Homeowner Glossary

Plain-English definitions of the 321 terms that show up on inspections, quotes, labels, and permits. Each one tells you what it means and where the word comes from.

A

Acre

Acre

An acre is a unit of land measurement equal to 43,560 square feet. If you look at a standard American football field, one acre covers about three quarters of it.

Actual Cash Value

Actual Cash Value

An insurance payout method that gives you money for a damaged item based on what it's worth today, not what you paid for it. The insurance company subtracts money for age and wear and tear before writing your check.

Adjustable Wrench

Adjustable Wrench

This is a metal hand tool with a movable jaw that you can change to fit different sized nuts and bolts. You spin a small thumb wheel to open or close the mouth of the tool.

Adjuster

Adjuster

An adjuster is a professional who visits your home after you file an insurance claim. They inspect the damage from a storm, fire, or leak to decide how much money the insurance company should pay.

Aeration

Aeration

This is a lawn care process that punches small holes into the soil. It pulls out little plugs of dirt to relieve soil compaction.

Aerator

Aerator

This is a small metal screen attached to the tip of a faucet. It mixes air into the water stream to reduce splashing and save water.

AFCI Receptacle

AFCI Receptacle

This is a special electrical outlet designed to detect dangerous electrical sparks. If it senses a sparking wire that could start a fire, it instantly cuts the power.

Agitator

Agitator

This is the tall plastic spindle in the center of a top loading washing machine. It twists back and forth to rub clothes together and break apart stains.

Air Handler

Air Handler

The indoor part of your heating and cooling system that blows air through your house. It contains a blower fan and filters to push conditioned air into your ductwork.

Allen Wrench

Allen Wrench

This is a small, L shaped piece of metal with a six sided tip. You use it to turn special screws that have a matching six sided hole in the top.

Amortization

Amortization

The schedule that shows exactly how your monthly mortgage payments pay down your home loan over time. At the beginning of the loan, most of your payment covers the interest fee.

Ampere

Ampere

An ampere is the unit used to measure the volume of electrical current flowing through a wire. You'll often see it shortened to amp on your electrical panel.

Anchor Bolt

Anchor Bolt

This is a heavy duty metal fastener set into a concrete foundation. It holds the wooden base plates of the house firmly to the concrete.

Anode Rod

Anode Rod

An anode rod is a long metal stick inside your water heater. It attracts corrosive elements in the water so they eat the rod instead of the tank.

Appraisal

Appraisal

This is a formal report that states exactly how much your house is worth on the current market. A licensed professional inspects your home and compares it to similar houses that recently sold nearby.

Arbor

Arbor

This is a freestanding outdoor structure with an open roof framework that supports climbing plants and vines. You will often see them placed over garden pathways or at the entrance to a backyard.

Arborist

Arborist

An arborist is a trained professional who knows how to plant, care for, and safely remove trees. You hire them to diagnose tree diseases, trim dangerous branches, or grind down leftover stumps.

Assessed Value

Assessed Value

This is the specific dollar amount your local government assigns to your home to calculate your property taxes. It is usually lower than the actual price your home would sell for on the open market.

Auger

Auger

This is a spiral metal or plastic rod found inside your refrigerator ice maker or a pellet stove. It spins to push ice cubes or wood pellets forward into the dispenser.

Azimuth

Azimuth

This is a compass measurement that tells you the exact direction your roof faces. Solar installers use this angle to figure out if your roof points south to catch the most sunlight.

B

Backflow Preventer

Backflow Preventer

This is a mechanical valve that keeps dirty water from flowing backward into your clean water supply. You will often see it on sprinkler systems or main water lines.

Baffle Filter

Baffle Filter

A baffle filter is a metal grate found underneath your kitchen range hood. It forces greasy cooking air to change direction quickly, which causes the grease to stick to the metal instead of going into your vents.

Bake Element

Bake Element

This is the thick black or grey metal coil located at the very bottom of your electric oven. When you turn the oven on, electricity flows through the coil and makes it glow bright red to heat your food.

Ball Valve

Ball Valve

This is a water shutoff switch with a handle that turns a quarter of the way around. Inside the pipe, a metal ball with a hole in it spins to block or allow water flow.

Balloon Framing

Balloon Framing

An older style of house construction where the wooden wall studs run continuously from the foundation all the way up to the roof. Builders used this method in the late 1800s and early 1900s before switching to modern floor by floor framing.

Baluster

Baluster

A baluster is one of the vertical posts that support the handrail on your staircase or outdoor deck. They are spaced closely together so children and pets can't squeeze through and fall.

Baseboard

Baseboard

This is a wooden or plastic trim piece that covers the joint where your interior walls meet the floor. It hides uneven drywall edges and protects the bottom of your wall from shoe scuffs and vacuum bumps.

Basin Wrench

Basin Wrench

This is a specialized plumbing tool with a long handle and a pivoting jaw at the top. You use it to reach straight up behind a sink bowl to tighten or loosen the nuts holding the faucet in place.

Battery Bank

Battery Bank

This is a group of batteries wired together to store electrical energy. If you have solar panels, this system holds the extra power for you to use at night.

Berm

Berm

A berm is a raised mound of dirt created in your yard to change the landscape. You can build one to redirect rainwater away from your foundation or to create a visual barrier.

Bidet

Bidet

A bidet is a plumbing fixture that sprays a small stream of water to wash you after you use the toilet. You can install a standalone bidet next to your toilet, or buy a bidet seat that replaces your regular toilet lid.

Bird Stop

Bird Stop

This is a curved piece of metal or plastic placed under the bottom edge of a tile roof. It blocks the open gaps created by the curved shapes of the roofing tiles.

Blower Motor

Blower Motor

This is the large fan inside your indoor heating and cooling unit. It pushes the heated or cooled air through the ductwork and into the rooms of your house.

Board Foot

Board Foot

This is the special unit of measurement lumberyards use to sell rough wood. It equals a piece of wood that is 12 inches long, 12 inches wide, and 1 inch thick.

Brad Nailer

Brad Nailer

This is a power tool that shoots very thin nails into wood using compressed air or a battery. You use it to attach delicate trim pieces like baseboards and window casings without splitting the wood.

Breaker Panel

Breaker Panel

This is the main metal box that takes electricity from the street and splits it into different circuits for your house. It holds rows of switches that automatically flip off if a wire gets too hot.

Broil Element

Broil Element

This is the thick metal heating coil located at the top of your oven. It gets bright red and very hot to cook your food quickly from above.

BTU

BTU

A BTU is a measurement that tells you how much heat an appliance can produce or remove from the air. You'll see this number on air conditioners, furnaces, and gas grills.

Busbar

Busbar

A busbar is a thick strip of copper or aluminum inside your electrical panel. It conducts electricity from the main power line and distributes it to your individual circuit breakers.

Bypass Diode

Bypass Diode

A bypass diode is a tiny electronic part built into solar panels. It acts like a detour sign for electricity when part of the panel is covered by shade or leaves.

C

Caliper

Caliper

A caliper is a precise measuring tool with two metal jaws that slide open and closed. You use it to measure the exact thickness of a pipe or the width of a small gap.

Cantilever

Cantilever

This is a structural beam or floor section that sticks out past its support base. It allows a balcony or an upper floor to hang over the ground without posts underneath.

Capacitor

Capacitor

A small cylinder inside your air conditioner or furnace that acts like a temporary battery. It stores electricity and gives the motor a big jolt of power to start running.

Catch Basin

Catch Basin

This is a buried box in your yard with a grated cover on top. It collects heavy rain water from your lawn or downspouts and directs it into an underground drain pipe.

Caulk

Caulk

Caulk is a flexible, waterproof paste used to seal joints around windows, doors, and bathtubs. It blocks drafts and stops water leaks.

Caulking Gun

Caulking Gun

This metal or plastic frame holds a tube of sealant. When you squeeze the trigger, a metal rod pushes a plunger into the tube to force the sealant out of the nozzle.

Cesspool

Cesspool

This is an underground pit lined with brick or stone that collects wastewater from your home. The liquid slowly seeps out through the unsealed walls into the surrounding dirt.

Chalk Line

Chalk Line

A tool that uses a string coated in colored dust to snap a perfectly straight line across a long surface. Contractors use it to mark where to cut wood, lay tile, or install wallpaper.

Charge Controller

Charge Controller

This is an electronic box that sits between your solar panels and your solar battery bank. It limits the rate at which electric current is added to or drawn from the batteries.

Check Valve

Check Valve

A check valve is a plumbing part that lets water flow in only one direction. It stops dirty water from backing up into your clean water supply.

Chisel

Chisel

This is a hand tool with a sharp beveled edge at the end of a metal blade. You strike the handle with a hammer to carve away small pieces of wood or chip away old mortar.

Circular Saw

Circular Saw

This is a handheld power tool with a spinning round blade used for cutting wood. Carpenters use it to quickly cut through boards and plywood sheets.

Claim

Claim

This is a formal request you make to your insurance company for money after an accident or disaster. You file one when your roof is damaged by hail or your basement floods.

Cleanout

Cleanout

A cleanout is a capped pipe that gives a plumber easy access to your main sewer line. You can usually find it in your yard, basement, or near the foundation.

Closet Flange

Closet Flange

This metal or plastic ring connects your toilet to the floor and the drain pipe. It gives you a secure spot to bolt the toilet down so it will not rock.

Closing Costs

Closing Costs

These are the various fees you pay at the very end of a real estate transaction. They include charges for loan processing, title searches, taxes, and appraisals.

Closing Disclosure

Closing Disclosure

A closing disclosure is a five page form you receive right before you buy or refinance a house. It lists your final loan terms, monthly payments, and all the fees you must pay.

Combiner Box

Combiner Box

A small electrical box mounted on your roof or wall that connects the wires from multiple solar panels together. It takes the electricity from several different solar cables and merges it into one main wire.

Compost

Compost

This is a dark soil mixture made from decayed organic matter like leaves, grass clippings, and food scraps. Gardeners mix it into their flower beds to give plants extra nutrients.

Compressor

Compressor

The heavy motor located inside the metal box of your outdoor air conditioning unit. It squeezes the refrigerant gas and pumps it through your system to remove heat from your house.

Condensate Pump

Condensate Pump

This is a small electric pump that sits next to your indoor air conditioner or high efficiency furnace. It collects the water that drips off the cooling coils and pumps it through a clear tube to the outside of your house.

Condenser Coil

Condenser Coil

This is a network of metal tubes on the back or bottom of your refrigerator. It takes the heat pulled from inside the fridge and releases it out into your kitchen air.

Conductor

Conductor

This is any material that allows electricity to flow through it easily. In your home, the copper or aluminum wires inside your walls serve this purpose.

Conduit

Conduit

Conduit is a tough tube used to protect electrical wires from damage. You'll see it made of metal or plastic, often running along exposed basement walls or outdoors.

Conduit Body

Conduit Body

This is a small metal or plastic box that joins sections of electrical pipe together. It has a removable cover that lets you pull wires around tight corners without snagging them.

Contactor

Contactor

A contactor is a heavy duty electrical switch inside your outdoor air conditioning unit. It turns the high voltage power on and off to start your compressor and fan.

Contingency

Contingency

A safety clause written into your real estate contract when you buy a house. It lets you walk away from the deal and keep your deposit if something goes wrong.

Coping Saw

Coping Saw

This is a hand tool with a very thin metal blade stretched across a metal frame shaped like a capital D. You use it to cut tight curves and intricate shapes in wood trim or plastic.

Counterflashing

Counterflashing

Counterflashing is a second layer of metal that overlaps the base flashing on your roof. Roofers install it right into the brickwork of your chimney to keep rain from sliding behind the bottom metal pieces.

Covenants

Covenants

These are strict neighborhood rules created by a homeowners association that dictate what you can and cannot do with your property. They might restrict the color you can paint your house or ban you from parking a boat in your driveway.

Crawlspace

Crawlspace

This is an unfinished area under the first floor of a house that is not tall enough to stand up in. It provides access to plumbing pipes, electrical wires, and heating ducts.

Cricket

Cricket

This is a small peaked structure built on your roof right behind a chimney. It stops water and debris from pooling against the flat back side of the brickwork.

Crisper Drawer

Crisper Drawer

A clear plastic bin at the bottom of your refrigerator designed to store fresh fruits and vegetables. It has a tiny sliding vent that lets you control how much moisture stays inside.

Cubic Foot

Cubic Foot

This is a unit of measurement that describes the volume of a space. You'll see it on appliance labels to tell you how much food a refrigerator holds or how much dirt a wheelbarrow carries.

Cubic Yard

Cubic Yard

This is a unit of volume used to measure bulk landscaping materials like dirt, mulch, and gravel. It represents a block of space that is three feet wide, three feet long, and three feet deep.

D

Damper

Damper

A damper is a small metal plate inside your heating and cooling ducts. You can open or close it to control how much air flows into different rooms.

Declarations Page

Declarations Page

This is the first page of your home insurance policy that summarizes your exact coverage. It tells you how much you pay each year, the cost of your deductible, and the maximum payout for a disaster.

Deductible

Deductible

This is the amount of money you must pay out of your own pocket before your home insurance starts paying for a repair. If a storm ruins your roof, you pay this set amount first.

Deed

Deed

This is the official legal document that proves you own your house and land. You sign it at closing, and the title company records it with your local county government.

Defrost Heater

Defrost Heater

This is a small electric heating element located behind the walls of your freezer. It turns on automatically a few times a day to melt away built up frost on the cooling coils.

Depreciation

Depreciation

This is the loss of value of your home or its parts over time due to age and wear. Your insurance company uses this to calculate how much they will pay out if your old roof gets damaged.

Dethatcher

Dethatcher

This is a gas or electric machine that pulls up the dead layer of grass stems and roots choking your lawn. It uses a spinning drum covered in metal tines to comb fiercely through the turf.

Dielectric Union

Dielectric Union

A special plumbing fitting that connects two different types of metal pipes, like copper and galvanized steel. It uses a plastic washer to keep the metals from touching each other.

Diffuser

Diffuser

This is a type of vent cover that spreads conditioned air evenly across a room. It has angled fins that direct the airflow in multiple directions.

Dip Tube

Dip Tube

This is a long plastic pipe inside your water heater. It carries cold water from the top of the tank down to the bottom so it can heat up.

Disconnect Switch

Disconnect Switch

This is a safety box mounted on the outside wall near your air conditioner. It lets a repair person completely cut the power to the unit before they start working.

Diverter Valve

Diverter Valve

A diverter valve sends water to different parts of your plumbing system. You use it every time you pull the knob to switch water from the bathtub spout to the showerhead.

Downspout

Downspout

This is the vertical pipe that carries rainwater from your roof gutters down to the ground. It stops water from pouring directly off the roof and damaging your foundation.

Draft Hood

Draft Hood

This is an open metal funnel located on top of a gas water heater or furnace. It pulls in room air to mix with hot exhaust gases so they can safely exit your home.

Draft Inducer

Draft Inducer

This small motor and fan sit inside a gas furnace. It turns on before the burners ignite to push leftover gases up the chimney or exhaust pipe.

Drip Edge

Drip Edge

A drip edge is a piece of L shaped metal installed along the edge of your roof. It guides rain water directly into your gutters so it doesn't rot the wood underneath.

Drip Irrigation

Drip Irrigation

This is a network of small plastic tubes laid out in your garden beds. The tubes have tiny holes that slowly leak water directly into the soil right at the roots of your plants.

Drum Roller

Drum Roller

This is a small rubber or plastic wheel located inside your clothes dryer. Most dryers use two or more rollers to support the heavy metal drum as it spins.

Drywall

Drywall

This is the flat building material used to make the interior walls and ceilings in your house. It consists of a hard plaster core sandwiched between two thick sheets of paper.

Ductwork

Ductwork

Ductwork is the system of large metal or flexible tubes hidden in your walls, ceilings, and floors. These tubes carry heated or cooled air from your HVAC unit to every room in your house.

E

Earnest Money

Earnest Money

This is a cash deposit you give to a seller to prove you are serious about buying their house. It goes into a safe account while you complete your inspections and secure a loan.

Easement

Easement

An easement is a legal right that lets someone else use a specific part of your property. You might see this on your property survey if the city needs access to a buried sewer line in your backyard.

Eaves

Eaves

These are the lower edges of your roof that hang over the exterior walls of your house. They help direct rainwater away from your siding and foundation.

Efflorescence

Efflorescence

A powdery white stain that appears on brick, concrete, or basement walls. It happens when water leaks through the masonry and leaves natural salt crystals behind as it dries.

Endorsement

Endorsement

This is a written document attached to your home insurance policy that changes or adds to your coverage. You might buy one to get extra protection for expensive jewelry or to cover damage from a sewer backup.

Equity

Equity

Equity is the portion of your home that you actually own outright. You calculate it by taking the current market value of your house and subtracting what you still owe on your mortgage.

Escrow

Escrow

A safe holding account managed by a neutral third party during a real estate deal. It holds your deposit money until all the paperwork is signed and the house keys are yours.

Escutcheon

Escutcheon

This is the decorative metal plate that covers the hole in your wall where a pipe comes through. You'll usually see it behind a toilet or under a sink.

Evaporative Cooler

Evaporative Cooler

This is a cooling system that blows warm outside air through wet water pads. The air drops in temperature as the water evaporates into it.

Evaporator Coil

Evaporator Coil

A network of copper or aluminum tubes located inside your indoor heating and cooling unit. It gets freezing cold as chemical refrigerant flows through it to absorb heat from your home air.

F

Fascia

Fascia

This is the long, straight board that runs along the lower edge of your roof. Your gutters attach directly to this board.

Felt Paper

Felt Paper

A heavy sheet of black paper soaked in asphalt that roofers roll out over your bare roof. It adds an extra layer of waterproof protection between the wood framing and your shingles.

Fiber Cement

Fiber Cement

This is a tough building material made by mixing sand, cement, and wood pulp. Manufacturers press this mixture into boards that look like real wood siding but will never rot or catch fire.

Fill Valve

Fill Valve

This tall plastic mechanism sits inside your toilet tank. When you flush, it opens to let fresh water refill the tank and the bowl.

Filter Drier

Filter Drier

This is a small metal cylinder installed on the copper lines of your air conditioning system. It catches dirt and absorbs harmful moisture before they can reach your expensive compressor.

Fish Tape

Fish Tape

A long, flat coil of stiff steel wire that electricians use to pull new wires through walls and pipes. You push the tape through the empty space, hook your new wire to the end, and pull it all back.

Fixture

Fixture

This is any item that is permanently attached to your house or land. Things like ceiling lights, built-in cabinets, and bathroom sinks fall into this category.

Flame Sensor

Flame Sensor

This thin metal rod sits inside your gas furnace right next to the burners. It detects if a fire is actually burning when the gas turns on.

Flapper

Flapper

A flapper is the rubber plug sitting at the bottom of your toilet tank. When you flush, a chain lifts it up to let water rush into the bowl.

Flashing

Flashing

Flashing is a thin piece of waterproof material that keeps water from getting into the joints of your house. Roofers install these metal sheets around chimneys, skylights, and roof valleys.

Flue

Flue

A flue is the metal pipe or brick channel that carries exhaust gases from your furnace or water heater to the outside. It works exactly like a chimney to safely remove dangerous carbon monoxide from your home.

Footing

Footing

A footing is the wide pad of concrete poured deep underground to support the weight of your house. It sits at the very bottom of the foundation wall and spreads the weight of the building into the soil.

French Drain

French Drain

This is a trench filled with gravel and a pipe that has holes in it. It catches standing water in your yard and redirects it away from your house foundation.

Furring Strip

Furring Strip

These are thin strips of wood or metal used to level a wall or ceiling. Builders attach them to rough surfaces like brick or concrete before hanging drywall.

G

Gable

Gable

This is the triangular upper part of a wall at the end of a ridged roof. It fills the space where the two sloping sides of the roof meet.

Gallons Per Minute

Gallons Per Minute

This is a measurement that tells you how fast water flows out of a fixture. You'll see this rating printed on showerheads and kitchen faucets to show how much water they use.

Galvanic Corrosion

Galvanic Corrosion

A chemical reaction that destroys metal pipes when two different types of metal touch each other in water. It happens often in plumbing when a copper pipe connects directly to a steel pipe.

Galvanized Steel

Galvanized Steel

This is regular steel that has been coated with a thin layer of zinc. The zinc coating stops the metal from rusting when exposed to water or weather.

Gasket

Gasket

This is a flexible rubber or silicone ring used to seal the gap between two surfaces so water or air cannot escape. You will find them on the doors of your refrigerator to keep cold air inside and inside your plumbing fixtures to stop drips.

Gate Valve

Gate Valve

This is a plumbing valve that uses a round knob to lower a metal barrier into the pipe to stop water flow. You have to turn the handle several times to fully open or close it.

GFCI Receptacle

GFCI Receptacle

This is a special type of electrical outlet designed to protect you from deadly shocks. It constantly monitors the electricity flowing in and out of the plug.

Grading

Grading

This is the process of shaping the dirt around your house so the ground slopes away from the foundation. It ensures that rainwater flows toward the street or a drainage ditch.

Greywater

Greywater

This is the relatively clean wastewater that drains from your bathroom sinks, showers, and washing machines. It does not include raw sewage from toilets or heavy food waste from kitchen sinks.

Grid Tie

Grid Tie

This is a type of home solar system that connects directly to your local utility power lines. When your solar panels make more electricity than you need, the extra power flows outward to the city grid.

Ground Rod

Ground Rod

A ground rod is a long copper or steel pole driven deep into the earth outside your house. It connects to your electrical panel and gives stray electricity a safe path into the dirt.

Grout

Grout

Grout is a thin, sandy mixture used to fill the gaps between tiles in your bathroom or kitchen. It locks the tiles in place and keeps water from seeping behind them.

Gutter Guard

Gutter Guard

This is a protective cover that sits on top of your rain gutters to keep leaves and twigs out. It has tiny holes or a mesh screen that lets water flow through while blocking debris.

H

Hacksaw

Hacksaw

A hand tool with a thin, fine-toothed blade stretched tight across a metal frame. You use it to cut through hard materials like metal pipes, plastic tubes, and thick bolts.

Hardiness Zone

Hardiness Zone

This is a geographic area defined by how cold its winter temperatures get. You use these zones to figure out which trees and flowers will survive the winter in your specific yard.

Hardscape

Hardscape

Hardscape refers to the heavy, non living parts of your landscaping. This includes concrete patios, stone walkways, brick retaining walls, and wooden decks.

Header

Header

A header is a heavy wooden beam placed horizontally over a door or window frame. Because the wall studs are cut to make room for the window, the header carries the weight of the roof above it.

Heat Exchanger

Heat Exchanger

This is a metal chamber inside your furnace that heats up when gas burns. The blower pushes air over this hot metal to warm the air before it enters your home.

Heat Pump

Heat Pump

A heat pump is an energy efficient system that heats and cools your home. It moves heat from one place to another instead of generating it.

Heat Strip

Heat Strip

This is a coil of wire inside your air handler that acts as a backup heater for your heat pump. When the weather gets too cold for the heat pump, electricity flows through the wire to make it glowing hot.

Heating Element

Heating Element

This is a thick metal coil inside your oven, electric water heater, or clothes dryer. When electricity flows through it, the metal resists the current and glows red hot to create heat.

HOA Dues

HOA Dues

This is a mandatory fee you pay to your neighborhood homeowners association every month or year. The association uses this money to pay for community perks like pool maintenance, landscaping, and streetlights.

Home Warranty

Home Warranty

This is a service contract you can buy that covers the repair or replacement of your major home systems and appliances. If your old dishwasher breaks, you pay a small service fee and the company pays for the rest of the repair.

Hose Bibb

Hose Bibb

A hose bibb is the outdoor water faucet attached to the side of your house. You use it to connect your garden hose or fill up a bucket.

Housewrap

Housewrap

This is a thin sheet of synthetic material wrapped around the outside walls of your home before the siding goes on. It blocks wind and rain from getting into the wood frame.

Humidistat

Humidistat

This is a control device that measures and adjusts the moisture in your home air. You set a target humidity level just like you set a temperature on a thermostat.

I

Ice and Water Shield

Ice and Water Shield

This thick, sticky rubber membrane goes onto your bare roof deck before the shingles. Roofers place it along the bottom edges and in the valleys of your roof.

Ice Dam

Ice Dam

An ice dam is a thick ridge of solid ice that forms along the edge of your roof in winter. It blocks melting snow from draining off the roof and into the gutters.

Ice Maker

Ice Maker

This is the small machine inside your freezer that automatically freezes water into cubes. It drops the finished cubes into a bin and stops making them when the bin is full.

Igniter

Igniter

An igniter is a small part inside your gas furnace, oven, or water heater that starts the flame. It gets glowing hot when electricity passes through it so the gas can catch fire safely.

Insolation

Insolation

This is a measurement of how much raw solar energy hits a specific area of your roof over a given time. Solar contractors use this data to figure out exactly how many panels you need to power your home.

Insurance Binder

Insurance Binder

This is a temporary legal document that proves you have home insurance before your official policy is issued. You usually need to show this paperwork to your mortgage lender on the day you close on a new house.

Inverter

Inverter

This is a metal box connected to your rooftop solar panels. It takes the direct current electricity your panels make and changes it into the alternating current electricity your home outlets use.

Irradiance

Irradiance

This is a measure of how much raw sunlight actually hits your roof at any given moment. Solar installers use this number to figure out how many panels you need to power your home.

J

K

L

Lally Column

Lally Column

A steel pipe filled with concrete that supports the heavy wooden beams in your basement. It holds up the weight of the house above it so your floors do not sag.

Lauan

Lauan

Lauan is a thin and flexible type of plywood made from tropical wood. You often find it used as a smooth backing layer under vinyl flooring or on the back of cheap cabinets.

Ledger Board

Ledger Board

This is a thick horizontal piece of lumber that attaches a deck or porch directly to your house. You bolt it securely into the structural framing of your home to support one side of the deck.

Level

Level

A straight hand tool containing small tubes of colored liquid with an air bubble inside. You use it to make sure a picture frame, a shelf, or a new wall is perfectly straight up and down or side to side.

Liability Coverage

Liability Coverage

This is the part of your home insurance policy that protects you if someone gets hurt on your property. It pays for their medical bills and covers your legal fees if they decide to sue you.

Lien

Lien

A lien is a legal claim placed on your property by someone you owe money to. If you don't pay a contractor for a kitchen remodel, they can file a lien against your house.

Limit Switch

Limit Switch

A limit switch is a safety sensor inside your furnace that measures air temperature. If the furnace gets dangerously hot, this switch turns off the gas burner immediately.

Line Set

Line Set

A pair of copper tubes that connect your indoor air handler to your outdoor air conditioner. One tube carries cold liquid refrigerant indoors, and the other carries warm gas back outside.

Linear Foot

Linear Foot

This is a measurement that only looks at the length of an item in a straight line. It does not matter how wide or thick the material is.

Lint Trap

Lint Trap

This is a removable mesh screen inside your clothes dryer that catches loose fabric fibers. You must slide it out and wipe the fuzz off after every single load of laundry.

Load Bearing Wall

Load Bearing Wall

This is a structural wall that holds up the weight of the floor or roof above it. You can't safely remove it without adding a heavy support beam in its place.

Loam

Loam

A dark, crumbly type of soil that is perfect for growing healthy lawns and garden plants. It's a balanced mix of sand, silt, and clay that holds water well but drains easily.

Loss of Use

Loss of Use

A section of your homeowners insurance policy that pays for your living expenses if your house is too damaged to live in. It covers the cost of hotel rooms, restaurant meals, and laundry while your home is being repaired.

Louver

Louver

This is a set of angled slats or fins that allow air and light to pass through while keeping rain and direct sunshine out. You will see them on attic vents, window shutters, and folding closet doors.

Lug

Lug

A lug is a heavy metal connector that attaches thick electrical wires to your main breaker panel. You strip the insulation off the wire, push the bare copper into the lug, and tighten a large screw to hold it in place.

Lumen

Lumen

This is a measurement that tells you exactly how bright a light bulb will be. A higher number means the light is brighter while a lower number means it is dimmer.

Luxury Vinyl Plank

Luxury Vinyl Plank

This flooring material looks like real wood but is made of durable plastic. The planks snap together tightly without glue or nails.

M

Macerator

Macerator

A macerator is a machine that grinds up solid waste and toilet paper into a fine slurry. It lets you install a toilet in a basement where the plumbing sits below the main sewer line.

Magnetron

Magnetron

A magnetron is the hidden device inside your microwave oven that actually cooks your food. It takes electricity from your wall and turns it into microwave radiation.

Manifold

Manifold

This is a main plumbing hub that distributes water to different zones in your house. One large pipe brings water into the hub, and several smaller pipes branch out to feed your sinks and showers.

Mastic

Mastic

This is a thick, gooey paste that heating workers use to seal the joints in your metal air ducts. It goes on wet with a brush and dries into a tough, rubbery shell.

Medium Density Fiberboard

Medium Density Fiberboard

This is an engineered wood product made by pressing wood fibers, wax, and resin together under high heat. It is very smooth and does not have wood grain, which makes it perfect for painted cabinets and trim.

Melamine

Melamine

This is a tough plastic coating applied to the outside of particleboard or wood. You will find it covering the shelves and boxes of most modern kitchen cabinets.

MERV Rating

MERV Rating

This is a number between 1 and 16 that tells you how well your furnace filter catches dust and pollen. A higher number means the filter traps smaller particles to keep your air cleaner.

Microinverter

Microinverter

A small device attached to the back of a single solar panel that converts solar energy into usable home power. Unlike a central system, it lets each panel work independently.

Mil

Mil

A mil is a tiny unit of measurement equal to one thousandth of an inch. You will see this word on the packaging of plastic sheeting and vapor barriers to describe how thick they are.

Mini-Split

Mini-Split

This is a ductless heating and cooling system used in many modern homes. It has an outdoor compressor and one or more indoor air handling units mounted on the wall.

Miter Saw

Miter Saw

A miter saw is a power tool used to make precise, angled cuts in wood. It features a circular blade mounted on an arm that you pull down onto the wood.

Mortar

Mortar

A thick mixture of sand, cement, and water used to lock bricks and stone together. Masons spread it between bricks when building a chimney or a house wall.

Mortgage Broker

Mortgage Broker

This is a financial professional who helps you find the best home loan by comparing offers from many different banks. Instead of you visiting five different lenders, the broker does the shopping for you.

Motorized Damper

Motorized Damper

This is a metal plate inside your heating and cooling ducts that opens and closes automatically. Your thermostat tells a small motor to move the plate to block or allow air into specific rooms.

Mudjacking

Mudjacking

This is a repair method used to lift a sunken concrete driveway, patio, or foundation. A contractor drills small holes in the concrete and pumps a thick mixture of water, dirt, and cement underneath.

Mulch

Mulch

Mulch is a layer of material spread over the soil around your plants. You can buy it in bags of shredded wood, bark, or even rubber.

Mullion

Mullion

A mullion is a vertical strip of wood, metal, or plastic that divides a window or a set of doors. In your kitchen, you might see a mullion separating the two doors of your refrigerator.

Multimeter

Multimeter

A multimeter is a handheld tool used to test electrical circuits safely. It has two metal probes and a digital screen that tells you if a wire is live.

N

O

P

P-Trap

P-Trap

This is the curved pipe right under your sink drain. It holds a small amount of water to block smelly sewer gases from coming up into your house.

Perc Test

Perc Test

This is a soil test required before you can install a new septic system. A professional digs a hole, fills it with water, and times how fast the water drains.

Perennial

Perennial

A perennial is a plant or flower that lives for more than two years. It dies back in the winter, but it'll grow back from its roots every spring.

Peril

Peril

This is a specific event that can damage your home or property. Common examples include fire, windstorms, theft, and vandalism.

PEX Tubing

PEX Tubing

This is a flexible plastic pipe used for water supply lines in modern homes. You will often see it color coded in red for hot water and blue for cold water.

Photovoltaic

Photovoltaic

Photovoltaic refers to the technology that turns sunlight directly into electricity. This is the science behind the solar panels you see on home roofs.

Pier

Pier

This is a vertical support column that holds up the structure of a house. You will often find these made of concrete or masonry blocks resting on the ground in a crawlspace.

Pigtail

Pigtail

This is a short piece of electrical wire used to connect two or more wires to a single device like an outlet. It makes it easier to tuck wires into a crowded electrical box.

Pipe Wrench

Pipe Wrench

A heavy metal hand tool with jagged teeth used to grip and turn smooth metal pipes. The upper jaw moves up and down so it bites tighter into the metal as you pull the handle.

Pitch

Pitch

Pitch is a measurement that tells you how steep your roof is. Builders calculate it by seeing how many inches the roof rises for every 12 inches it goes across.

Plaster

Plaster

This is a traditional wall finishing material made of gypsum, sand, and water that dries into a hard surface. Before modern drywall existed, builders spread this thick paste over wooden slats to create smooth interior walls and ceilings.

Plat Map

Plat Map

A detailed drawing drawn by a surveyor that shows the legal property lines for a neighborhood. It shows the exact shape of your land, the street boundaries, and any shared utility spaces.

Plenum

Plenum

A plenum is an enclosed box that connects your HVAC system to the ductwork. It acts as a central hub for air to gather before it blows through your vents.

Plumb Bob

Plumb Bob

This is a heavy, pointed metal weight attached to a long string. When you let it hang freely, gravity pulls the string into a perfectly vertical line.

Plumber's Putty

Plumber's Putty

A soft, clay-like material used to create a watertight seal around sink drains and faucets. You roll it into a snake shape and press it under the metal drain piece before tightening it down.

Policy Exclusion

Policy Exclusion

This is a specific rule written into your home insurance contract that points out exactly what the company will not cover. For example, most standard policies will not pay for damage caused by earthquakes, floods, or termite infestations.

Polyurethane

Polyurethane

Polyurethane is a tough, clear liquid finish used to protect bare wood floors and furniture. It dries into a hard plastic shell that resists water, scratches, and stains.

Portland Cement

Portland Cement

This is the fine gray powder that acts as the main binding ingredient in concrete and mortar. When you mix it with water, sand, and gravel, it cures into a rock solid building material.

Post Base

Post Base

A post base is a metal bracket that connects a wooden upright post to a concrete floor or footing. It holds the wood slightly above the concrete so it doesn't soak up water and rot.

Premium

Premium

A premium is the amount of money you pay your insurance company to keep your home protected. You usually pay this bill once a month or once a year.

Property Tax

Property Tax

This is an annual fee you pay to your local county or city government. The amount is based on the assessed value of your home and land.

Pry Bar

Pry Bar

This is a heavy iron or steel hand tool with a flattened, angled end. You use it to pull out nails, tear down drywall, or separate stubborn pieces of wood.

PSI

PSI

PSI stands for pounds per square inch. It is the standard measurement for water pressure or air pressure in your home.

Purlin

Purlin

A purlin is a horizontal beam that runs along the length of a roof. It gives extra support to the roof deck and helps tie the rafters together.

Q

R

R-Value

R-Value

This is a number that tells you how well insulation stops heat from moving through your walls and attic. A higher number means the material provides better protection against cold winters and hot summers.

Raceway

Raceway

This is an enclosed metal or plastic channel that protects and hides electrical wires running along a wall. You will often see it used in older homes or garages where wires cannot be hidden inside the drywall.

Rebar

Rebar

Rebar is a steel rod covered in ridges that builders place inside wet concrete. It adds strength to your foundation, driveway, or patio so the concrete doesn't crack under pressure.

Reciprocating Saw

Reciprocating Saw

This is a powerful handheld power tool that uses a push and pull motion to cut through tough materials. You will see contractors use it to quickly slice through wood, metal pipes, and nails during demolition.

Refrigerant

Refrigerant

Refrigerant is the chemical fluid that flows through your air conditioner or heat pump. It absorbs heat from inside your house and carries it outside to cool the air.

Register

Register

A register is the metal or plastic grille that covers the air vents in your floors, walls, or ceilings. It has moving louvers that let you point the air in different directions or shut it off completely.

Replacement Cost

Replacement Cost

Replacement cost is a type of home insurance coverage that pays to rebuild your home with brand new materials. It doesn't subtract money for how old or worn out your old roof was.

Retaining Wall

Retaining Wall

A sturdy outdoor wall built to hold back soil and stop dirt from sliding down a slope. Landscapers build them from concrete blocks, stones, or thick timber.

Return Duct

Return Duct

This is a large metal or fiberglass tube that pulls stale air out of your rooms. It carries that old air back to your furnace or air conditioner to be heated or cooled again.

Rider

Rider

An extra document added to your standard home insurance policy to cover specific valuable items. You might buy one to protect expensive jewelry, fine art, or high end electronics.

Ridge Vent

Ridge Vent

A ridge vent is a long opening built into the very top peak of your roof. It lets hot, moist air escape from your attic to prevent mold and roof damage.

Rim Joist

Rim Joist

A rim joist is the outer wooden board that forms the box around your floor frame. It sits flat on the foundation and caps the ends of all the other floor joists.

Riser

Riser

The vertical board placed at the back of a stair step that connects one step to the next. It closes the gap so your foot doesn't slip through the back of the stairs.

Roof Boot

Roof Boot

This is a special rubber or metal flashing piece that fits tightly around plumbing vent pipes sticking out of your roof. It seals the gap between the pipe and the shingles so rainwater cannot leak into your attic.

Roof Deck

Roof Deck

This is the solid wooden base of your roof that sits right on top of the structural trusses. Roofers nail large sheets of plywood or wooden boards across the frame to create a flat surface.

Root Barrier

Root Barrier

This is a thick plastic wall buried in the ground near trees or large bushes. It forces tree roots to grow straight down instead of spreading outward.

S

Saddle Valve

Saddle Valve

A small plumbing valve that clamps onto an existing copper water pipe to create a new water line. You tighten a sharp metal pin that pierces the pipe to let water flow to a refrigerator ice maker or water filter.

Scupper

Scupper

This is a drainage hole built directly into the raised edge of a flat roof. It allows heavy rainwater to pour off the roof and into a downspout or away from the building.

SEER Rating

SEER Rating

This stands for Seasonal Energy Efficiency Ratio. It tells you how much cooling your air conditioner gives you for every dollar of electricity it uses.

Septic Tank

Septic Tank

A large underground container that treats wastewater from your home if you are not connected to a city sewer. It separates solid waste from liquids and slowly releases the clean liquid into your yard.

Service Drop

Service Drop

The bundle of overhead electrical wires that connect the power pole on the street to your house. These wires carry all the electricity your home needs to run.

Service Mast

Service Mast

A service mast is the tall metal pipe on the outside of your roof or exterior wall. It protects the main power wires coming from the street into your electrical panel.

Setback

Setback

A local zoning rule that dictates how far your house must be from the property line or the street. This invisible boundary keeps homes from being built too close to sidewalks or neighbors.

Sheathing

Sheathing

The layer of wood boards or panels attached to the outside frame of your house. It covers the bare wall studs and roof rafters to make your home rigid and strong.

Short Sale

Short Sale

This happens when a home is sold for less money than the owner still owes on their mortgage. The bank must agree to take the lower amount and forgive the rest of the debt.

Sill Plate

Sill Plate

This is the very bottom piece of wood in your home framing. It sits completely flat on top of your concrete foundation wall.

Sistering

Sistering

This is a framing repair where you attach a new piece of lumber directly alongside an old or damaged piece. You bolt or nail the two boards together to create a single strong support.

Skylight

Skylight

This is a window built directly into your roof to let natural sunlight into your home. They are great for brightening up dark hallways or bathrooms that lack wall space.

Slab Foundation

Slab Foundation

This is a solid pad of concrete poured directly onto the ground to support a house. Homes built this way do not have a basement or a crawlspace underneath them.

Snubber Ring

Snubber Ring

This is a heavy rubber or plastic pad that supports the washing machine tub. It absorbs the wild vibrations when your washer spins wet clothes at high speeds.

Sod

Sod

Sod is pre grown grass that comes attached to a thin layer of soil and roots. Landscapers roll it out like a carpet to give you an instant green lawn.

Soffit

Soffit

A soffit is the exposed underside of an architectural feature on your house. You'll most often see it as the flat area under the roof eaves that connects the roof overhang to the side of the house.

Solar Array

Solar Array

This is a complete group of solar panels wired together to generate electricity for a home. It functions as a single power producing unit on your roof or in your yard.

Solar Optimizer

Solar Optimizer

This small device attaches to the back of a single solar panel. It adjusts the electrical output of that specific panel to make it run efficiently.

Solar Tracker

Solar Tracker

This is a mechanical mount that tilts your solar panels to follow the sun as it moves across the sky. Sensors tell small motors to adjust the angle of the panels from morning until evening.

Solder

Solder

This is a soft metal alloy that plumbers melt to join copper water pipes together. You heat the copper pipe with a torch and touch this metal wire to the joint where it melts and seals the connection.

Speed Square

Speed Square

This is a small metal triangle that carpenters use to mark straight lines and angles on wood. It has a lip on one edge so you can hook it quickly against a board.

Sprinkler Head

Sprinkler Head

This is the part of your lawn irrigation system that rises up and sprays water. It connects to underground pipes and uses water pressure to push above the grass.

Square Footage

Square Footage

This is the total floor area of your home calculated by multiplying the length of each room by its width. Real estate agents use this number to determine the market value of your house.

Square Yard

Square Yard

This is a unit of area equal to a patch that is three feet long and three feet wide. Homeowners usually see this measurement when buying carpet or ordering landscaping materials.

Stem Wall

Stem Wall

This short concrete or masonry wall connects your underground foundation footing to the wooden frame of your house. It lifts the wood above the dirt to protect it from moisture and bugs.

Step Flashing

Step Flashing

These are small L shaped pieces of metal used where your roof meets a wall or a chimney. Roofers weave one piece of metal over each shingle and under the siding.

String Inverter

String Inverter

A string inverter is a large box that connects to a whole row of solar panels on your roof. It changes the direct current electricity from the sun into alternating current that your home can use.

Stringer

Stringer

The heavy, angled wooden boards that support the steps of a staircase. Builders cut zigzag notches into these boards to hold the flat parts where you step.

Stucco

Stucco

This is a durable exterior finish made of cement, sand, and water. Contractors apply it wet over a wire mesh base on the outside walls of a house.

Stud Finder

Stud Finder

This is a small hand tool that locates the hidden wooden framing boards behind your finished walls. It beeps or lights up when you slide it over a board.

Subfloor

Subfloor

The thick bottom layer of flooring that rests directly on your wooden floor joists. It provides a flat and sturdy base for your carpet, tile, or hardwood floors.

Subpanel

Subpanel

This is a smaller electrical box that gets its power from your main breaker panel. You might install one in your garage or an addition to control the electricity for that specific area.

Subrogation

Subrogation

This is a process where your insurance company pays for your home repairs and then goes after the person who caused the damage. For example, if a neighbor's tree falls on your roof, your insurer pays you first.

Sump Basin

Sump Basin

This is a large plastic or concrete pit dug into your basement floor to collect groundwater. As water builds up under your foundation, it flows into this hole instead of flooding your floor.

Sump Pump

Sump Pump

This is a motorized pump that sits in a hole in your basement floor. It automatically sucks up groundwater that leaks in and pumps it safely outside your house.

Supply Line

Supply Line

This is the small flexible hose that brings clean water from your wall pipe to a sink, toilet, or appliance. It usually has a braided metal or plastic cover to prevent it from bursting.

Surge Protector

Surge Protector

This is an electrical device that defends your home electronics from sudden spikes in power. You can buy small ones that look like power strips, or an electrician can install a large one right at your main electrical panel.

Swale

Swale

A shallow and wide ditch in your yard that directs rainwater safely away from your foundation. It is usually covered in grass so it blends in with your lawn.

T

Tailpiece

Tailpiece

This is the straight pipe that drops down from your sink drain. It connects the sink basket to the curved trap below.

Thermocouple

Thermocouple

A small safety sensor found near the pilot light of your gas water heater or furnace. It detects if the flame is burning and shuts off the gas supply if the flame goes out.

Thermostatic Expansion Valve

Thermostatic Expansion Valve

This brass part sits near the indoor coil of your air conditioner. It controls exactly how much cold liquid refrigerant sprays into the coil.

Thinset

Thinset

Thinset is a type of sticky cement used to attach heavy floor and wall tiles to a surface. You spread it on the floor with a notched trowel before pressing the tile into place.

Thread Seal Tape

Thread Seal Tape

A thin, white, non sticky tape used to seal the grooves on metal or plastic plumbing pipes. You wrap it tightly around the threaded end of a pipe before screwing on a fitting.

Three-Way Switch

Three-Way Switch

This type of wall switch lets you control a single light from two different locations. You usually find them at the top and bottom of a staircase or at both ends of a long hallway.

Title

Title

A title is a legal concept that proves you are the true owner of your home. It isn't a single piece of paper, but a history of ownership recorded by your local government.

Tons of Cooling

Tons of Cooling

A measurement used to describe the cooling power of a home air conditioning system. A single ton means the air conditioner can remove enough heat to melt 2000 pounds of ice in one day.

Topsoil

Topsoil

This is the nutrient rich upper layer of dirt in your yard where grass and plants grow best. It is usually very dark and holds a lot of organic matter and moisture.

TPR Valve

TPR Valve

This stands for temperature and pressure relief valve. It is a vital brass safety spout on your water heater that opens up if the water gets too hot or builds up too much pressure.

Transfer Switch

Transfer Switch

An electrical panel that safely disconnects your house from the utility grid and connects it to a backup generator. It prevents your generator from sending dangerous electricity backward into the power lines where it could shock line workers.

Transformer

Transformer

This electrical device changes the voltage of electricity running through a circuit. In a home, a small one steps down the 120 volt power to a lower voltage for things like doorbells or smart thermostats.

Trap Primer

Trap Primer

This plumbing device squirts a small amount of water into a floor drain to keep the water seal full. You usually find it connected to a cold water pipe near your basement floor drain.

Trellis

Trellis

This is a wooden or metal frame built to support climbing plants in your garden. You place them against walls or fences so vines and roses have something to grab onto.

Truss

Truss

A strong wooden framework made of triangles that supports your roof. Factories build these frames ahead of time and ship them to the construction site.

Turbine Vent

Turbine Vent

This is a dome shaped metal vent on your roof that has spinning fins. When the wind blows, the fins spin and pull hot, stale air out of your attic.

U

V

W

Water Hammer Arrestor

Water Hammer Arrestor

A small device on your plumbing lines that absorbs the shock of fast closing valves. It stops the loud banging noise you hear when your washing machine or dishwasher shuts off the water.

Water Inlet Valve

Water Inlet Valve

This electrical part connects your home water pipes to your washing machine or refrigerator. When your appliance needs water, it sends an electrical signal to open the valve.

Wattage

Wattage

This is the measure of how much electrical power a device uses to do its job. A higher number means the device uses more electricity and usually produces more heat or light.

Wax Ring

Wax Ring

This is a thick circle of sticky wax that sits between the bottom of your toilet and the bathroom floor. It creates a watertight seal so nasty sewer gases and toilet water don't leak into your house.

Weatherhead

Weatherhead

This rounded waterproof cap sits at the very top of the electrical pipe on the outside of your roof. It covers the wires coming from the utility pole before they enter your home.

Weatherstripping

Weatherstripping

Weatherstripping is the foam, rubber, or metal seal placed around the edges of doors and windows. It crushes tight when you close the door to block cold drafts and keep bugs out.

Weep Hole

Weep Hole

A weep hole is a small gap left at the bottom of a brick wall or window frame. It allows trapped water to escape so it doesn't rot the wood framing behind the brick.

Wire Gauge

Wire Gauge

This is a standard measurement that tells you how thick an electrical wire is. A smaller number means the wire is thicker and can safely carry more power.

Wire Nut

Wire Nut

A wire nut is a small plastic cap used to safely connect two or more electrical wires together. You twist it onto the bare ends of the wires to hold them tight and cover the exposed metal.

Wire Stripper

Wire Stripper

A wire stripper is a hand tool that looks like a pair of pliers with small holes in the jaws. Electricians use it to cut and remove the plastic coating from electrical wires without damaging the metal inside.

X

Z