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The Importance Of Insurance When You Build A House

It does not take much of an injury nowadaysThe permit is not difficult to get if your
to be worth a lawsuit of $10,000 and a reallyplans are complete and meet certain minimum
serious injury can well cost an ownerrequirements.
$100,000  or  more.
Before you complete your plans, you should
The cost of insurance is a small drop in thesecure from the building department a little
ocean  compared  to  this.booklet or a folder of typewritten sheets
giving the building requirements in your
Juries are inclined to be very sympatheticdistrict.
toward an accident victim and to be rather
liberal with the money of the insuranceThen you can draw your plans so that they
companies. As they are not allowed to be toldgive  the  necessary  information.
whether you are insured or not, they assume
that you are carrying insurance. Be safe andThe  usual  requirements  include:
carry  the  necessary  legal  protection.
Floor plan showing all dimensions, plumbing
In some places a department of the statefixtures, light fixtures, window and door
handles all the workmen's compensationsizes,  and  the  use  of  each  room.
insurance; in others, private insurance
companies may operate in the compensationFoundation plan showing size of foundation
field.and  footings.
Find out and be legally protected against allRoof plan showing hips, valleys, and slope of
lawsuits arising from accidents or incidentsroof,  and  the  kind  of  roofing  material.
of  your  building  operations.
At least two elevations, the front and one
The cost of compensation insurance for theend. Cross section showing how to house is to
entire job probably wouldn't be more than $40be  built.
or  $50, and it doesn't pay to take a chance.
Plot plan showing how far the house is to be
Contractors and sub-contractors are supposedfrom the street, the distance from the lot
to carry their own compensation insurance,lines on the sides, the sewer lines, the
but it is well to inquire into it before youseptic tank in case there is no sewer, where
let them start to work, as you are liable forthe water pipe comes in, where the gas meter
anything  that  happens  on  your  job.is located, and where the electric service
enters  the  building.
If they do not carry the proper insurance,
then you should carry it, or not hire them;If you have a little time but not much money,
find  someone  who  is  properly  insured.then you will have to build the house instead
of  paying  someone  else  to  do  it.
Building  Permit
It is a good idea to use a mortgage
Most cities and many counties require thatcalculator when you use a mortgage to buy
you  get  a permit before you start building.your  house.
You will furnish the licensing agency twoA percentage point does not look much but it
complete copies of the plans andis surprising how it can make a big
specifications, when you apply for thedifference to your total outlay over 25
permit.years.



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