What is a HomeXray^SM?
A HomeXray^SM is a scan of your home using a special infrared thermal imaging camera.  This infrared (IR) camera detects very small temperature variations in your home’s components, even in hidden areas such as behind the walls, above the ceiling and beneath the floors.  These very minor temperature differences often reveal ‘invisible’ problems which cannot be seen with the naked eye, and would not be found with just a traditional home inspection.  Some people refer to this technology as "seeing through walls" or "X-ray Vision".  While neither of these analogies are technically correct, in many cases a HomeXray^SM can help the Inspector "see" problems that would otherwise not be visible.

Why do I need a HomeXray^SM?
A HomeXray^SM takes your home inspection to the next level!  While a good home inspector can detect a wide variety of problems without "seeing inside the walls", a standard home inspection has limitations because it's a visual inspection.  A HomeXray^SM is an inexpensive, non-invasive and non-destructive method of finding hidden problems that would otherwise go undetected.  Often times, a HomeXray^SM can find a problem in its early stages before there are visible symptoms, making it easier and less expensive to repair.  Much like a medical x-ray can help a doctor to diagnose a problem inside your body without doing exploratory surgery, a HomeXray^SM is a quick and painless way to find certain types of problems that can be hidden within your home’s walls, floors and ceilings.  But even a HomeXray^SM has limitations, and it takes much more than a special IR camera to "see through walls".  Just like it takes a trained Radiologist to properly interpret your medical x-ray, it takes a trained Thermographer to properly interpret your HomeXray^SM.  Rest assured that when you order a HomeXray^SM from Homewerx, your Inspector is also a trained, experienced and Certified Thermographer.

The U.S. Dept. of Energy recommends having an infrared scan done before purchasing a home because even new houses can have defects in their thermal envelopes.

This HomeXray^SM of a ceiling reveals an area with no insulation.         
 

What types of problems can a HomeXray^SM reveal?
A HomeXray^SM can find several different types of hidden problems, including:

• Plumbing leaks, moisture intrusion and water damage
• Missing insulation and energy loss
• Heating, cooling and ventilation problems (HVAC), including ductwork leaks
• Roof leaks, structural issues and foundation cracks
• Faulty wiring, breakers and fuses 
• Pests such as termites, rats and mice

Is a HomeXray^SM part of a Home Inspection?
A HomeXray^SM is not included with your home inspection - it's an additional service.  You can order a HomeXray^SM by itself, or with a home inspection.  You may also choose to have a HomeXray^SM of your entire house, or we can do a HomeXray^SM of one specific area where you suspect a problem.  It's up to you!  Of course, you can save money when you order both a home inspection and a HomeXray^SM at the same time!

Do I get a report with my HomeXray^SM?
Yes!  The Inspector also prepares a comprehensive, typewritten report which explains the results of your HomeXray^SM and includes several color photos.  The report is EASY-TO-READ and understand and contains maintenance advice plus other helpful homeowner information.  Reports are usually emailed the next day, but can also be delivered by fax or regular mail.

How much does a HomeXray^SM cost?
The price of a HomeXray^SM depends on several factors:  the size of your home, whether you want a HomeXray^SM of the entire house or just a certain area, and whether you order your HomeXray^SM with a home inspection or by itself.  But for a limited time, when you order a home inspection from Homewerx, you can get a HomeXray^SM for an additional fee of:

Order your HomeXray^SM today!
 

(480) 503-2611
TOLL FREE:  1-888-THE-WERX

Because an ounce of inspection is worth a pound of repair!

*IMPORTANT NOTE:  $149 HomeXray^SM offer is good only on homes that are 3000 square feet or smaller, and requires the purchase of a Home Inspection at regular price.  The HomeXray^SM must be performed at the same time as the Home Inspection or additional trip charges may apply.  No other discounts or offers may be used in conjunction with this offer.  This price is offered for a limited time only and may end without notice.

If you have a leaky roof, you probably know about it after the last few weeks of rainstorms!  But rainy weather is a good opportunity to check more than just your roof.  For example, rainy/windy monsoon storms make it easy to tell how well your windows and doors seal up!  Rainy weather is also good time to check your lot for drainage problems.  You can easily see whether or not water is draining away from your house, and any place you notice significant water puddling may be an area where the grading needs attention.

You should also walk around the exterior of your property and look for any damage from the wind after a monsoon storm.  Pay special attention to areas where your landscaping might have been blown against your home. It would be a good idea to make sure all trees and shrubbery are trimmed away from your house before the monsoon season to prevent them from damaging the exterior of your home during windy weather.  You may notice pieces of shingles that have been torn from the rooftop and blown to the ground.  If you are extra motivated, you may want to get a ladder and look at your roof from the eave.  Be careful not to fall and don't walk on a tile roof unless you are a professional!

Your swimming pool also needs extra attention during the monsoon season.  Most pools and spas need more chemicals during the summer heat, and the windy monsoon season makes it almost impossible to keep the leaves and other debris out of the water!  Clean your pool, skimmers and filters more often, and pay closer attention to your water's chemical levels during the Arizona summer months.

These are just a few of the areas you should regularly inspect on your home.  Water damage is expensive and not much fun.  If ignored, it can even lead to mold and other problems.  Taking steps to keep your home properly maintained will be well worth the effort.

If you have any questions, or are interested in having an Annual Home Maintenance Inspection, call us today!

(480) 503-2611  Valleywide
TOLL FREE:  1-888-THE-WERX

Or Schedule Online!

Because an ounce of inspection is worth a pound of repair!

Even when you are not buying or selling a home, you can still benefit from a home inspection in a variety of ways:

• Warranty Inspections - for new homes, before the 1 or 2 year warranty expires
• Annual Home Maintenance Inspections - to find problems early, minimizing repair costs
• Home Energy Tune-uPs - for homeowners who want to save energy
• Termite Inspections - should be performed regularly in Arizona
• Roof Inspections - annually or if you suspect a problem
• Pool & Spa Inspections - annually or if you suspect a problem
• Sewer Inspections - using a video camera, usually to diagnose a problem
• Air Duct Inspections - using a video camera, usually to diagnose a problem
• Radon Testing - when buying or if you suspect a problem
• Lead-based Paint Testing - usually for homes built prior to 1978
• Mold Testing & Indoor Air Quality - when buying or if you suspect a problem
• Water Quality Testing - when buying or if you suspect a problem
• Special Inspections - if you just have a specific problem or concern
• Expert Witness Services - for legal issues with builders, contractors, insurance companies, warranty companies and other parties

We also inspect rental properties:

• Landlord and Investor Inspections - performed regularly while tenants are living in your property
• Renter Inspections - to help renters document existing damage and defects before moving into a rental property

We even do Commercial Inspections!

• Offices
• Retail space
• Apartment complexes
• Other commercial properties

So remember, home inspections are not just for buyers!  The longer you have owned your home or plan to own your home, the more important it is to have regular inspections in order to properly maintain your home and avoid costly repairs.

Call for an inspection today!

(480) 503-2611
TOLL FREE:  1-888-THE-WERX

Or Schedule Online!

Broken roof tiles can cause water infiltration and damage to the felt underlayment, and will eventually lead to leaks.  Therefore, homeowners should have a roof inspection annually, and any broken tiles detected should be replaced right away.  Broken roof tiles are commonly found on homes of all ages, even brand new homes.

Broken roof tiles are relatively inexpensive to replace if there are only a few.  However, you should always hire a professional both for the inspection and the repairs.  Walking on a tile roof can easily cause cracked tiles and is not recommended unless you are experienced.

Call for an inspection today!

(480) 503-2611
TOLL FREE:  1-888-THE-WERX

Or Schedule Online!

This is a picture of a license plate that is being used to extend the valley flashing off the roof.  Homeowners that perform improper and amateur repairs such as this one are just asking for trouble.  Roof flashings on a tile roof are the most vulnerable areas and are usually where leaks will develop.  Problems with roof flashings are commonly found in all types of houses, even in brand new homes.

Call for an inspection today!

(480) 503-2611
TOLL FREE:  1-888-THE-WERX

Or Schedule Online!

Broken truss members can often be easily repaired.  However, special engineering considerations are needed because trusses are structural components, commonly used in the roofing and flooring systems.  Damaged trusses should only be repaired by a professional.  Remember, trusses are sacred.

Broken trusses are commonly found in all types of homes, including brand new homes.  However, damaged trusses and other structural problems are not easy for the average homeowner to detect.  In fact, these problems are usually only revealed during a comprehensive home inspection.

Call for an inspection today!

(480) 503-2611
TOLL FREE:  1-888-THE-WERX

Or Schedule Online!

When this large hole in the garage ceiling was made, several trusses that hold up the roof were cut through, possibly compromising its structural integrity.

Bricks are probably NOT the manufacturer’s recommended material for evaporative cooler stand legs!

The roof is arguably one of the most important components of any structure.  Proper installation and maintenance will keep out the sun, rain and other elements.  If neglected, it will affect every other component of your house and repairs can cost thousands of dollars.  With that in mind, let’s take a look at a few things that will help keep your roof healthy and happy for years to come!

To begin with, there are several types of roofs and each has its pros and cons.  The most common types here in the valley are tile, asphalt shingle and built up or flat roofs.  You will also see wooden shingle or shake roofs in some custom neighborhoods.  These types of roofs are all made from different materials and have different life expectancies.  All roofs, however, need to be kept free of debris such as leaves and dirt.  Keeping your roof clean will not only make your house look better, it will allow the roofing materials to perform the way they were designed.  Annual inspections are also an important part of roof maintenance.

Tile Roof
Tile is a great material for roofs, especially here in Arizona.  However, if not installed properly, they can begin to leak after a very short period of time.  Improper installation is more common than you would think and it can allow the tiles to move out of their intended position (see picture).  This allows water to penetrate the roof.   Once a leak begins, the roof can deteriorate quickly and tiles can actually fall off the roof (very dangerous if you happen to be standing nearby when it happens).   Apart from the installation, tiles can crack easily which also allows water in.   If you don’t have a good reason, never walk on a tile roof.  In some cases, it will even void your warranty (if they can prove that you were up there).   The best preventative measure for tile roofs is to look for cracked tiles and tiles that have shifted out of position, then call a professional, your homebuilder or warranty company.  Average life expectancy is approximately 50 years, depending on maintenance.

Asphalt Shingle Roof
Asphalt roofs can be found all over the country and perform well in most climates.  The main enemy to asphalt roofs here in Arizona is the sun.  The intense heat and ultra violet rays will deteriorate the shingles and shorten their life span.  If the shingles become brittle, they can easily be damaged by wind.  Inspect the roof after monsoon storms for missing or damaged shingles.  If your roof is over 15 years old, a higher level of maintenance may be required.  Asphalt shingles come in different qualities (i.e. 20 year shingles, 30 year shingles, etc.)  Keep in mind that here in Arizona, they actually last fewer years than the stated life expectancy due to the intense sun.

Built Up or Flat Roof
A flat roof is not truly flat and installation is key.  If water does not drain off the roof properly, it will pond.   This sitting water will ruin a flat roof quickly.  If ponding does occur, steps should be taken to redirect the water off the roof and away from the house.  This expense is far less than replacing the entire roof.  If a leak occurs, it may be very hard to detect precisely where it is coming from which can add to the cost of repairs.  Prevention is the approach that should be taken when maintaining a flat roof.  These roofs should last for the life of the structure provided they are resealed every 3-5 years.

Wooden Shingle or Shake Roof
Wooden roofs can be some of the prettiest roofs and should last 40 to 60 years if properly maintained.  One of the best ways to keep a wooden roof in peak condition is to apply a wood sealer every 5 years or so.  This will help keep the shingles clean and protect them from water damage and other elements.  Wooden roofs, like tile, can be easily damaged by walking on them so stay off unless you have a real good reason.  Annual inspections are important; things to look for include curling, cracked or broken shingles and shingles that have been moved out of place.

Nothing will completely eliminate the possibility of a roof leak.  However, following a few simple rules along with a little preventative maintenance can help reduce the risk.  And catching problems early will greatly reduce your costs when problems do arise!

Remember:  If you have any questions or concerns, call a Home Inspector!

Is your warranty about to expire?

Click here for information on Warranty Inspections

What can you do with the equity in your home?  Re-model the kitchen or bathroom?  Re-surface the pool and add a rock water fall and BBQ?  Or, remove the tiles on the roof, replace the felt paper and batons completely, and add the flashings that the original roofer failed to install which is why you had to jimmy rig three five gallon buckets in the attic to catch the rain water that is entering between the sheathing and staining the kitchen and living room ceilings.  Breathe…….Unfortunately this happened.

The original homeowners purchased this home new, ten short years ago and now have to replace most or all of the underlayment on their roof.  The roof had several construction flaws that led to its failure (see pictures below).  Most of these flaws allowed storm water to get under the tiles and onto the felt paper.  As water runs under the tiles, it runs into thin wood pieces called batons.  These batons are what the tiles are nailed to and run horizontally across the span of the roof with gaps every few feet to allow water to slip between, should any water enter.  The batons expel the water horizontally which affects additional material and instead of a small area between the leak and the bottom of the roof, you now have a large area that can be affected by one small leak.  So instead of paying off the car and taking a cruise through the Caribbean, the homeowner is going to spend thousands of dollars and their home will look just as it did ten years ago.

This is just another example of why it's so important to have a Construction Inspection!  We will inspect your new home as it's being built and after it's complete, helping to eliminate hidden surprises like the one described above.  A Warranty Inspection can also help to find problems before your new home warranty expires.

Homewerx offers several different types of inspections to help buyers, sellers and homeowners.  Call to schedule your home inspection today!

(480) 503-2611

or 1-888-THE-WERX

...or schedule online!

Because an ounce of inspection is worth a pound of repair!

More information on Roof Inspections is coming soon!

Until then, please call for prices, scheduling and other details!

(480) 503-2611
or 1-888-THE-WERX

We inspect in accordance with the Arizona BTR Standards and ASHI® Standards.  A standard home inspection includes the following:

Termite Reports & Environmental Inspections are not included in a standard home inspection, but can be done for an additional fee.

During a standard home inspection, the roofing components below are inspected:

• roof coverings
• roof drainage systems
• flashings
• skylights, chimneys and roof penetrations
• signs of leaks or abnormal condensation on building components

There are many reasons one might need a home inspection:

• Before you buy a home
• Before you sell a home
• While you're building a new home
• Before your new home warranty expires
• When you have a specific problem that needs investigating such as your roof, sewer or plumbing system, air ducts and ventilation, pool or spa, etc.
• To improve energy efficiency and save money on utility bills
• When your builder won't seem to honor their warranty
• Periodically to catch problems early and maintain your home's value
• To look for termite activity
• For environmental testing, such as lead-based paint, water quality, radon, mold & indoor air quality

Call today!

(480) 503-2611
or 1-888-THE-WERX

or Schedule Online!

Because an ounce of inspection is worth a pound of repair!

We are still working on this blog so we're sorry in advance for anything that may seem confusing or features that are not yet working!  Many feature are working, however, so take a look around...you will find useful, interesting information about your home. 

Thanks for visiting and be sure to come back soon!

As Christmas rapidly approaches, homeowners climb their ladders and hang their Christmas decorations.  And each weekend, I witness yet another one of my neighbors walking on their tile roof as they string their lights up.  This is a really bad idea!  Tiles crack very easily.  It takes an extremely skilled professional to walk on a tile roof without damaging it.  Don't try it - you will most likely be sorry!  Home Inspectors generally do not even walk on tile roofs to inspect them!

If you have already walked on your tile roof this year or in the past, you may want to have your roof inspected for broken tiles before it begins to leak.  It's relatively inexpensive to have a few tiles replaced.  But once they start leaking, it can be much more costly.

If you or someone you know is in need of a home inspection, call today!

(480) 503-2611 or 1-888-THE-WERX

Because an ounce of inspection is worth a pound of repair!

DON'T PAY FOR YOUR BUILDER'S MISTAKES!!

All homes have flaws and hidden defects, even brand new homes. The cracks in the walls and sticking doors may just be the tip of the iceberg. Some defects can cost hundreds if not thousands of dollars to repair, as well as put your family’s health and safety at risk.  That's why it’s important to have someone on your side like Homewerx Home Inspections.

A warranty inspection by Homewerx Home Inspections will help you find the hidden problems that exist in your new home BEFORE your warranty expires. From roofs that are improperly installed and in some cases, not even finished, to broken trusses and missing insulation, we regularly find major builder errors that slipped by the busy city inspectors. Our inspection can easily pay for itself by saving you future out-of-pocket repairs.

In addition to revealing problems caused by sub-standard materials and workmanship, we will also document the problems you already know about, making the ‘builder warranty process’ less of a headache.  Our easy-to-read, yet comprehensive typewritten report has color digital photos, a summary of necessary repairs you can give to your builder, and home maintenance tips to help keep your home in top shape.  Let us catch the problems now to save you time, frustration and money in the future.

HURRY...CALL BEFORE YOUR WARRANTY EXPIRES!

(480) 503-2611 or 1-888-THE-WERX

...or you can schedule online!

REMEMBER...if our Inspector finds one flaw covered under your warranty that you were unaware of, this inspection can easily pay for itself!!

Protect Your Investment...call for an appointment TODAY!

As a home inspector, I often make recommendations to my clients that they should remove or trim vegetation away from the house to prevent damage.  In this case, a small cactus was growing on the patio roof.  This is not the first time I have needed to recommend the removal of a cactus from the roof.   

Why would you need a Special Inspection?

• Are those cracks in your walls just settlement cracks or are they structural?
• Should you pay to fix them or wait...will they just crack again? 
• Have you received estimates from contractors and aren't sure they're being honest with you?
• Are they telling you that something needs to be replaced when it only needs to be adjusted?
• Do you have moisture getting in somehow but you're not sure how?
• Have you ever wondered why it is warmer in one room than another?
• Do you hear running water even when no faucets are on?
• What about the door that sticks and those cracks in your tile.

The leaky shower head that caused this damage LOOKED like it was only leaking outside the wall. An inspection revealed that the leak had actually caused the wall to rot, requiring that it be completely rebuilt. (Picture above was taken during wall repairs.  No dismantling or destructive testing is performed during a home inspection.)

Special Inspections are for homeowners that need help with a specific problem instead of an 'entire house inspection'.

CALL for an inspection TODAY!

(480) 503-2611
Toll Free 1-888-THE-WERX

Or Schedule Online

...because an ounce of inspection is worth a pound of repair!

Need an Expert on your side?

• Are you fighting with your builder or contractor?   
• Are you a Real Estate Agent, or otherwise involved in a real estate transaction gone bad? 
• Feel that a lawsuit may be the only way to resolve your differences?

Let one of our experienced Home Inspectors be your Expert Witness and:

• Thoroughly inspect the property or item in question
• Take pictures, video clips, verbal & written notes
• Perform various research (public records, codes, etc.)
• Prepare a comprehensive written report with color digital photos
• Communicate findings supporting your position to other parties
• If necessary, appear for depositions and/or testify on your behalf.

We're on your side!   Call for a free price quote today.

(480) 503-2611 or 1-888-THE-WERX

Think you don’t need your new home inspected during and after construction because the city inspector will catch any flaws?

Think again…New homes need to be inspected too!

Many defects can affect your family’s health and safety, not to mention your pocketbook and the long term condition of your home.  By hiring Homewerx to inspect your new home during its construction, you are sending a message to your builder that you expect quality workmanship and intend to hold them to the highest standards possible.  Having an inspection during the construction of your new home also allows us to inspect inside the walls and other areas that can’t be seen in a finished house.  Therefore, the Inspector can make sure important items, like the stem wall, are constructed properly.

City inspectors look mainly for code violations.  And most people would be AMAZED at some of the defects our inspectors have found that apparently slipped by the city inspector!

Depending on how far along construction is when you call us, we will perform 3 separate inspections while your house is being built.  Of course, Clients are always welcome to call their Inspector at any phase of the construction to discuss whatever concerns they may have.

Stem Wall Inspection - takes place upon completion of the stem wall, preferably before the underground plumbing is buried

Frame Inspection - takes place just before the drywall and insulation are installed

Final Inspection - takes place when construction is complete and utilities are turned on (just prior to the final walk-through)

CALL TODAY!!!

(480) 503-2611 or 1-888-THE-WERX

or you can schedule online!

...because an ounce of inspection is worth a pound of repair!

Check Construction Inspection Prices

WHAT'S HIDING IN YOUR ATTIC?

We all perform regular maintenance on our cars by having a tune-up every so many miles, but what about your house?  Often times, our biggest investment is also the most neglected. 

Homes in Mesa have increased in value approximately 50% over the last year.  To maintain that value, you need to have periodic inspections and repairs performed on your home.  Catching problems early can help prevent more severe and costly damage later.

The average home inspection reveals more than 43 defects.  Even new homes have many hidden problems never seen by the occupants.  Some defects even pose a significant HEALTH and SAFETY RISK to you and your family.  Out of sight shouldn’t mean out of mind!

A Home Maintenance Inspection from Homewerx will make you aware of what repairs are needed now to avoid further costly damage, and which ones can wait.  In addition to identifying and prioritizing those conditions that need attention, a home inspection can also detect immediate safety issues.  From broken trusses and roof problems to plumbing and electrical issues...we’ll check it all out for you.  We even do a carbon monoxide test.  By identifying and correcting problems early, you can save a great deal of time, money and frustration.

A Home Maintenance Inspection is also a great learning opportunity.  You can walk through the house with the Inspector and ask any questions you may have about your home or its components.  Our Inspectors will take the time to answer your questions and address your concerns.  In addition to being extremely knowledgeable, our Inspectors are also very personable and are able to answer questions and discuss their findings in a manner that is easy to understand.  Many Clients are amazed at how much information they obtain during a 2-3 hour home inspection.

Selling your home soon and don’t want to do repairs?  Not only do most buyers have a home inspection, but the average buyer negotiates TWICE the cost of necessary repairs during the sale.  Knowledge is power!  Properly maintaining your home now will ensure maximum sales price and minimum time on the market when you sell.

If your home has not been inspected recently, CALL TODAY!!!

(480) 503-2611 or 1-888-THE-WERX

or you can schedule online!

Because an ounce of inspection is worth a pound of repair!

If you have a question relating to home inspections, you may ask it by using the 'Comments' below.  Keep in mind that anything you post in the 'Comments' will become a permanent part of this blog.  If you have a more personal question that you do not want published, you may email me your question instead.

Your question will be answered within 48 hours.  If you email your question, the answer will be emailed to you.  If you post your question in the Comments, the answer will be posted in the Comments.  Please understand that I cannot always answer your question definitively without actually seeing and inspecting the condition you are asking about, but I will do my best!

You are always welcome to call my office with any questions or concerns.  My contact information is below.  Have a great day, and remember...an ounce of inspection is worth a pound of repair!

Scott Hubbard Certified Home Inspector, ASHI Member Homewerx Home Inspections Office: (480) 503-2611 Toll Free: 1-888-THE-WERX Email me

WE CAN NOW TAKE CARE OF BOTH YOUR HOME INSPECTION & TERMITE REPORT!**

• Inspections 7 Days a Week, Valleywide
• State Certified, ASHI® Standards
• Fully Insured Including E&O, General Liability & Workmans Comp
• Reports Can Be E-mailed
• Lockbox Access
• Online Scheduling
• 5-Day Scheduling Guarantee*
• Low Price Guarantee* 
• Promise of Quality*
• All Inspectors are ASHI® Members or Candidates
• VISA & MasterCard Gladly Accepted
• Comprehensive, Easy-to-Read Reports with Color Photos
• Walk Through with Inspector and Ask Questions
• Get Your Termite Report** & Home Inspection with one appointment, and just one payment!
• Courteous, Knowledgeable Staff
• Highest Ethical Standards
• Latest Technology
• Full Service Inspection Company
• Family-owned and operated since 1999

We offer the following services VALLEYWIDE, 7 days a week:

• Pre-Purchase Inspection
• Pre-Sale Inspection
• Arizona Disclosure Reports
• Neighborhood Environmental Reports
• Construction Inspection
• Warranty Inspection
• Home Maintenance Inspection
• Special Inspection
• Home Energy Tune-uP®
• Commercial Inspection
• Termite Inspection
• Roof Inspection
• Pool & Spa Inspection
• Sewer Inspection
• Air Duct Inspection
• Radon Testing
• Mold Testing & Indoor Air Quality
• Water Testing
• Lead-Based Paint Testing
• Expert Witness Service

(480) 503-2611
or 1-888-THE-WERX

You can even SCHEDULE YOUR INSPECTION ONLINE!

Because an ounce of inspection is worth a pound of repair!

* 5-day Scheduling Guarantee means 5 business days.  All offers, promotions and guarantees available in Phoenix-metro area only, and other restrictions apply.  Call for complete details.

** Termite Inspections are scheduled by Homewerx, Inc. at the same time as your home inspection, but Termite Inspections are performed by Canyon State Termite & Pest Control LLC.  Only one appointment and one payment required!