Re: foundation and wooden frame
Some more from another thread.
Will be doing the same myself in about 1 year.
Was at a homebuild expo recently and met a specialist insurer who quoted about 3-4000 Euro for insurance up to 18months (I think).
Seem a bit high to me, so I lost interest fairly quickly.
I hear that FBD does a Public Liability insurance.
Most people I've asked about the topic have advised me to make sure all sub-contractors and tradesman have their own insurance, and that they give you a copy before you let any of them on site.
I could be totally wrong, I haven't crossed this bridge yet ? Keep asking around....
I think that 3 or 4 Thousand is very steep..
Will you post back if you find out more ?
Regards,
FDH
MichaelL
Frequent poster
Posts: 136
(17/9/04 10:41 am)
Reply | Edit | Del         more to it than that FDH,
It is not only the sub-contractors and tradesmans that you need to worry about regarding insurance.
If some member of the public gets injured on your site (even if they are trepassing) and you have no Public Liability insurance, I am afraid you will be taken to the cleaners.
FDH
Unregistered User
(17/9/04 10:56 am)
Reply | Edit | Del         MichaelL I totally agree, thats why I'm saying to check out Public Liability Insurance through FBD.
The quote of 3-4 k was through a specialist Broaker/insurer (cant remember name offhand), and included many extras like theft of materials on site etc..
You can never be too careful. All I'm trying to say is that there are certain way in which you can reduce the risk of getting burned, without having to fork out close to 5k depending on the size of your house.
1. Public Liability.
2. Ensure all sub-Contractors/ Tradesmen have their own insurance.
3. ensure Site safety - Fencing, signs, hardhats etc.
To be honest most tradesmen I've come across, are quiet good, tis as you said, the tresspassers and unforseen accidents that one has to worry about.
Has anyone else out there completed a self-Build ?
How did you manage Insurance for the build ?
FDH.
kfpg
Unregistered User
(17/9/04 5:35 pm)
Reply | Edit | Del         Self Build Insurance There have been a number of long threads on this topic in the past. Perhaps one of the moderators can link them here to save repetition.
In essence accidents can and do (perhaps will) happen.
(2 quick and recent examples I know of, wind blew pile of slates over and knocked roofer to the ground - broken arm only - delivery lorry reversed into block wall of house - luckily minor damage only).
I did purchase self build insurance and yes it was 3000+ but how do you legislate for Murphy's Law and justify a dangerous occupation such as buildig without having comprehensive insurance??