Nearly all of Florida's residential exteriors are constructed using one of two structural procedures. 1 method is engineered frame timber structure and another procedure is concrete block structure or CMU structure (short for concrete masonry unit)

The Building Process.

Throughout the plan of getting your house built it will come across a series of measures which will change before your eyes. Below is a simplified step procedure.

Building bulk prep and foundation

Tough HVAC, electrical and plumbing

Install insulation

Drywall and painting interior

Stucco, painting and concrete drives out

Install floors, countertops and cabinets

End trimming, plumbing, light

Why New Construction?

Many homeowners' dream of a recently constructed home constructed by a local house builder due to all of the wonderful choices that it provides. To off your new building home could be designed exactly the way you need it. This permits you to select the floor plan and space design including sizes to match precisely how you would like to call home. When finished you'll get that new house feel in which you are the very first person to hang an image or the odor of freshly developed home construction materials. There are many more reasons to construct a new building home particularly when the cost is very similar to an older residence.

In today's modern time of development and manufacturing you will become improved low maintenance construction materials that may endure for a lifetime. You then have the security element of the new structure using more innovative engineered and layout procedures. Below is a Brief list of exactly many related items Which You Can read in detail about within our Construction Resource library.

  • Maintenance Free Building Products
  • Homeownership Price Savings with new building
  • Decrease Your Insurance statements
  • Decrease Your utility bills
  • Zero Energy Homes
  • New Construction Better Floor plan Designs

And a Whole Lot More!

How much time does it take to construct a house?

Generally discussing the procedure to construct never begins until the construction permit is issued. This means that the house builder is now able to proceed. This really is a two part issue, Pre-construction and real construction.

Pre-Construction record of things and projected time frames which the builder has no management of:

  • Selecting a Home plan. 15 Times
  • Times. 30 Times.
  • Bank / optimally reviewing finished strategy and approving loan. 45 Times.

Actual Construction job is recorded below in the Construction Process department but the total time period often can vary from 12 weeks to 18 weeks. Based on climate, house design and construction systems it's likely to compete a well-built house in 6 to 9 weeks. Among the greatest reasons for longer period lines is the construction inspection procedure; unlike many nations Florida has a rather in depth inspection list. This can be to your gains as in certain countries they may have just four testimonials for your comprehensive house which could allow inferior workmanship never to be viewed. In Florida it is not unusual to get twenty five or more testimonials. The lengthen time period comes when a contractor needs to pack up his occupation and wait to return to complete following the local construction contractor has an opportunity to reassess his tight work. Only 1 example may be the drywaller should get a twist inspection before beginning to mud the drywall joints.

Designing your ideal new construction home.

When you are designing your dream house a house builder might provide you a choice to sit with an builder or decide on a stock home plan. Regardless of your decision you pay for this. When sitting together with the architect you may often observe the general home price increase three million or more to pay only this procedure. What's more, the architect's most important aim is building you exactly what you need not keeping you . Since architects aren't house builder they have no idea the precise price of all of the things you request this in no time that your construction cost could greatly improve. For instance shifting an exterior wall " outside so that you may repair your idea bedroom dimensions can cost you ten million or longer because timber is sold in 2 feet and that 4" only beyond another sized timber. A builder can perform anything on paper but if you'd like a valued engineered strategy leave this up to the house builder to work right with the architect in order that they can discuss structural problem together and make a value engineered layout.

In case your new building home layout takes you down a stock home plan route no worries you will still have hundreds of options to make. Matters like forms of interior and exterior finishes, system updates, enlarging square footage of dwelling and a lot more.

Check Out These Tips About Roofs Before You Buy A Home

What You Should Know About Roofs Before You Buy A Home Insurance carriers may deny a policy based on the age of the roof. If it is insurable, you may have to replace it sooner than you expected. Your policy will most likely be written for Actual Cash Value rather than Replacement Value. Unless you […]

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What You Should Know About Roofs Before You Buy A Home Insurance carriers may deny a policy based on the age of the roof. If it is insurable, you may have to replace it sooner than you expected. Your policy will most likely be written for Actual Cash Value rather than Replacement Value. Unless you […]

The post Check Out These Tips About Roofs Before You Buy A Home appeared first on Property360.

What You Should Know About Roofs Before You Buy A Home


  • Insurance carriers may deny a policy based on the age of the roof.
  • If it is insurable, you may have to replace it sooner than you expected.
  • Your policy will most likely be written for Actual Cash Value rather than Replacement Value.
  • Unless you are willing to pay a hefty premium for a Replacement Cost Value addendum, the days of getting a new roof due to a storm are over. You may also have to pay extra to get “color matching” for shingle/tile replacement in repairs.

While a home inspector is tasked with determining if the roof is satisfactory or near the end of useful life expectancy, that does not mean a roof, in good condition, will be insurable. Insurance carriers arbitrarily change the underwriting guidelines to reflect their exposure and re-insurance requirements.

You can’t rely upon information provided by a seller concerning the age of the roof. Statistically, sellers believe their roof is newer than it really is. Sellers may have bought the home not understanding the real age of the roof.


Insurance Carriers Requirements

Insurance carriers want to see building permits to determine the actual age of a roof. When a permit is not recorded or available, the carrier will often require an independent inspection and these inspections are often unfavorable as they are designed to protect the carrier. Small issues may result in a policy denial.

Roof replacement is expensive and therefore it is common for homeowners to rely upon a storm damage claim to get a roof replacement. It is not hard to understand the inequity in that to insurance carriers and all homeowners who have to share in these costs by paying increased premiums.

Currently, insurance carriers are denying coverage on roofs based on age and condition. Poor condition will result in a denial regardless of age. Using age alone, the general guideline for denial looks like this:

Type of Roof Covering Denial Typical Manufacturer’s Life Expectancy
3-tab asphalt shingle Over 10 years old 20-25 years
Architectural shingle Over 15 years old 30-50 years
Metal roof Over 20 years 20-40 years
Tile/slate roof Over 25 years old 50 years
Tar/gravel Requires underwriting decision No rating
Membrane Over 20 years old 30-40 years
Wood shake Over 10 years old No rating
Other Requires underwriting decision No rating

Currently, insurance carriers do not appear to give credit for higher rated asphalt or metal roof materials so a premium shingle or metal roof would not be an asset in obtaining coverage. Carriers simply do not care.

Many home inspectors research building permits online, but not all. If your home inspector did not, you should contact the local building department to get as much information as possible. Sometimes, roofs were replaced without building permits and you should understand this is a black flag for insurance carriers as they have no way of knowing if the roof was installed per building code. Often, carriers will refuse to accept the roof even with documentation.

Many insurance carriers will issue a policy based on the information provided during the application, but they reserve the right to re-inspect the roof later; often within the first 60 days. Should their inspection reveal issues or concerns, they have the right to demand you replace the roof or cancel the policy. Finding you have 30 days to replace a roof after closing is rarely welcome news. You may not have the resources to do so and in that case, you may be forced into a risk pool underwritten by your mortgage company and these fees are often 5-6 times what you are presently paying. Your monthly mortgage payment could increase hundreds of dollars. You may also be forced into accepting a high interest loan offered through the roofing company. Neither situation is good for you.


How Can a Homebuyer Avoid This?

First, you should hire an experienced home inspector who will research building permits and alert you of any problems found.

Second, you should order a Wind Mitigation report and submit it to your insurance agent for review. Make the agent explain what risks you have regarding the age of the roof. Is it currently insurable? If so, when should I expect the carrier will demand a replacement? If replacement will be required in the short term, say less than five years, obtain an estimate for replacement so you know how to budget accordingly.

Third, recognize the value of the home is diminished by an uninsurable roof or one which is considered obsolete or near obsolete by an insurance carrier. You may have to pay to replace the roof and you should factor that into your purchase price. In today’s sellers market where we have low inventory and heavy competition amongst buyers, sellers are reluctant to upgrade roofs; they figure that is your problem. Real estate comparables, including mortgage appraisers, rarely consider roof replacement in their analysis so you should ask yourself if the home will be worth the asking price with the cost of a new roof added on.

Fourth, the cost to replace the roof will most likely be way more than you expected. A simple roof on an average ranch style home can cost $10,000 to $12,000. Two-story, large, complex roofs can easily cost $30,000 or more.

Fifth, understand the insurance agent or the carrier will not provide any guarantee against future coverage. If you are buying a home with a roof over ten years old, you are at risk of losing coverage. It’s not fair but it is what you will have to deal with.


How Property360 Can Help

The best advice is to obtain as much information as possible before you request a showing. Tell your agent you want to know the exact age of the roof and verify the information with the local building department. If no permit is on file, you may want to consider other homes if the seller is not willing to replace the roof.

Contact the professionals of Property360 today at (904) 503-9808 for any questions or to request your inspection.

The post Check Out These Tips About Roofs Before You Buy A Home appeared first on Property360.


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