter, so patch all holes no matter how small. Caulk or foam spray work great for these smaller holes, while wire mesh, sheet metal, or plywood can cover larger ones.
While you’re at it, check the attic vents for holes or frayed edges. Look for rot in the eaves or foundation. Dig it out and fill with epoxy filer to prevent rodents from eating their way into your property.
One of the most common hazards of winter are burst water pipes. This often occurs in pipes that feed hose bibs on the side of the house or in the garden. To prevent burst pipes, turn off the valve to
these faucets, then open them and allow the water to drain. It’s a good idea to leave the faucets slightly open to make sure that any ice that might form in the pipes has room to expand.
even just coming into contact with it can cause skin rashes and irritation. Don’t forget to check the damper and clean the spark arrestor.
10. Conduct a fall maintenance safety inspection
8. Turn off and drain the sprinkler system
Most sprinkler systems have a drain valve located at the lowest point in the system. If you can’t find the valve, you might need to have one installed. To use this valve effectively, you first need to turn off the main water supply, then open the valve for each zone while the drain valve is open. This allows the water backed up behind each zone valve to flow out through the drain.
9. Check and clean the chimney
If your property has a wood stove or fireplace, yearly chimney maintenance is a must. Creosote builds up quickly. If a spark from the lit fireplace catches the creosote, it can cause a major fire. It’s best to leave this one to the professionals. Not only do you need special equipment, but creosote is a health risk. It can cause major damage to the liver and kidneys if ingested, and
During the summer, loose decking boards and rotted stair treads are irritating. In the winter, buried under ice and snow, they become a hazard. When you’re replacing popped nails or rotted boards, pay attention to the railings, especially those on outdoor staircases. You want to make sure they can support someone who loses their footing. If you want to help prevent slips from occurring in the first place, consider applying a non -slip coating to the treads.
Do yourself a favor and tackle these maintenance projects now, when the days are crisp and the skies are blue. Save yourself from having to make that late-night trek in snow and ice for emergency repairs this winter. Not only are emergency repairs a headache, but they’re often quite costly. If you can spend some time and a little bit of money now, you can prevent more expensive repairs later on and protect your investment.
By: CTPOA
Are you a Connecticut homeowner that may have lead paint hazards in your property? Don't miss this incredible opportunity to have these dangerous toxins removed at no cost!
The CT Property Owners Alliance is hosting a webinar on September 26th at 1 PM, where you'll learn about a groundbreaking grant program that can save you tens of thousands of dollars. This is a once-in-a-lifetime chance to ensure the safety and health of your residents’ family and increase your property value. Register now at CTPOA.com/events and secure your spot! Free lead hazard removal programs offer a significant advantage to landlords. Here are some of the key benefits:
1. Increased Property Value:
• Free Renovations: Renovated properties using government funding often include free exterior and interior renovations. This can result in significant cost savings for homeowners, as these projects can be expensive when done privately.
• Attracts More Tenants: Properties with known lead hazards can be less appealing to potential tenants. Removing these hazards can significantly improve the property's marketability.
• Higher Rental Rates: Once the lead hazards are addressed, landlords can often command higher rental rates due to the improved property condition.
• Compliance with Regulations: Lead hazard removal programs often align with local, state, and federal regulations. By participating, landlords can mitigate the risk of legal penalties and lawsuits.
• Protection of Tenants: Landlords have a legal obligation to provide safe living conditions for their tenants. Removing lead hazards demonstrates a commitment to tenant safety and lessens the risk of receiving an abatement order issue dby local health departments.
• Healthier Living Environment: Lead exposure, especially in young children, can have severe health consequences. By removing lead hazards, landlords contribute to the well-being of their tenants.
• Increased Tenant Retention: Happy and healthy tenants are more likely to renew their leases, reducing turnover costs and ensuring a stable rental income.
• Ethical Responsibility: Knowing that their properties are free of lead hazards provides landlords with a sense of peace of mind and satisfaction in fulfilling their responsibilities in providing quality dwellings for their residents.
• Long-Term Investment: Investing in lead hazard removal can pay dividends in terms of property value, tenant satisfaction, and legal compliance.
By taking advantage of free lead hazard removal programs, landlords can not only improve the safety and value of their properties but also contribute to the overall health and well-being of their communities.
Don't let lead paint hazards jeopardize the well-being of your family and the value of your home. Join us on September 26th at 1 PM for our free webinar and discover how you can take advantage of this exceptional grant program. This is your chance to create a healthier, safer living environment without breaking the bank. Register now at CTPOA.com/events and secure your spot today!
From: energy.gov
The following tips will save money and energy while staying comfortable during the cool fall and cold winter months. Many of these tips can be used on a daily basis to increase your savings; others are simple and inexpensive actions you can take to ensure maximum savings through the winter.
If you haven't already, conduct an energy assessment to determine where to save the most, and consider making a larger investment for long-term energy savings.
Also check out no-cost and low-cost tips to save energy during the spring and summer.
Take Advantage of Heat from the Sun
• Open curtains on the south-facing windows during the day to allow sunlight to naturally heat the home, and close them at night to reduce the chill from cold windows.
• Be certain to plant deciduous trees on the south facing side of the home, especially in proximity to windows. They will let the light and warmth in the windows during the winter and will shade the windows in the summer.
• Use a heavy-duty, clear plastic sheet on a frame or tape clear plastic film to the inside of window frames during the cold winter months. Make sure the plastic is sealed tightly to the frame to help reduce infiltration.
• Install tight-fitting, insulating drapes or shades on windows that feel drafty after weatherizing.
Adjust the Temperature
• When you are home and awake, set the thermostat as low as is comfortable.
• When you are asleep or out of the house, turn the thermostat back to save as much as 10% a year on your heating and cooling bills. A smart or programmable thermostat can make it easy to set back your temperature. But make sure the temperature is comfortable for pets!
• If you have a heat pump, maintain a moderate setting or use a programmable thermostat specially designed for use with heat pumps.
Find and Seal Leaks
• Seal air leaks around utility cutthroughs for pipes ("plumbing penetrations"), gaps around chimneys and recessed lights in insulated ceilings, and unfinished spaces behind cupboards and closets.
• Add caulk or weatherstripping to seal air leaks around leaky doors and windows.
Maintain Your Heating Systems
• Schedule routine service for home heating systems.
• Replace furnace and heat pump filters once a month or as needed. Find out more about maintaining furnaces or boilers and heat pumps.
• Regularly clean the flue vent of wood and pellet burning heaters and clean the inside of the appliance with a wire brush periodically to ensure that it is heating efficiently. Find other maintenance recommendations for wood- and pelletburning appliances
• Keep the fireplace damper closed unless a fire is burning. Keeping the damper open is like keeping a window wide open during the winter; it allows warm air to go right up the chimney.
• When using the fireplace, reduce heat loss by opening dampers in the bottom of the firebox (if provided) or open the nearest window slightly--approximately 1 inch--and close doors leading into the room. Lower the thermostat setting to between 50° and 55°F.
• If the fireplace is never used, plug and seal the chimney flue.
• Install tempered glass doors and a heat-air exchange system that blows warmed air back into the room.
• Check the seal on the fireplace flue damper and make it as snug as possible.
• Purchase grates made of C-shaped metal tubes to draw cool room air into the fireplace and circulate warm air back into the room.
• Add caulking around the fireplace hearth. Find out more techniques to improve your fireplace or woodburning appliance's efficiency.
• Keep the temperature of the water heater to the warm setting (120°F). This will not only save energy, it will also help avoid scalding.
Find other ideas for energy-efficient water heating.
• Use light-emitting diode (LED) holiday light strings to reduce the cost of decorating the home for the winter holidays.
Learn about the advantages and potential cost savings of LED holiday light strings.
Signing a lease is one of the most important steps in renting out a property. This protects you from any financial burden that may occur. If you fail to have a proper lease agreement, you may even end up as far as giving up your rental investment. Thus, as a landlord, you have to protect yourself and your property by having a lease agreement.
Renting has a specified length of time. A lease agreement determines this time as well as the terms of the lease the tenant and the landlords have agreed upon. The lease agreement also helps set who's going to be responsible for certain events and answers many questions during the rental term. It's always a good idea to review the lease agreement with tenants so they won't have to come back to you if they have questions.
The following are just some of the importance of a lease agreement when leasing a property:
Stating the rental fee explicitly will avoid confusion and helps the tenant determine if the property is within the range of their budget or not. It's also good to have a specific time for due dates on rentals, so there will be no delays in payment, and the tenant will have properly prepared their finances for each monthly term.
Repairs of the house may happen. If a lightbulb is busted, usually, it'll be the tenant who'll take care of it. However, for major issues, like broken doors and windows, which is already part of the physical property, it should be specifically stated who'll do the maintenance of major repairs.
Most landlords would be responsible for the functional systems of a rental property, such as plumbing, electricity, heat, and air-conditioning,
but there has to be a process in place in case tenant needs their assistance.
For example, will the tenant take care of these major repairs and have the money paid back by the landlord, or will the landlord be responsible for the repairs themselves? The lease should also include the time frame when the repairs should start.
These terms are important because a tenant cannot live in a house with repair issues. Repairs must be done immediately because it can get uncomfortable living in the property or even dangerous.
Utilities are almost always the responsibility of the tenant. However, there are some lease agreements that include utilities with the monthly rent.
The tenant will have the chance to know which utilities they have to pay for and which ones will get covered with their monthly rent.
It's important to state clearly the utilities that'll be covered. This way, the tenant will know which utility they will have to pay separately for.
The lease term is the length of time a tenant will be staying in a property. This gives them a clear idea that they have to fulfill the contract.
Some lease agreements will state that a
tenant has to stay in a property for two years. Tenants will know if this fits their needs because some tenants will only stay in a place for six months.
Tenants can also encounter personal issues and may have to move out earlier than stipulated in the agreement. In this case, it should be determined what the penalties are and if the tenant will be agreeing to be responsible for it.
A security deposit, or a damage deposit, protect the landlord. This is a deposit that's paid for by the tenant once the lease starts.
Many landlords will ask for this deposit, and it should be made clear to the tenant when the money will be returned to them and under what conditions. Usually, landlords will only return the deposit once they've fully inspected a property and have seen that it's damage free. Some landlords, on the other hand, will only return the deposit if the rental space has already been cleaned thoroughly.
A tenant has responsibilities to the landlord's property, and this should be stipulated. Every action of the tenant affects the property value and insurance of the property.
For example, if the tenant goes on vacation, it should be stated that they should inform the landlord. You may also find that you'll have a
guest or non-tenant stay with you for an extended period of time. The landlord should be informed. If the rental property is unattended, the landlord should know because it can affect insurance policies in case something happens. Tenants also have a responsibility to the upkeep of the rental property, and it's within the landlord's best interests to be immediately informed if there's any damage to the functional system of the house, such as plumbing and electricity. These issues should be repaired quickly because the damage will spread if it's left untouched.
The tenant should know in the lease agreement if they should inform the landlord if any such issues happen.
If a tenant is only going to stay in a property for a short period of time, rent increases won't be an issue. But, renting for a longer period of time can increase the price of the rent.
The lease agreement should specify the percentage which the rent will rise.
Some tenants will have pets, and it's important for a landlord to state explicitly which kinds of pets are allowed in the property. For example, can a tenant keep large breeds of dogs? If possible, the lease agreement should state the type of breeds allowed.
Pets affect the property due to the noise, smell, and mess they make. Pets also potentially bring in allergies, so a landlord should have a stipulation for pets because it affects the living conditions of the other tenants as well as the cleanliness of the property.
A property is an investment, and you want to make your property earn money for you. However, renting a property can cause you to lose money if you have tenants that are not aware of lease agreements and do things that are counter to it.
It's important to review the lease agreement with them, so there should be a clear expectation for each party.
When disaster strikes your property, call Ranciato Public Adjusters Group, LLC, as soon as possible. We will be your fierce advocate and do what it takes to maximize your settlement.
Whatever you do, don’t take the word of your insurance company’s assigned claims adjuster. After all, it’s in their best interest to downplay damage to your property and underpay you, since it’s their job to save the insurance company money. There’s a better way to get the insurance settlement you deserve. Instead, leverage the expertise of our public insurance claims adjusters. We work for you. Whether you’re in Connecticut, Vermont, or Florida, we’ll fight on your behalf and do everything we can to help you get your life back on track.
Contact us today to receive a free review of your claim. The sooner you engage our public adjusters after a loss, the more beneficial your settlement will be.
Phone: (888) 298-9014
Website: Click here!
As a team of public insurance claims adjusters with 100 years of combined experience, we are insurance experts. Our job is to maximize your recovery with fairness and efficiency.
We are the policyholder’s advocate for appraising, negotiating, and adjusting an insurance claim. In other words, while your insurance company has its own independent adjuster to represent its interests, you have us to represent you.
Our public adjuster services primarily involve:
• Documenting the damage to your property
• Preparing estimates for the building and/or personal property, as well as other claim documents
• Reviewing the policy and determining coverage
• Negotiating the replacement cost, depreciation, and actual cash value of the loss
• Meeting with the insurance company’s claims adjuster (and other contractors and professionals)
• Educating you, the policyholder, on your responsibilities under the policy and ensuring you comply with all required conditions
Importantly, engaging our public adjusters as early as possible will provide you with the best chance at receiving a fair settlement that covers all losses under your policy. Do this before your insurance company automatically assigns one of its own independent insurance adjusters to your case. We’ll make sure you don’t give inadequate or incorrect information that could end up turning around and hurting your case in the long run.
Whether your insurance claim is due to fire damage, water damage, frozen pipes, a severe storm, vandalism, or a vehicle collision, you can rest assured our public loss adjusters will make sure you reach an objectively fair settlement.
By: CTPOA
Finding reliable tenants in Connecticut's competitive rental market can be tough. You wear your "landlord hat" proudly, ready to provide quality housing, but sorting through applications can feel like sifting through pebbles for buried treasure. Worry not, fellow property owners, for a reliable tenant screening process awaits!
Connecticut's Unique Screening Landscape:
Before diving in, remember Connecticut's fair housing laws. While you want great tenants, discriminating based on protected classes like race, religion, or disability is a big no-no. Stick to objective criteria relevant to tenancy.
Building Your Screening Arsenal:
1. Application fees: As of October 1, 2023, Connecticut caps these at $50. Be upfront about non-refundable fees and what's included (e.g., credit checks).
2. Credit Checks: Assess financial responsibility. TenantTracks offers comprehensive credit reports that go beyond just scores, giving you a deeper understanding of payment history, debt-toincome ratio, and potential red flags.
3. Rental History Verifications: Confirm past tenancy details, rent payment records, and any eviction history. TenantTracks receives verifications directly from landlords and court houses, ensuring accuracy and avoiding self-reported misinformation.
4. Background Checks: Check for criminal records, especially those related to property damage, violence, or drug use. TenantTracks' customized search options let you tailor the check to your specific concerns.
5. Income Verification: Verify income and employment to ensure tenants can afford rent. Paystubs, W-2s, and bank statements
6. References: Contact previous landlords and employers for personal insights into the applicant's behavior and responsibilities.
Go beyond the standard checks and consider:
• Interviewing Applicants: Get a feel for their personality, communication skills, and overall compatibility with your property and existing tenants.
• Following Up: If something seems off, like inconsistent information or missing documents, don't hesitate to ask for clarification.
TenantTracks: Your Screening Sidekick:
Why go it alone? TenantTracks streamlines and strengthens your screening process.
Imagine:
• One-stop platform: Access credit checks, rental verifications, background checks, income verifications, and more –all in one convenient location.
• Faster turnarounds: Get reports quickly, so you can make informed decisions and fill vacancies sooner.
• Reduced risk: TenantTracks' rigorous process and accurate reporting help you identify potentially high-risk applicants early on.
• Compliance support: Stay on top of Connecticut's fair housing laws with TenantTracks' resources and guidance.
By diligently screening applicants and using tools like TenantTracks, you can confidently choose responsible tenants who will respect your property and contribute to a harmonious rental community. Remember, fair, thorough, and efficient screening builds a solid foundation for successful landlordtenant relationships, allowing you to focus on what you do best – providing quality housing in the Constitution State.
Start streamlining your Connecticut tenant screening today and let TenantTracks be your reliable partner in finding the perfect fit!
Next Meeting: Sept. 16th
Time: 5:45 PM - 9:00 PM
Where: Sheraton Hartford
100 Capital Blvd.
Rocky Hill, CT 06067
Contact: (860) 265-4414
About: Become the Problem-Solving Investor: Unlock Real Estate Deals Without Banks.
We provide comprehensive education on mastering Subject To Transactions, including deal structuring and negotiation techniques. Ready to move beyond the chaos and explore a smarter, more effective way to achieve your real estate goals? Let’s dive into this transformative strategy together. Register here!
Next Meeting: Sept. 17th
Time: 6:30 PM - 8:30 PM
Where: CTREIA
415 Silas Dean, Suite 304A
Wethersfield, CT 06109
Contact: (860) 265-4414
About: Opportunity is everywhere across the real estate market, here in CT. Stop dreaming and ACT! Attend this CTREIA Workshop to begin your journey. The best time to invest in real estate was 10 years ago. The next best time is RIGHT NOW.
Register here!
Next Meeting: Sept. 17th
Time: 6:00 PM - 8:00
Where: Omni New Haven
155 Temple Street
New Haven, CT 06510
Contact: (800) 369-6153
About: Come join us event focused on defending property owner rights. Whether you're a homeowner, landlord, real estate investor, this event is for you! Learn about the latest laws and regulations affecting property ownership, and discover strategies to protect your rights. Network with fellow property owners and experts in the field.
Register here!
Defense
17th
PM Haven 06510 6153 for an defending or this Learn and and Network owners field.
Next Meeting: Sept. 19th
Time: 6:00 PM
Where: The Castle, Black Rock
3171 Fairfield Ave
Bridgeport, CT 06605
Contact: (800) 369-6153
About: Meet the Senate Candidate.
More info soon on our website!
Next Meeting: Sept. 22nd
Time: 7:00 PM - 11:00 PM
Where: Serenity Woods
150 Gilette Road
New Hartford, CT 06057
Contact: (860) 265-4414
About: Game starts at 7 PM! CTREIA Providing pizza. BYOB! Don’t miss out.
Member only event that is limited to the first 50 people. Register here!
Next Meeting: Sept. 24th
Time: 6:30 PM - 8:30 PM
Where: Pinstripes
100 N Water, Suite 3300
Norwalk, CT 06854
Contact: (203) 450-9190
About: Leave our event with a full e-mail list of participants.
We invite you to come, mingle and make deals!
We call for investors, buy and hold, money lenders, insurance, wholesalers, rehabbers, house hackers, flippers etc.
Register here!
Next Meeting: Sept. 25th
Time: 6:00 PM
Where: Tiano’s Smokehouse 1388 E Main Street
Meriden, CT 06450
Contact: (800) 369-6153
About: What’s a PAC and how can it help me?
More info soon on our website!
Next Meeting: Sept.
Time: 1:00 PM - 2:00
Where: Zoom
Contact: (800) 369-
About: Save tens of thousands of dollars renovations. The state pay to remediate lead the interior and exterior your personal or investment properties.
No income restrictions. home-type restrictions. ownership restrictions.
Minimal tenant information gathered. Free tenant temporary housing. Register here!
Venoal M. Fountain, Jr., Partner at Hirsch, Levy & Fountain, LLC
Pro Property Management
The Law Office of Yona Gregory
Ranciato Public Adjusters Group, LLC
TenantTracks
Tammy Enquist Canfield: Comparion Insurance Agency
ServiceMaster Restore by Recovery Solution
Phone: (203) 336-3144
Website: Click here!
Attorney / Evictions (Professional Services)
Eversource Energy
Phone: (203) 909-6333
Website: Click here! Property Management Services (Professional Services)
Phone: (860) 443-9662
Website: Click here!
Attorney / Evictions (Professional Services)
Phone: (888) 298-9014
Website: Click here! Public Adjuster (Professional Services)
Phone: (888) 610-4710
Website: Click here!
Tenant Screening (Professional Services)
Phone: (203) 695-3893
Website: Click here! Insurance (Professional Services)
Phone: (860) 735-4704
Website: Click here! Restoration (Maintenance & Tradesmen)
Phone: (800) 592-2000
Website: Click here!
Energy Efficiency Provider (Suppliers & Wholesalers)
The Guarantors
Phone: (720) 706-8902
Website: Click here! Rental Insurance (Professional Services)
Premier Real Estate Investment Group
Phone: (860) 335-0681 Real Estate Multi-Family (Professional Services)
Joseph V Scorese: Nationwide Direct Private Lender
Ironclad Property Management
Pet Screening
Dana M Guiliano
Phone: (215) 290-5108
Website: Click here! Mortgages & Loans (Professional Services)
Phone: (860) 956-6825
Website: Click here! Property Management Services (Professional Services)
Website: Click here! Tenant Screening (Professional Services)
Phone: (203) 419-5857 Attorney / Evictions (Professional Services)
Landlord Collection Agency
Junk Bear
Reckmeyer & Reckmeyer, Law
Dawn Cabral, Broker/ Owner, GRI, SRES at West View Properties LLC
Phone: (800) 369-6153
Website: Click here! Collection Agency (Professional Services)
Phone: (860) 378-2801
Website: Click here! Rubbish & Hauling (Maintenance & Tradesmen)
Phone: (860) 333-5677
Website: Click here! Attorney / Evictions (Professional Services)
Phone: (203) 228-7564
Website: Click here! Real Estate Residential (Professional Services)
Jeff
Zappone, Loan Officer at CrossCountry Mortgage
Circa Rent Collection
Phone: (203) 592-3602
Website: Click here! Mortgages & Loans (Professional Services)
Website: Click here! Rent Collection (Professional Services)
Let the Connecticut Property Owners Alliance help promote your business to the Real Estate and Property Owner community through our Vendor Affiliate Member Program!
Your company will be listed in our priority vendor database for all CTPOA members. Our events will allow you to display your promotional materials on our vendor tables, interaction with prospective customers and grow your presence on social media. CTPOA makes it easy for you to gain more customers without spending valuable time searching for them.
To sign up to be a CTPOA Vendor, click here!
https://ctpoa.com/
Follow CTPOA: https://www.facebook.com/CTPOA/
The Connecticut Property Owners Alliance is composed of experienced property managers, realtors and landlords working together to improve the business conditions for rental property owners. The Alliance saves its members money on essential real estate services, reviews and testifies on pending legislation & law changes and offers its members workshops and meetings on topics that impact landlords.
The Alliance strives to ensure your success in real estate by:
• Saving you money on essential real estate services
• Informing you of law changes impacting your business
• Providing workshops and meetings to help you become a better educated and prosperous rental property owner.