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A do-it-yourself approach for home improvement projects may reduce your initial costs — but for certain jobs, the risks far outweigh any potential savings. If any of these projects are on your to-do list, call in the pros unless you’ve got plenty of related experience.1. Roof replacementRoofing is extremely hard and dangerous work. Any upfront savings you might get with a DIY roof replacement could easily be eclipsed by the costs of making expensive mistakes or causing dangerous accidents. Aside from having the skills and tools needed to do a decent job, you’ll also need to climb ladders, lift heavy materials and navigate a steeply pitched surface high above the ground. Risks include:Severe injury or death: Roofers face among the highest risks of work-related injuries and fatalities of any profession, according to the Bureau of Labor Statistics — and that’s for trained professionals. In addition to possible slips and falls from significant heights, there’s also risk of burns from hot bitumen (a petroleum-based roofing material) and electric shock from accidentally touching power lines.Warranty issues: Manufacturer warranties for roofing materials may cover workmanship for a limited time if the materials are installed by qualified contractors, but they generally don’t cover DIY installation.Costly damage: Improper material choice or installation may damage the roof — and if water leaks in, your home’s ceilings, walls, flooring, furnishings and wiring will suffer too.Cost of hiring a proRoofers charge about 0 to 0 per roofing square in addition to the cost of materials, which typically brings the total price of installing a new roof over your existing one to about ,400 to ,900, according to the home services company HomeAdvisor. Removing the old roof or repairing damage can add to that cost.In some cases, homeowners insurance might cover some or all of these expenses. Opting for less-expensive materials can also lower the bill. And if you’re installing an energy-efficient roof that meets certain criteria, you might qualify for a tax credit.2. Mold removalEveryone’s cleaned up a bit of mold at some point, and even the U.S. Environmental Protection Agency gives the green light on DIY mold removal for areas under 10 square feet. But once mold infestation becomes widespread, it might become necessary to open up walls, lift up carpeting or take out fixtures to fully remove it and clean and dry the space thoroughly. A DIY approach, in this case, means risking:Mold exposure: Contact with mold may cause asthmatic reactions, sore throat, skin reactions, allergic reactions, eye and nasal irritation, cough, wheezing, shortness of breath and other lung issues. This is especially a concern if you don’t have access to the proper protective gear. During the COVID-19 pandemic, N95 respirator masks — which offer protection from exposure to mold and other particles — have been largely unavailable for public purchase.Harsh chemical exposure: Chemical cleaners commonly used to kill mold are also harmful to lungs, eyes, nasal passages, throats and skin.Making the problem worse: Improper removal or sealing may release mold spores into the air. If spores get into HVAC systems, mold will blow throughout the house. DIYers may also miss mold lurking in unexpected places like crawl spaces or flooring, which could lead to further damage.Incomplete cleanup: Not properly cleaning up after the job may leave traces of mold behind that will just grow back again.Cost of hiring a proProfessional mold remediation generally costs about ,500 to ,150, or to per square foot, according to HomeGuide, a home services referral website.To make sure that money is well-spent, go with an experienced, well-reviewed mold remediation specialist who can do a thorough job.3. Toilet replacementTo install a new toilet, you’ll have to shut off the water; disconnect, drain and remove the old toilet; and seal and connect the new one. That’s a manageable task for someone with basic plumbing knowledge. But if you’re a DIY newbie, it’s trickier. Risks include:Injury: A toilet can weigh about 100 pounds and is awkward to handle. Homeowners may become injured lifting or carrying the toilet.Fumes: Sewage gasses are odorous, unhealthy and potentially flammable. Failing to stuff a rag in the exposed drain pipe after the old toilet is removed may expose you to dangerous fumes — especially in poorly ventilated spaces. (And forgetting to remove the rag before seating the new toilet will cause a very disturbing plumbing issue.)Toilet damage: Improper installation, overtightening connections or simply dropping the toilet may cause serious damage.Leaks and mold: If the base isn’t sealed properly, water can leak into the floor, damaging and weakening the area while creating just the right conditions for mold and mildew growth.Cost of hiring a proThe average labor cost for basic toilet installation runs between and 0, according to the services marketplace website Thumbtack, and that doesn’t include the price of the toilet. Underlying problems your plumber finds (such as leaky pipes, a cracked flange or leaky valves) can increase costs; disposing of your old toilet also runs about to 0, the site notes.If you’re installing a water-saving toilet, you might qualify for a rebate from your state, which could defray some of these costs.4. Window replacementReplacing drafty old windows can reduce your utility bills — but only if it’s done correctly. Installing a window is a meticulous process, and any mistakes may leave your home unexpectedly vulnerable to the elements. Other pitfalls include:Injury: Windows are heavy and fragile, bringing risk of injuries from broken glass and lifting. Falls from ladders are also a concern, along with harming passersby if a window falls out to the street.Poor energy efficiency: Improper fit or sealing can result in drafts, air leaks and higher energy bills.Water damage: A poor seal could allow water leaks that damage your home’s wood, drywall and even wiring.Home damage: You could accidentally hit a plumbing or electrical line.Warranty issues: Installing your own windows improperly may void all or part of the manufacturer’s warranty.Cost of hiring a proProfessional window installation usually runs between 5 to 0 per window, but can be much more expensive for high-end windows, according to Angie’s List, a website that provides referrals for home services pros. If the frame needs to be replaced, that’s extra.Choosing less-expensive materials reduces upfront costs. And if you’re switching to more energy-efficient windows that meet certain specifications and are professionally installed, you might qualify for rebates in some states.More From NerdWalletHome Inventory Tightened in Q3, and First-Time Buyers Felt the SqueezeMortgage Outlook: Rates Stay Low as December Deadlines LoomThe Property Line: 8 Housing and Mortgage Trends for 2021Roberta Pescow is a writer at NerdWallet. Email: USexpansion@nerdwallet.com. 7040

A church choir in Madison, Tennessee is singing hymns to parishioners who are unable to safely leave the house during the pandemic.The choir at City Road Chapel United Methodist Church is visiting homes on Wednesday nights."Whether there are three of us or five or 10 of us, it is just a wonderful thing to be able to do," said Mary Lou Markham, a member of the choir.Markham said the group began singing together in the church parking lot a few weeks before this started."I said 'can't we at least meet in the parking lot and sing to the Lord?' So for two weeks, we sang in the church parking lot, a long way away..." she said.When a member of the choir broke his arms, the group visited and preformed for him outside his rehab facility. From there, they began visiting other parishioners who were cooped up inside."It has been unbelievable," said Brian Hanson. "The response has been tremendous and we have got as much of the blessing out of it as the people we've sung for."Brian Hanson is the director of music at City Road Chapel."I think music connects with the soul, mind, and spirit it's just something that's in people," Hanson said.On a recent Wednesday, the group sang for Evelyn McDowell at her home. The 92-year-old has been a member of the church since 1950."I've missed church and this was just a wonderful blessing," said McDowell."I couldn't go out much. It's just wonderful for them to come from church to bless me. They're all talented and did such a great job."This story was originally reported by Hannah McDonald at WTVF. 1551

A hack was detected earlier this month in a government computer system that works alongside HealthCare.gov, exposing the personal information of approximately 75,000 people, according to the agency in charge of the portal.In a statement to CNN, the Centers for Medicare and Medicaid Services (CMS) said the system that was exposed through the hack was the Direct Enrollment pathway, which allows agents and brokers to assist consumers with applications for coverage in the Federally Facilitated Exchanges, or FFE. The statement detailed that the agent and broker accounts that were associated with the hack were "deactivated, and -- out of an abundance of caution -- the Direct Enrollment pathway for agents and brokers was disabled.""We are working to get this functionality that exchanges agents and brokers use back up within seven days," a representative for CMS told CNN. When asked if the source of the hacking had been identified and if the system was in a good place ahead of the sign-up season beginning in November for coverage under the Affordable Care Act, the representative could not answer due to it being an active federal law enforcement investigation. 1177

A man has died in Alabama as a result of Hurricane Sally, according to several media outlets.The Weather Channel reported the unidentified man died in Orange Beach, Alabama.Orange Beach Mayor Tony Kennon confirmed to WVTM that a person is missing.The National Hurricane Center reported that the slow-moving storm made landfall near Gulf Shores, Alabama, on Wednesday at 5:45 a.m. ET with maximum sustained wind speeds of 105 mph. 437

A Flint woman was accused of placing her infant children inside a suitcase and leaving them at the curb.On Wednesday, Flint Police responded to a residence in the 500 block of West Pierson Road to assist Child Protective Services.When officers were on scene, a 26-year-old woman placed items to the curb "as if it were trash" and fled from the residence at West Pierson Road on foot, according to a release from Flint police.Police say she was detained after a brief foot chase. Officers returned to the residence and found the woman's two sons, but two children were missing. After searching the area, officers located two 11-month-old twin girls inside a suitcase at the curbside. They were transported to the hospital where they were listed in good condition.The woman remains in custody. 804

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