This Months Real Estate Insider Newsletter
Each month, we publish a series of articles of interest to homeowners — money-saving tips, household safety checklists, home improvement advice, real estate insider secrets, etc. Whether you currently are in the market for a new home, or not, we hope that this information is of value to you. Please feel free to pass these articles on to your family and friends.
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Many homeowners wait until their water heater fails before shopping for a replacement.
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| Selecting a New Water Heater
Many homeowners wait until their water heater fails before shopping for a replacement. Because they are in a hurry to regain their hot water supply, they are often unable to take the time to shop for the most energy-efficient unit for their specific needs. This is unfortunate, because the cost of purchasing and operating a water heater can vary greatly, depending on the type, brand, and model selected and on the quality of the installation.
To avoid this scenario, you might want to do some research now–before you are faced with an emergency purchase. Familiarize yourself today with the options that will allow you to make an informed decision when the need to buy a new water heater arises. Types of Water Heaters Available Within the last few years, a variety of water heaters have become available to consumers. The following types of water heaters are now on the market: conventional storage, demand, heat pump, tankless coil, indirect, and solar. It is also possible to purchase water heaters that can be connected to your home’s space heating system. Storage Water Heaters A variety of fuel options are available for conventional storage water heaters–electricity, natural gas, oil, and propane. They range in size from 20 to 80 gallons (75.7 to 302.8 litres). A storage heater operates by releasing hot water from the top of the tank when the hot water tap is turned on. To replace that hot water, cold water enters the bottom of the tank, ensuring that the tank is always full. Because the water is constantly heated in the tank, energy can be wasted even when no faucet is on. This is called standby heat loss. Newer, more energy-efficient storage models can significantly reduce the amount of standby heat loss, making them much less expensive to operate. Demand Water Heaters It is possible to completely eliminate standby heat losses from the tank and reduce energy consumption 20% to 30% with demand (or instantaneous) water heaters, which do not have storage tanks. Cold water travels through a pipe into the unit, and either a gas burner or an electric element heats the water only when needed. With these systems, you never run out of hot water. But there is one potential drawback with demand water heaters–limited flow rate. Typically, demand heaters provide hot water at a rate of 2 to 4 gallons (7.6 to 15.2 litres) per minute. This flow rate might suffice if your household does not use hot water at more than one location at the same time (e.g., showering and doing laundry simultaneously). To meet hot water demand when multiple faucets are being used, demand heaters can be installed in parallel sequence. Although gas fired demand heaters tend to have higher flow rates than electric ones, they can waste energy even when no water is being heated if their pilot lights stay on. However, the amount of energy consumed by a pilot light is quite small. Heat Pump Water Heaters Heat pump water heaters use electricity to move heat from one place to another instead of generating heat directly. To heat water for homes, heat pump water heaters work like refrigerators in reverse. Heat pump water heaters can be purchased as integral units with builtin water storage tanks or as add ons that can be retrofitted to an existing water heater tank. These systems have a high initial cost. They also require installation in locations that remain in the 40° to 90°F (4.4° to 32.2°C) range year round and contain at least 1000 cubic feet (28.3 cubic meters) of air space around the water heaters. To operate most efficiently, they should be placed in areas having excess heat, such as furnace rooms. They will not work well in a cold space. Tankless Coil and Indirect Water Heaters A home’s space heating system can also be used to heat water. Two types of water heaters that use this system are tankless coil and indirect. No separate storage tank is needed in the tankless coil water heater because water is heated directly inside the boiler in a hydronic (i.e., hot water) heating system. The water flows through a heat exchanger in the boiler whenever a hot water faucet is turned on. During colder months, the tankless coil works well because the heating system is used regularly. However, the system is less efficient during warmer months and in warmer climates when the boiler is used less frequently. A separate storage tank is required with an indirect water heater. Like the tankless coil, the indirect water heater circulates water through a heat exchanger in the boiler. But this heated water then flows to an insulated storage tank. Because the boiler does not need to operate frequently, this system is more efficient than the tankless coil. In fact, when an indirect water heater is used with a highly efficient boiler, the combination may provide one of the least expensive methods of water heating. Solar Water Heaters Through specially designed systems, energy from the sun can be used to heat water for your home. Depending on climate and water use, a properly designed, installed, and maintained solar water heater can meet from half to nearly all of a home’s hot water demand. Two features, a collector and a storage tank, characterize most solar water heaters. Beyond these common features, solar water heating systems can vary significantly in design. The various system designs can be classified as passive or active and as direct (also called open loop) or indirect (also called closed loop). Passive systems operate without pumps and controls and can be more reliable, more durable, easier to maintain, longer lasting, and less expensive to operate than active systems. Active solar water heaters incorporate pumps and controls to move heat transfer fluids from the collectors to the storage tanks. Both active and passive solar water heating systems often require “conventional” water heaters as backups, or the solar systems function as pre-heaters for the conventional units. A direct solar water heating system circulates household water through collectors and is not appropriate in climates in which freezing temperatures occur. An indirect system should not experience problems with freezing because the fluid in the collectors is usually a form of antifreeze. If you are considering purchasing a solar water-heating system, you may want to compare products from different manufacturers. Just choosing a solar water heater with good ratings is not enough, though. Proper design, sizing, installation, and maintenance are also critical to ensure efficient system performance. Although the purchase and installation prices of solar water heaters are usually higher than those of conventional types, operating costs are much lower. Criteria for Selection As with any purchase, balance the pros and cons of the different water heaters in light of your particular needs. There are numerous factors to consider when choosing a new water heater. Some other considerations are capacity, efficiency, and cost. Determining Capacity Although some consumers base their purchase on the size of the storage tank, the peak hour demand capacity, referred to as the first-hour rating (FHR), is actually the more important figure. The FHR is a measure of how much hot water the heater will deliver during a busy hour. Therefore, before you shop, estimate your households peak hour demand and look for a unit with an FHR in that range. Gas water heaters have higher FHRs than electric water heaters of the same storage capacity. Therefore, it may be possible to meet your water-heating needs with a gas unit that has a smaller storage tank than an electric unit with the same FHR. More efficient gas water heaters use various non-conventional arrangements for combustion air intake and exhaust. These features, however, can increase installation costs. Rating Efficiency Once you have decided what type of water heater best suits your needs, determine which water heater in that category is the most fuel efficient. The best indicator of a heater’s efficiency is its Energy Factor (EF), which is based on recovery efficiency (i.e., how efficiently the heat from the energy source is transferred to the water), standby losses (i.e., the percentage of heat lost per hour from the stored water compared to the heat content of the water), and cycling losses. The higher the EF, the more efficient the water heater. Electric resistance water heaters have an EF between 0.7 and 0.95; gas heaters have an EF between 0.5 and 0.6, with some high-efficiency models around 0.8; oil heaters range from 0.7 to 0.85; and heat pump water heaters range from 1.5 to 2.0. Product literature from manufacturers usually gives the appliances EF rating. If it does not, you can obtain it by contacting an appliance manufacturer association. Some other energy efficiency features to look for are tanks with at least 1.5 inches (3.8 centimeters) of foam insulation and energy efficiency ratings. Comparing Costs Another factor uppermost in many consumers’ minds is cost, which encompasses purchase price and lifetime maintenance and operation expenses. When choosing among different models, it is wise to analyze the lifecycle cost–the total of all costs and benefits associated with a purchase during its estimated lifetime. Units with longer warranties usually have higher price tags, though. Often, the least expensive water heater to purchase is the most expensive to operate.
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| Don’t Pay Another Cent in Rent To Your Landlord
"If you’re like most renters, you feel trapped within the walls of a house or apartment that doesn’t feel like yours."
It’s a dream we all have – to own our own home and stop paying rent. But if you’re like most renters, you feel trapped within the walls of a house or apartment that doesn’t feel like yours. How could it when you’re not even permitted to bang in a nail or two without a hassle. You feel like you’re stuck in the renter’s rut with no way of rising up out of it and owning your own home. Don’t Feel Trapped AnymoreIt doesn’t matter how long you’ve been renting, or how insurmountable your financial situation may seem. The truth is, there are some little known facts that can help you get over the hump, and transfer your status from renter to homeowner. With this information, you will begin to see how you really can:
6 Little Known Facts That Can Help You Buy Your First Home The problem that most renters face isn’t your ability to meet a monthly payment. Goodness knows that you must meet this monthly obligation every 30 days already. The problem is accumulating enough capital to make a down payment on something more permanent. But saving for this lump sum doesn’t have to be as difficult as you might think. Consider the following 6 important points: 1. You can buy a home with much less down than you think There are some local or federal government programs (such as 1st time buyer programs) to help people get into the housing market. You can qualify as a first time buyer even if your spouse has owned a home before as long as your name was not registered. Ensure your real estate agent is informed and knowledgeable in this important area and can offer programs to help you with your options. 2. You may be able to get your lender to help you with your down payment and closing costs Even if you do not have enough cash for a downpayment, if you are debt-free, and own an asset free and clear (such as a car for example), your lending institution may be able to lend you the downpayment for your home by securing it against this asset. 3. You may be able to find a seller to help you buy and finance your home Some sellers may be willing to hold a second mortgage for you as a ‘seller take-back’. In this case, the seller becomes your lending institution. Instead of paying this seller a lump-sum full amount for his or her home, you would pay monthly mortgage installments. 4. You may be able to create a cash down payment without actually going into debt By borrowing money for certain investments to a specified level, you may be able to generate a significant tax refund for yourself that you can use as a downpayment. While the money borrowed for these investments is technically a loan, the monthly amount paid can be small, and the money invested in both home and investment will be yours in the end. 5. You can buy a home even if you have problems with your credit rating If you can come up with more than the minimum down-payment, or can secure the loan with other equity, many lending institutions will consider you for a mortgage. Alternatively, a seller take-back mortgage could also help you in this situation. 6. You can, and should, get pre-approved for a home loan before you go looking for a home Pre-approval is easy, and can give you complete peace-of-mind when shopping for your home. Mortgage experts can obtain written pre-approval for you at no cost and no obligation, and it can all be done quite easily over-the-phone. More than just a verbal approval from your lending institution, a written preapproval is as good as money in the bank. It entails a completed credit application, and a certificate which guarantees you a mortgage to the specified level when you find the home you’re looking for. Consider dealing only with a professional who specializes in mortgages. Enlisting their services can make the difference between obtaining a mortgage, and being stuck in the renter’s rut forever. Typically there is no cost or obligation to enquire. There are many important issues you should be aware of that affect you as a renter. Why on earth would you continue to lose thousands by throwing it away on rent when with your agent you could take a few minutes to discuss your specific needs so that you can stop renting and start owning. This conversation costs you nothing. And, of course, you shouldn’t have to feel obligated to buy a home at the time you review this. But by taking the time to explore your options, and learn about the ways you can afford to buy a home, think how prepared and relaxed you’ll be when you are ready to make this important step.
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| Surges Happen! How To Protect the Appliances In Your Home
The power you get from the wall outlet is known as "120 volts AC power." The power companies try to keep that voltage uniform. Lightning, short-circuits, poles knocked down by cars, or some other accident can make the voltage jump to hundreds, even thousands of volts. This is what engineers call a "surge." A surge will last only a few millionths of one second (the "blink of an eye" is thousands of times longer than the typical surge). It is enough to destroy or to upset your appliances. What can a surge do to your appliances? Your appliances are designed to run on the normal 120 volts AC supply, with some tolerance for more or less, but they can be damaged, or their controls can be upset by surges. The result is then frustration and repair bills, and even a fire in rare cases. Disturbances Normal – This is the voltage that we all take for granted, every second of the minute, every minute of the hour, every hour of the day, every day of the year. But occasionally, for a short time… The voltage falls below normal: a sag. Sags are unlikely to damage most appliances, but they can make a computer crash, confuse some digital clocks and cause VCRs to forget their settings. The reverse of a sag is called a swell: a short duration increase in the line voltage. This disturbance might upset sensitive appliances, and damage them if it is a very large or very long swell. Noise is a catch word sometimes used to describe very small and persistent disturbances. These do not have damaging effects but can be a nuisance. There is, of course, the ultimate disturbance: an outage -no voltage at all! These disturbances are different from surges, but they should be mentioned because the remedies are generally different. As we will see later, some available devices can help overcome both sensitive appliances in your home. Your home contains all sorts, types or kinds of appliances. These not only include the traditional household helpers, but also the entertainment electronics, the family’s computer(s), smart telephones, control systems (thermostats, garage door, etc.), and all the new things to come. More and more, traditional large appliances in your home depend on very sophisticated electronics for their control. This can often make them sensitive to surges (as well as power interruptions). To help sort out which types of your appliances might be damaged or upset, you can describe them in general terms depending on their connections: power, telephone, cable, or antennas. Each of these connections offers a path for a surge to come in, something that might be overlooked when the cause of damage is explained as a "power surge." The first type includes electronics that are connected only to the power, such as a computer with no modem, a TV set with rabbit ears, a VCR not connected to cable TV, a table-top radio, a microwave oven, etc. Surge protection of these is not particularly difficult, and quite often it is already built-in by the manufacturer. The second type, for which more protection might be needed, includes electronics that are powered, of course, from your power receptacles but also connected to an external communications system: telephone, cable TV, satellite receiver. A slightly different but similar situation, which also needs attention, is that of appliances connected to a household control system such as garage door opener, intrusion or fire alarm, automatic sprinklers, or intercom. We will see later why the two kinds of appliances face different risks of being damaged and consequently might require different protection methods. Where do surges come from? There are two origins for the surges that occur in your power system: lightning surges and switching surges. Lightning surges, occur when a lightning bolt strikes between a cloud and objects on earth. The effect can be direct –injection of the lightning current into the object, or indirect –inducing a voltage into electrical circuits. We will look at ways of protecting your appliances against lightning surges that come by way of the wires -power, telephone, cable, etc. Protection of the house against the direct effects of lightning is done by properly grounded lightning rods. Note also that lightning rods are intended to protect the structure of the house and avoid fires. They do not prevent surges from happening in the wiring. Direct lightning effects are limited to the object being struck and its surroundings, so that the occurrence is considered rare but it is nearly always deadly for persons or for trees. Well-protected electrical systems can survive a direct strike, perhaps with some momentary disturbances from which they recover (blinking lights and computers restarting during a lightning storm). The key word, of course, is "well-protected" and this information will help ensure your home has a well- protected electrical system. Indirect lightning effects are less dramatic than from a direct strike, but they reach further out, either by radiating around the strike, or by propagating along power lines, telephone system and cable TV. From the point of view of the home dweller, unwanted opening of the garage door, or a surge coming from the power company during a lightning storm, would be seen as indirect effects. Switching surges occur when electrical loads are turned on or off within your home, as well as by the normal operations of the power company. An analogy often given is the "water hammer" that can occur in your piping if a faucet is turned off too quickly: the electric current flowing in the wires tries to flow for a short time after the switch has been opened, producing a surge in the wiring, just like the surge of pressure in the piping. How often, how far, how severe? So, surges can and do happen! These questions -how often do surges occur, how far do they travel before hitting your appliances, how severe are they – must be answered, as well as possible, so that you can proceed to the next step of taking calculated risks or making a reasonable investment by purchasing some additional protection. There are several ways of getting surge protection, from the simple purchase of a plug-in device from an electronic store, to the installation of protective devices for the whole house, to be done by an electrician or the power company. How often? You are probably best placed to answer that question if you have lived in your neighborhood for several years. Lightning is random but can strike more than one time at the same place. There are now sophisticated means to record the occurrence of individual lightning strikes; electric utilities and businesses seek the data to make decisions on the risks and needs for investing in protection schemes. The reason for mentioning "several years in your neighborhood" is that the frequency of lightning strikes varies over the years and the section of the country where you live. How far, how severe? The answers to these two questions are linked: a nearby lightning strike has more severe consequences than an equal strike occurring farther away. There is also a wide range in the severity of the strike itself, with the very severe or very mild being rare, the majority being in mid-range (a current of about 20,000 amperes for a short time) -but still much shorter than the blink of an eye. Calculated risk or insurance? The trade off: A large stack of dollar bills and some change to replace your unprotected computer, if and when a lightning or some other surge destroyed it … … or use a small number of bills to purchase a "surge protector" for peace of mind and effective protection. If you look at it from that point of view, the choice is probably easy and, most likely, you will be looking for one of those "surge protectors" -or some device with a similar name to do the same job, as explained next. What’s in a name? When you walk in the computer store or electronic supply store, you might ask for something to protect your appliances against surges, but what to call it ? The devices that can protect against surges are called "surge-protective devices" by engineers, but that sounds too much like jargon to some people. One name that seems to stick is "surge suppressor" with a variety of trademark names. The Underwriter’s Laboratories chose to call them "Transient Voltage Surge Suppressor" and you might find that name or the TVSS acronym next to the listing on the product. Always make sure that the product has been tested by a product safety testing organization, such as UL, ETL, or CSA, as indicated by their labels. You cannot really suppress a surge altogether, nor "arrest" it (although your utility uses devices they call "surge arresters" to protect their systems). What these protective devices do is neither suppress nor arrest a surge, but simply divert it to ground, where it can do no harm. Decisions, decisions Surge protectors come in many shapes and forms for many purposes, not just the plug-in kind that you find in the electronic stores. There are several ways to install them on your power supply: plug and play, do-it-yourself, hire a licensed electrician to do it, or even call on your power company to do it. Here is a run down on your options, and who does it:
Plug-in surge protectors This is the easiest solution, and there are a wide variety of brands available in the stores. These come in two forms: a box that plugs directly into a wall receptacle, or a strip with a power cord and multiple outlets. Depending on the appliance, you will look for a simple AC power plug-in, or a more complex combined protector for AC power and telephone or cable. However, before you purchase the right protector for the job, you should think about some details. There is another decision to make, concerning how a surge protector will power your appliance if the protective element should fail under extreme cases of exposure to a large surge or large swell. Most surge protectors are provided internally with some kind of fuse that will disconnect in case of failure. However, this disconnect can operate in two different ways, depending on the design of the surge protector: some will completely cut off the output power, others will disconnect the failed element but maintain the power output. Quit and be protected or continue? For you, it is a matter of choice: would you want to maintain the output power to your appliance -but with no more surge protection? Or would you rather maintain protection for sure -by having the circuit of the protector cut off the power supply to your appliance, if the protective function were to fail? To make an intelligent decision, you must know which of the two possibilities are designed into the surge protector that you will be looking for. What are the lights telling you? To help the consumer know what is going on inside the surge protector, many manufacturers provide some form of indication, generally by one or more pilot lights on the device. Unfortunately, these indications are not standardized, and the meaning might be confusing, between one, two – even three or four lights -where it is not always clear what their color means. Read the instructions! More decisions … So far, we have looked mostly at the plug-in surge protectors because they are the easiest to install and they do not require the services of an electrician. The two other possible locations for surge protectors are the service panel (breaker panel) and the meter socket. Service-panel surge protectors Instead of using several plug in protectors -one for each sensitive appliance is sometimes recommended -you can install a protector at the service panel of the house (also called "service entrance" or "breaker box"). The idea is that with one device, all appliances in the house can be protected, perhaps with a few plug-in protectors next to the most sensitive appliances. There are two types of devices available: incorporated in the panel, or outside the panel. Some breaker panel manufacturers also offer a snap in surge protector, taking the space of two breakers (assuming that there are blank spaces available on the panel), and easily installed by the home owner or by an electrician. However, there are two limitations or conditions to that approach: The snap in protectors generally fit only in a breaker panel from the same manufacturer -possibly down to the model or vintage of the panel. To install the snap in protector, you must remove the front panel (do turn off the main breaker before you do that). Most cities have codes allowing the home owner to do it, under some conditions. Check with your local authorities to find out if they allow you to do that, or hire a licensed electrician to do the installation for you. There are other surge protectors packaged for wiring into the service panel, either within or next to the panel. That kind of installation is best left to a licensed electrician. At the meter socket There might be a possibility that the power company in your area offers, as an option, to install a surge protector with a special adapter, fitting it between the meter and its socket (the dark band in the bubble of the picture). But that type of device and installation is out of the question as a do-it-yourself project, and will require cooperation from the power company, if they do offer the program. Other types of outdoor surge protectors can be installed near the meter. That kind of installation must be done by a licensed electrician. Check list Before you decide which way you want to protect your appliances, there are other points to consider. Where do you live? This is an important question because the type of dwelling has some effect on how severe your surge problem might be. In a somewhat simplified way, consider three categories according to the arrangement of the utilities:
What appliances are you using? From the surge protection point of view, there are four kinds of appliances, with examples listed below by order of increasing sensitivity to surges, either because of their nature or because of their exposure:
Let’s then take a quick look at each of these and see which might need some form of surge protection. Motor-driven appliances and heating appliances For each of these two categories, there can be two or more kinds, depending on the type of control used.
Appliances with mechanical controls are generally insensitive to surges and can be expected to withstand the typical surges that occur in a residence. Extreme cases, such as a direct lightning strike to the building, or one to the utility, very close, might cause damage.
Appliances with electronic controls can be more susceptible to damage than those with mechanical controls. Less traumatic but annoying can be upset memory in programmable appliances, although progress is being made in providing more built in protection.
Another difference to be noted is that of appliances permanently connected, as opposed to those in intermittent use. The risk of a damaging surge happening at the time of intermittent use is much smaller than that of an appliance which is on all the time. What kind of appliances? Electronic appliances Power companies sometimes include as bill stuffers the suggestion to disconnect your appliances when a severe lightning storm is approaching. But that is no help if you are not in the house at that time. If, on the other hand, you are in the house, pulling out the power cord of an appliance that remains connected to a telephone line or cable TV might not be the best idea: you would lose the grounding of the appliance normally done by the power cord – possibly a safety problem should a surge come upon the telephone or cable TV.
This information should help you make the choices that fit your needs for surge protection. To make the right choice, it is useful to note that there are two types of electronic appliances. For each of these types, a different type of surge protector might be needed. These types include:
One-link connections Examples of one-link connection of powered electronic appliances include a TV set with "rabbit ears" antenna, a portable radio receiver, a computer with no modem connection or remote printer, a compact fluorescent lamp, etc. In the category of one-link connection we also find an old-fashioned telephone connected only to the telephone system.
Note that most of these have a two prong plug, which is their sole connection to the power system. For the TV set, a simple" AC plug in surge protector on the power cord would be sufficient. For just the Clamp, the cost of a surge protector " would be greater than the cost of simply replacing the lamp, if damaged by a surge -and therefore not be justified. Two-link connections This type of appliance is another matter. Typical of these would be a computer with a modem, a video system with cable or satellite link, a phone system directly powered from a receptacle (those with a large adapter plug and a thin cable with jack which goes to the appliance generally have sufficient internal isolation against surges).
The surge problem with this type of appliance is that a surge coming in from one of the two systems -power or communications -can damage the appliance, because of a difference in the voltage between the two systems when the surge occurs. This can happen even when there are surge protectors on each of the systems. Fortunately, you can find a special type of surge protector against the problem, as described next. Equalizing differences A simple solution to the problem of voltage differences for two-link appliances is to install a special surge protector that incorporates, in the same package, a combination of input/output connections for the two systems. Each link, power and communications, is fed through the protector which is then inserted between the wall receptacles and the input of the appliance to be protected. This type of surge protector is readily available in computer and electronics stores, and the electrical section of home building stores.
In addition to words on the package, it can be recognized by the presence of either a pair of telephone jacks or video coax connectors in addition to the power receptacles. Some models might have all three in the same package. Do note a few words of caution: (1) Read carefully the instructions or markings to find which is "in" and which is "out" for the telephone wires. It is important to note, before you buy the product, whether your wall receptacles are wired for three-prong power cords. Some of these combined protectors might not work very well if plugged into a 2-blade receptacle, using a "cheater" plug. (On some, an indicating light will signal that.) Not just power-line surges Among other disturbances on the power lines, there was a brief mention of sags and outages. You are certainly and unhappily well- acquainted with outages that can occur for any number of reasons beyond the control of your utility. Sags -a brief decrease of the line voltage -can be more subtle and do occur more often than the complete outage. You will notice these when the lights dim momentarily, digital clocks or VCR controls blink, or your computer shuts down then reboots -possibly losing some data.
Industrial and commercial users, health-care facilities and other critical systems have for many years used a device called "uninterruptible power supply" (UPS) that provides continuous power across a sag, or for the first portion of an extended outage (an independent local power generator set can then kick in).
The aggravation of consumers caused by sags and outages has created a mass market for consumer applications, making them affordable when looked at as protection against these annoying (but not damaging) disturbances -and with built in surge protection as a bonus in many cases. These consumer type UPSs have a small battery which is sufficient to ride through any sag and short outages. Some models even include the software to make a computer shut down in an orderly sequence in case of a long outage. Surges in other systems So far, we have looked at surges on the power line alone, or on a combination of power and communications lines. Surges of a slightly different kind can also happen in parts of other electrical systems that do not directly involve a power line. Examples of these are: the antenna for a remote garage door opener, the sensor wiring for an intrusion alarm system, the video signal part of a satellite dish receiver. Surges in these systems are caused by nearby lightning strikes.
These other systems just mentioned have not been the subject of standards on surge protection as much as power and telephone systems. Furthermore, protective devices for these other systems are not as readily available to consumers. It is more difficult to offer well-defined guidance on surge protection for these systems. Applying preventive surge protection schemes to an existing system might be difficult when the sensitivity of such a system to surges is not known. When considering installation of a new system, it would be a good idea to ask specific questions on that subject before signing the contract. Protection for other systems Some codes or practices aimed at providing safety for persons, when they are correctly applied, can also provide some equipment protection.
For instance, the general practice of telephone companies is to provide a surge protector as part of their services at the point where the telephone line enters the house (in dense urban environments, the National Electrical Code allows an exception). This protector is known as the "Network Interface Device" (NID) and you will find it on the outside of your house.
Another example of code requirement is that of cable TV systems for which the National Electrical Code requires proper safety-oriented grounding practices. The problem, however, is that in some cases, the video equipment can still be damaged by voltage differences.
With the increasing popularity of small-dish satellite receivers, installation by the user as do-it-yourself has also increased. Typical instructions for installation show how to make the connections, for instance in the figure at right. What the figure does not show is the need to provide a combined protector for power, telephone, and cable.
A well pump installed outside the house presents a double challenge: protection the pump motor itself against surges, and protection the house wiring against surges that might enter the house by the line that powers the pump. The first protection is generally built-in for modern submersible pumps. The second protection should be provided by surge protector installed at the point where the power line to the pump leaves the house, using protectors similar to those applied at the power line service entrance.
Intruder alarm systems using wires between sensors and their central control unit can be disturbed -and damaged in severe cases -by lightning striking close to the house. The wires necessary for this type of installation extend to all points of the house and act as an antenna system that collects energy from the field generated by the lightning strike, and protection should be included in the design of the system, rather than added later by the owner. Wireless systems are less sensitive than wired systems.
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