A water right is:  A right to a beneficial use of a reasonable quantity of public water for beneficial purpose during a certain period of time occurring at a certain place. (Considered a “Use” right).

There are 2 different types of water rights, surface and groundwater rights.  If you have the right to divert water from a river, stream etc, you have surface water rights.  If you have the right to pump water from a well you have a groundwater right.  Many of the same things apply to both of them but there are also some important differences.

The term “beneficial use” us one of the most important terms in water rights.  It is both the measure and limit of a water right and the purpose for which that water is used.  Your actual water right is determined by how much water you and your predecessors have historically used.  If your historical use is less then what is stated on the water document your right is limited to the amount that has actually been used.

The Priority date is also an important term in valuing a water right.  A person who established a water right first has a senior priority and the right to divert all of their water before the person with the next junior right can take any of their water from the same source.

It is important to know within Grant County your water rights and how they were established. Make sure you find an experienced agent in Moses Lake who understands all the nuances that come with having water rights or your property could be all dried up.

Yes I’m moving my blog to www.lakesidechat.com

or you can find me at www.moseslakerealestateblog.com

Feel free to follow me on those sites.  With the web hosting comes a greater ability to customize my blog and I am looking forward to that so feel free to follow me there!!!

Also known as a Comprehensive Loss Underwriting Exchange is a claims history database that enables all insurance companies to access consumers claims information when they are underwriting an insurance policy.

Here is how it works….even if you as a homeowner have never had any claims or problems getting home insurance this will still affect you.  If you happen to be purchasing a house that has had claims made against the home you may be unable to get homeowners insurance.

Another flaw in the system is that the only one able to obtain a clue report on the house (besides the insurance agency) is the homeowner of the property.  Make sure when you are writing up a contract on a house that the insurance contingency paragraph is marked on the agreement.

If when a homeowner reviews the report and finds errors on that report they do have the ability to dispute the report at which point the owners insurance company will be contacted to try and determine if there is a valid claim or not.

Unfortunately these reports can also be used by insurance companies to determine what kind of risk you would be and can in turn affect if you get turned down for insurance.  Not only do the CLUE reports cover homeowners, there is also a database that shows strictly  automobile claims.  Claims will only stay on your report for 5 years however.

Be aware that any hint of water damage to a property, for example, is likely to trigger a negative mark on the property’s CLUE report. Well-intentioned consumers who call an insurer to merely inquire about coverage for water damage have been shocked to have their insurance cancelled.

Here are some of the worst case scenarios that have come up as taken from http://www.privacyrights.org/fs/fs26-CLUE.htm

A former 21st Century Insurance fraud investigator and 32-year-old homeowner and mother was forced to get substandard homeowner’s insurance at three times the normal price because the house she was purchasing was “blacklisted” on a national Comprehensive Loss Underwriting Exchange (CLUE) report.

A 79-year-old homeowner was turned down for a homeowner’s policy because she made a $393 claim on her purse that had been stolen in Montreal while she was visiting her daughter.

A 75-year-old homeowner was “blacklisted” after she made a telephone inquiry about her policy coverage with Allstate, with whom she had continuous homeowner’s coverage for 30 years.

The Chief of the Consumer Services Division, California Department of Insurance and Palm Springs homeowner was turned down when he attempted to get insurance for his new home. An inaccurate CLUE report showed five claims, two of which were for another property owned by the seller in a different city; two other “claims” were only for coverage inquiries and one claim was fully remedied and should not have had bearing on his eligibility.

Be aware that filing any type of claim with your insurance company may result in issues that you ought to not have to deal with.

If you are looking to Buy or Sell Real Estate in Grant County I would love to Help!  Call or text me at 509-760-7733

Follow Heather on Twitter @ hjadkinson

Become a fan on Facebook @ http://bit.ly/27KD73

Follow my Moses Lake Real Estate Blog @ http://hjadkinson.wordpress.com/

Search for homes @ www.propertiesinmoseslake.com

Moses Lake Real Estate Agent Heather Adkinson

Print this out for reference and you have everything you need!

If you are looking to Buy or Sell Real Estate in Grant County I would love to Help!  Call or text me at 509-760-7733

Follow Heather on Twitter @ hjadkinson

Become a fan on Facebook @ http://bit.ly/27KD73

Follow my Moses Lake Real Estate Blog @ http://hjadkinson.wordpress.com/

Search for homes at www.propertiesinmoseslake.com

Moses Lake Agent Heather Adkinson

MLS 29152187 Prime piece of waterfront located west facing on Moses Lake.  This vacant land is 1.97 acres in an established neighborhood that has CC&R’s but still allows you the flexibility to do what you want with your land

There is an easement that travels down the side of the property to allow the neighbors access to garage.  Full acerage is irrigitable and you can have horses if you would like to.

Waterfront has 100 ft of useable land.

This property is the lowest price waterfront in town by far and sellers would be willing to carry a contract.  Currently priced at $175,000                     

If you are looking for waterfront in Moses Lake, WA feel free to contact me for more information.

If you are looking to Buy or Sell Real Estate in Grant County I would love to Help!  Call or text me at 509-760-7733

Follow Heather on Twitter @ hjadkinson

Become a fan on Facebook @ http://bit.ly/27KD73

Follow my Moses Lake Real Estate Blog @ http://hjadkinson.wordpress.com/

Don’t forget about all the fun things to do with all the upcoming holidays here in town.

MAC Holiday Show

November 20, 2009 – December 26, 2009

Moses Lake

Description: This festive Holiday Sale features the latest in quality fine crafts and original artwork from artisans around the Northwest. You won’t want to miss out on this unique opportunity to discover those wonderful one-of-a-kind gifts for the Holiday Season.

Location: Moses Lake Museum & Art Center

228 West Third Ave.

Moses Lake, WA 98837

Admission: FREE

Other Information: Opening reception is on November 20, 6:00-9:30 p.m.

Pasted from <http://events.tourgrantcounty.com/event.asp?event_id=2857&site_id=GCESITE7150207&event_start_date=11/11/2009&event_end_date=

11/11/2010&category_id=&region_id=&keywords=>

Moses Lake Museum and Art Center 51st Anniversary & Holiday Show

November 20, 2009

Moses Lake

Description:

-Live Entertainment

-Holiday Food and Drinks

-Gallery Art Show

-Silent Auction

Location:

Moses Lake Museum & Art Center

228.w 3rd Avenue

Admission:

Free

Pasted from <http://events.tourgrantcounty.com/event.asp?event_id=2875&site_id=GCESITE7150207&event_start_date=11/11/2009&event_end_date=

11/11/2010&category_id=&region_id=&keywords=>

Both of these activities are completely free so come enjoy a fun evening downtown meeting your neighbors and do it at no cost to you!

If you are looking to Buy or Sell Real Estate in Grant County I would love to Help!  Call or text me at 509-760-7733

Follow Heather on Twitter @ hjadkinson

Become a fan on Facebook @ http://bit.ly/27KD73

Follow my Moses Lake Real Estate Blog @ http://hjadkinson.wordpress.com/

October StatisticsMarket Stats 08

Moses Lake Stats 08

If you are looking to Buy or Sell Real Estate in Grant County I would love to Help!  Call or text me at 509-760-7733

Follow Heather on Twitter @ hjadkinson

Become a fan on Facebook @ http://bit.ly/27KD73

Follow my Moses Lake Real Estate Blog @ http://hjadkinson.wordpress.com/

How funny and accurate is this, makes you think about who is really managing this crisis.

If you are looking to Buy or Sell Real Estate in Grant County I would love to Help!  Call or text me at 509-760-7733

Follow Heather on Twitter @ hjadkinson

Become a fan on Facebook @ http://bit.ly/27KD73

Follow my Moses Lake Real Estate Blog @ http://hjadkinson.wordpress.com/

I know to us in the Real Estate Industry we don’t think twice about throwing
up those letters after our names.  I think we often fail to recognize that
others might not know what those certifications stand for and the training that
we had to take to get those silly letters after our name

I am going to try and give you a brief rundown of those letters and how it
might benefit you as either a Seller or Buyer

ABR- Accredited Buyers Representative:  Education for this includes completion of a 2 day
course, an ABR elective course, and experience representing only a Buyer in a
transaction.

ALC-Accredited Land Consultant: 6 completed courses
of required curriculum, 3 years experience in the sale and lease of vacant
land.  volume requirements of at least 10 million in land sales or 25 separate
land transactions.  Must pass an Exam and also be reviewed by the accreditation
panel.

CCIM-Certified Commercial Investment Member:  these
members are educated in commercial leasing, sale and valuation.  Four classes
are required for this designation, each class lasts 5 days for 8 hours.  You
must also complete a 3 credit elective course.  After this you must attend 3
different Networking events and then submit a portfolio of experience. Finally
you must pass a exam.

CIPS-Certified International Property Specialists:
These members are educated in International Sales.  This requires a multitude of
training on different countries and requirements

CPM-Certified Property Manager:  Education in Property Management

CRB-Certified Real Estate Brokerage Manager: These Designees are better able to streamline operations, intergrate new technology and apply new trends and business strategies.  To earn this designation you must apply for admission, hold and maintain membership as a Realtor, have one year management experience, earn 12 credits within the following 4 years after application.

CRS-Council of Residential Specialist: This designation is awarded to experienced Realtors who complete adbvanced training in listing and selling and meet rigorous production requirements.  The requirements for this vary depending on your various sales experience.

CRE-Counselor of Real Estate:  This is a membership that is by invitation only.  These professionals provide objective advice on real property and land-related matters.

GREEN-NAR’s Green Designation:  This designation means that your agent would have the highest level training possible in “green” features within homes.  This includes how to market and understand and target that market that is seeking green properties.  This requires a 12 hour Core Course and a 6 hr Elective Course in residential, commercial, or property management.

To Be Continued….