4 ms·
How much is insurance for a shack not built to code?
by jancsika 2y ago
How much is insurance for a shack not built to code?
- hedora 2y agoWhy not just self-insure with the money saved in construction? The max damages are $40K + hauling the old one to the dump.
- dingnuts 2y agothis doesn't take liability into account when the shack falls over on a visitor LMAO
- vundercind 2y agoIt’s really easy to build a shack that isn’t gonna just fall over one day, with no warning. Especially in a dry, warm area.
- bluGill 2y agoEven in a wet area, wood has the nice property that it usually (but not always) starts to feel unsafe long before it falls over and hurts someone. Unless there is a storm - tornado resistance is very hard and needs the best engineering (which code enforces)
- dingnuts 2y agoI was being a little facetious with my example; the point is that home insurance includes more than loss insurance for the cost of the actual structure This forum can't take a joke or read intent at ALL -- bunch of fucking stiffs "self insuring" a house that's not built to code is like driving a car without insurance because you finished paying it off. If someone is harmed by your property and you don't have accidental death and dismemberment liability insurance you are f. u. c. k. e. d. fucked.
- deleted 2y ago[deleted]
- beaeglebeachedd 2y agoIneligible for loans and uninsurable. Can't get certificate of occupancy, doesn't matter because not required for legal residence.
- ssl-3 2y agoThe city I grew up in has never adopted a residential building code. Beyond requiring a working septic system or sewer connection, it simply has never been a thing. Houses aren't falling over or catching on fire. Neighborhoods look like any other fairly prosperous area in the Midwest. Getting a mortgage and an insurance policy was not arduous or particularly expensive.