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home insurance

  • 24-05-2006 8:52pm
    #1
    Dirk Gently
    Closed Accounts Posts: 4,784 ✭✭✭


    Anybody know if it is harder to get insurance for a new build timber frame home and would the cost of insurance be higher than for a brick/ concrete home.


Comments

  • #2
    muffler
    Registered Users, Registered Users 2 Posts: 46,545 ✭✭✭✭muffler


    Damn good question. Dont know the answer to that but I would be most interested in finding out more about it


  • #3
    Dirk Gently
    Closed Accounts Posts: 4,784 ✭✭✭Dirk Gently


    Yeah, I'm looking to build a home in my parents garden, done up the plans myself and got some quotes from block builders which were all on the high side.
    The same set of plans with a timber frame construction works out cheaper and I'm pretty much convinced that timber frame is better insulated too, plus the speed the houses go up is amazing so timber frame looks like it has all the advantages. Just the insurance question to worry about now.

    As far as I know their is no greater risk of fire in a timber framed home because of the use of fire resistant materials and was just wondering how the insurance companies look at them as regards cost of insurance. If anything I reckon it should be cheaper because all the material is made under factory conditions and transported to site so there is less likely hood of defective workmanship which you might get building on site from scratch. I have a horrible feeling that the opposite is true though and that I might find it harder and more expensive to get insurance as timber framed homes are fairly new to the Irish market and a cautious approach might be taken by the insurance companies.


  • #4
    muffler
    Registered Users, Registered Users 2 Posts: 46,545 ✭✭✭✭muffler


    There was a fair bit of discussion here about the pros and cons of timber framed houses.


  • #5
    Dirk Gently
    Closed Accounts Posts: 4,784 ✭✭✭Dirk Gently


    yeah, I've kept up to date on the discussions on timber framed homes over in DIY and after researching myself am not worried about the quality of the product. I done architecure in college and am happy enough after having a look at the technical specs on the timber framed homes. I believe it has more advantages over concrete, depending on wall construction and insulating techniques used.

    Its really just insurance I'm not sure about. Would be interested to hear from anyone who owns a Timber framed home or anyone with knowledge of the insurance industry. Is there a lack of confidence in this realitivly new product on the Irish market or have the insurance companies done their homework and looked at how the product has preformed in other countries such as in scandinavia. Lack of convidence would indicate higher prices, a rational sober study of the product would indicate a lower price. I don't want to end up paying a fortune for insurance and getting very limited cover should anything happen.


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