The ba­sics

The Glengarry News - Glengarry Supplement - - News -

Mu­nic­i­pal­i­ties are re­spon­si­ble for en­forc­ing the Build­ing Code Act and Build­ing Code within their lo­cal ju­ris­dic­tions. Their re­spon­si­bil­i­ties in­clude: re­view­ing and is­su­ing build­ing per­mits, con­duct­ing in­spec­tions dur­ing con­struc­tion to make sure work is in com­pli­ance with the Build­ing Code and build­ing per­mits, set­ting fees for build­ing per­mits and en­forc­ing com­pli­ance through in­spec­tions and if nec­es­sary, is­su­ing or­ders (e.g., stop work or­ders and or­ders to com­ply). Mu­nic­i­pal­i­ties also have the au­thor­ity to pros­e­cute in­di­vid­u­als, in­clud­ing build­ing own­ers, if their or­ders are not fol­lowed. The prov­ince has as­signed en­force­ment re­spon­si­bil­i­ties un­der the Build­ing Code for small on-site sewage sys­tems to some boards of health and con­ser­va­tion au­thor­i­ties.

Un­der the Act, mu­nic­i­pal­i­ties also have the abil­ity to de­velop prop­erty stan­dards by-laws that ad­dress how build­ings and sur­round­ing prop­er­ties (e.g., land­scape) must be main­tained.

The prov­ince does not over­see the en­force­ment ac­tiv­i­ties of mu­nic­i­pal­i­ties.

The coun­cil of each mu­nic­i­pal­ity is re­quired to ap­point a chief build­ing of­fi­cial and as many qual­i­fied in­spec­tors as are needed to carry out their du­ties re­gard­ing en­force­ment. Build­ing Code

Your home is likely your big­gest in­vest­ment. You should plan for the re­spon­si­bil­i­ties of home­own­er­ship even be­fore you move.

Con­sider the fol­low­ing tips for new home­own­ers.

Make your mort­gage pay­ments on time. Late or missed pay­ments can lead to ex­tra charges and af­fect your credit rat­ing.

An­tic­i­pate the costs of op­er­at­ing a home.

Ex­tra ex­penses may in­clude re­pair and main­te­nance costs, snow re­moval and alarm mon­i­tor­ing. Live within your bud­get.

Check ev­ery few months to see if you’re spend­ing more than you earn. If you are, find new ways to save more or spend less. Save for emer­gen­cies. Set aside five per cent of your in­come as an emer­gency fund to be ready for un­ex­pected ex­penses. Pro­tect your home and fam­ily. Pre­pare an emer­gency evac­u­a­tion plan and check fire ex­tin­guish­ers, smoke alarms and car­bon monox­ide de­tec­tors reg­u­larly.

Fi­nanc­ing im­prove­ments

Talk to your lender or bro­ker if your new home needs re­pairs or ren­o­va­tions. There may be fi­nanc­ing op­tions that can be in­cluded with your mort­gage loan.

If you make en­ergy ef­fi­ciency im­prove­ments, you may qual­ify for a par­tial re­fund of your mort­gage loan in­sur­ance.

Your home

PRICE­LESS: When you are do­ing Spring clean­ing, en­sure your smoke and car­bon monox­ide de­tec­tors are work­ing. These in­ex­pen­sive de­vices can save your life.

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