editorial

homeownership

The Heat Pump Tax Credit Expired. Your Contractor's Quote May Still Assume It Didn't.

Section 25C and 25D expired December 31, 2025. Federal heat pump tax credits are gone in 2026, but state HEAR and HOMES rebates are not. Here is what changed and what to ask before you sign an HVAC quote.

homeownership

Your Insurer Quietly Moved Your Roof to Actual Cash Value. A Storm Claim Now Pays a Fraction.

There is a line in your homeowners policy that most people never read, and over the last two years insurers have been quietly rewriting it. It concerns how they pay for a damaged roof. If your policy now settles roof claims at actual cash value instead of replacement cost, a

homeownership

Your Home Is Insured for Less Than It Would Cost to Rebuild. Here's How to Find Out.

homeownership

What Your Home Inspection Report Was Actually Trying to Tell You

When you bought your house, the inspector handed you a 40-page PDF and explained that everything was "functional at the time of inspection." There was a section near the end about items to monitor, things to keep an eye on, systems approaching the end of their useful