NEW home BUILD UNDER CONSTRUCTION FLOOR ROTTED
gerard g
2 years ago
last modified: 2 years ago
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millworkman
2 years agoRelated Discussions
insurance while building is under construction?
Comments (25)Wow, quite a diversity of experiences reported here. This makes sense to me: no conventional appraisal required because "the value of what's going up is constantly changing," but then I wonder how the insurance company decides how much insurance to sell you and what to charge for it. The value of what is on site changes with every wood delivery, and every day the plumber shows up and puts in another day of work. So even though I sort of understand what goes into a conventional appraisal, this still seems different to me. We have the final construction amount the architect estimated to go along with the permit application, and then at any point, we know how much we've spent on labor and materials, but I don't know how the insurance company would use that info. It seems that the cost for "replacement" of a destroyed or damaged structure would be different from "market value" which is what a bank would want to know for lending purposes. But perhaps I over-think! For what it's worth, the house is in a remote, but not inexpensive area (a ferry-served island). Comps are always hard to do there since inventory is always low and prices range from sort-of-low (200Ks for a lot with a shack) to insanely expensive (many millions) with no two alike. The two extremes may not be far apart in terms of distance, but the high end will be waterfront. So "neighborhood" is hard to pin down. The population is small and most people do not lock their cars or houses routinely (not sure I'll get to that point after so many years of urban life, though). We are doing every thing with permits and qualified subs and GC, no DIY other than simple stuff. (I don't know if any of that matters for my question on the insurance process, but some readers seemed to assume we were doing something funky, owner-builder, long time-frame, and in a rural area that might be inexpensive and/or crime-prone.) We'll see what response we can get out of State Farm on Monday-- even Mr Overly Patient has had enough of the "no response" routine. Will let you know how it turns out....See MoreBring your Opinions! - About to build a new construction home...
Comments (32)Lastly let's talk about the light or the lack of light. Since you said you're on the water, I'm assuming you're either facing east or west which is the worst direction you can face. With the exception of early morning (if the rear is east facing) or late afternoon (if the rear is west facing) you won't have much light entering the house. If your house were designed more to be an L shaped house, you could have your fabulous views and also get great southern light into the house to help not only keep the house light and bright all day but to also help with passive solar heating and cooling. Passive solar heating and cooling is what keeps the utility bills down. As for storage, I hear you since I'm in FL too. However do you really need 4 bedrooms and a study? Wouldn't it be better to have a house that conforms to your needs? For example, when we were figuring out our needs (we're a retired couple with a dog and sometime visitors), we decided to combine rooms to do multiple purposes. We wanted good entertaining space so our largest space is our kitchen/dining/living area. DH wanted an office that no one would use so he has his facing the rear and side of the house. I needed an art studio. My art studio can also double as a third bedroom since it will have a pull out couch. Our guest bedroom also doubles as our exercise room. We can do that by installing a murphy bed so when we don't have guests we can use the room to exercise. We managed to put our laundry downstairs by our bedroom which means we don't have to carry laundry across the house like you have to in yours, yet it's still only about 20 steps from the kitchen. I'd rather walk across my living room to change laundry than carry laundry across the house. And we decided we only need 2 1/2 baths. Master bath of course plus a powder room downstairs and upstairs is a bath for my studio/bedroom and the exercise room/bedroom. Our house is filled with light and is oriented north/south to get the best passive solar heating and cooling. My point being, design a house for the way you live and not for a generic builder family. If you do, there's a good chance you'll wind up saving money because you won't be putting on an over blown roof that costs extra and you won't be designing a house with rooms you don't need and extra bathrooms to clean....See More***Need help/advice with new home under construction***
Comments (15)Hi- Sorry you are in such a pickle. I would try to get out of the pickle jar even if it costs you money, because as pointed out before, this is the first in a long line of no's. Subdivisions are for yesmen and yeswomen, not for people who like to have it their way. But if you are stuck, how much floor plan changing can you do? What do you think of this idea? Enlarge the dining room by making it rectangular, with the long dimension extending toward the kitchen. Narrow the kitchen, giving that space to the family room. Get rid of the breakfast room altogether. You don't need it, eat in the dining room and let the kids learn to not wipe their hands on the good chairs. Change the shape of the kitchen to a long narrow one, like a galley kitchen which can be absolutely fabulous and very efficient, too. There is an article on galley kitchens on Houzz, and many others on the internet. You don't need seats at the counter, you'll be eating in the dining room, remember? In fact, you don't need an island at all, because your galley kitchen will be on as much of the four walls as possible with only an entry to the dining room and an entry to the family room. You can also narrow the entry to the family room so you can add cabinets for storage on those walls. You can add a pot rack on a wall or ceiling somewhere if no one plays for the NBA. When you figure it all out, if there is enough room, you can put in a little kneehole desk if you want, or a tiny cafe table with two chairs for a quick cuppa....See MoreNew Construction Homes - Home Building Options
Comments (23)Kristen we have built 4 houses, the first being a tract builder and could only choose from a few options. The others were totally custom where we provided plans to the builder who then gave us a estimate. Included in his estimate was a allowance for lighting, plumbing, appliances etc. We could choose from stores that he had accounts at which we would pay the “contractors” price. Or we could get them from anywhere we chose. When comparing, we found that the contractor’s price was not significantly higher than the big box stores. See Jeffrey Grenz’s comment above.... it was well worth it to go with our builders accounts....See Moregerard g
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2 years agoJeffrey R. Grenz, General Contractor
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