How in the world do houses get homeowners insurance while being remodeled????! Or under construction? Or are these fairly recent changes in the inurance industry?
To start with, my State Farm agent of almost 20 yrs refused to write me a policy when we first bought our new-old home. She said "Finish the remodeling and then we'll talk." So my realtor referred me to an independent agency, that signed me up...then 2 months later requested a photo of the house after we put the new roof on. We sent it to her, she sent it to the main company which promptly dropped us because it had T111 wood siding!!!!!!! Nice, they got 3 premium payments out of me. We were going to do the siding ummmm NEXT year AFTER the addition is built. The dingbat insurance lady didnt even know they made wood siding...she asked "is it weather resistant?" OMG. Apparantly she is used to $350,000 homes and not my little house.
Good grief i have T111 on my current home and it has been insured for the 8 1/2 yrs I've lived here, no problem.
So now we need to plan how to approach this, preferably with a different agent. Now there are alot of homes that i have seen that look like mine or slightly worse.....do these people all have to go without homeowners insurance? What to do what to do..........I am all for being self insured, but we just aren't there yet, and what worries me is the liabilty portion....what if we have someone working on the house and they get injured? Yeah that.