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Lance in Buena Vista, CO0.002

At some point I am going to collect my thoughts and really go in to detail about my experience building. I will say this forum was beyond helpful and a great reliever of stress. I will start in reverse and post some of the finished pictures and over time really break it down and cover the whole process!!
Bryan in Reynoldsburg, OH

Try one of our new Construction Bargain Strategies for free. Coupon code: CBS. One strategy could save you $1,000 or $10,000 or maybe $50,000 when you build or remodel.


    3-13. Get your insurance valuation down. - Electronic Edition

    3-13. Get your insurance valuation down. - Electronic Edition
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     Here’s another stream of outgo that often goes overlooked: your homeowner’s insurance premiums. The premiums are set each year according to a very conservative index of what similar homes to yours cost. Your premiums are based on an imputed valuation of similar homes, though they may be at very inflated prices.

     You can get your valuation down. It won’t cut the amount they have to pay if your home is destroyed, if you have replacement value coverage. They have to replace it. But they calculate the cost of a home with all the trimmings, such as land, which doesn’t have to be replaced if the house is destroyed, and concrete work and landscaping, which are likewise almost never replaced if your home is destroyed.

     I was able to get my insurance company to reduce the valuation of my home by a third. They wanted an appraisal of the house, so I gave them the revised house valuation from our county after I appealed my property taxes and succeeded in reducing the county’s valuation. This cut my premiums by one third or $200 a year.

     •See what evidence it will take for your insurer to reduce your house valuation and gather it up for your adjustment.

     •Make sure the fine print in your policy doesn’t prevent you from getting full replacement cost in the event of disaster, even if a contractor is used to rebuild.

     •Note that if you are selling or borrowing against an appraisal, you angle for a higher one, but for insurance and tax purposes you save money by angling for a lower one.

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