01-26-2008, 10:46 PM
Location: North Carolina
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Summering,
As an insurance agent by training (but not currently "practicing"), I know exactly what you are referring to. Most Homeowners insurance policies, in most states, do offer a specific endorsement be added (at a small premium, of course) which allows for increases in buiding costs under various circumstances.
But you are right, most home owners depend on their insurance agent to properly advise them on those unique situations... and sadly, a lot of agents do not practice that sort of due diligence anymore. Typically, that "additional" coverage only generates about $25 in premium a year, so you can guess an agent's commission on that small amount. I am by no means justifying the agents' lack of ethics, just stating what is quite common in the industry. And that applies to ANY state I personally have lived in and been licensed and employed in the insurance industry.
It IS a scary thought... and I for one do NOT think you are exaggerated the value of READING the fine print!
Mary
01-27-2008, 07:13 AM
Location: Sunshine N'Blue Skies
13,321 posts, read
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Reputation: 11696
Great information MaryCh.........
I think it is wise for everyone to remember this when they shop for their home insurance.
I wasn't sure they would insure for much more then the home was worth, or thereabouts.
But, if one can, as you state......then it would be worth every penny to ask.
Everytime I passed the empty lot, each year, I would be so sad for the person not able to rebuild on it. Its been a long time, I finally see markers........something will rise up now. Thank goodness.
01-27-2008, 07:26 AM
Location: North Carolina
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Reputation: 362
One of the biggest issues insurance agents encounter is explaining the difference between MARKET value and INSURANCE (otherwise known as construction) value. Essentially, as we all know, market value can be vastly different on the same structure, depending on the location. Whereas the insurance value brings in to play the actual cost to repair or replace (stick for stick, brick for brick) the structure. While insurance value CAN vary a bit based on location, it IS hard to pass on this concept to consumers AND mortgage lenders and make all parties happy.
This is one BIG reason that, for the 2 years we lived on Long Island many moons ago, I was NOT interested in working in the insurance industry. As NY'er know, real estate prices in NY are out there... because of the proximity to Manhattan. Definitely a different animal, so to speak. Even in NC, mortgage lenders got to where they dreaded the discussion with insurance folks in preparing for closings. And the closer to the water one purchased, the worse the conversations went.
The ones I am always concerned over are the folks that put a large down payment up for secondary properties, and in doing so, the sales/purchase price ends up under the radar in proper valuation. Those folks are more likely to get burned (no pun intended) if something happens to their investment.
Off my soapbox now...
Mary
01-29-2008, 07:39 AM
Location: Sunshine N'Blue Skies
13,321 posts, read
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Reputation: 11696
Also wondering if it is a modular. Lots of homes here down south are modular homes put up on piers. Some not on piers.
Say someone pays 200 or so for this home, can he insure it for well over that so he is not surprised if down the road something happens?......
The community wants him to put now up a 300,000 home. Insists on it.......
Also people should know about the "assessment' insurance.
If the community needs a new septic, or water lines.......everyone gets a bill.
There is coverage for that also, that is not costly. So if the big surprise comes along.....your covered. It can be thousands.
Interested in your wisdom on the modular homes, very common and harder to get insurance for.
01-29-2008, 09:56 PM
Location: North Carolina
903 posts, read
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Reputation: 362
The issue, from an insurance perspective, of modular and/or mobile (otherwise known as "manufactured" homes is the common theory that they depreciate like cars. Most people understand how a brand new car loses value almost the minute you drive it off the lot, and goes downhill from there. The same concept is applied to manufactured homes.
In more recent years, with regulations changing to close the gap on quality of construction for manufactured homes vs. site built homes, the insurance industry is slowly changing the way they look at "non-site built" structures. I thank federal construction regulations there, as HUD certifies a manufactured home by the same standards and code as site built.
The problem exists in underwriting guidelines from one insurance company to another, and is then compounded by the fact that insurance LAW varies greatly from one state to another. Our home in NC is a prime example of this.. we had a modular upgrade of a mobile home (double wide), on a permanent brick foundation, with all the HUD certifications, etc. The mortgage was a conventional 30 yr loan, and the same as what we would have had with a site built home. The first year we owned the house, we were able to carry homeowners insurance, at standard rates. When it was time to renew, the insurance company had "tightened" their U/W guidelines and re-rated our house as a mobile home. Legally, they were able to do that.
Also, for those folks looking at homes in a community with a Homeowners Association, there are 2 different things to consider. First, as you mentioned, the "loss assessment" coverage on their homeowners policy. Second, when perusing the HOA rules and regs, ASK to see a copy of the Association's policy. The assn should have by-laws, and carrying insurance as an association should be part of the bylaws. This is a fine detail that a lot of people pass over in the frenzy of purchasing the home.
I have known of several property owners, and homeowners associations that end up in court for years over conflicting interpretation of who is responsible for what. And not all mortgage lenders are savvy to all this!
And no, you can not purposely over insure property. Another reason why everyone should read through their policies at least once. Do not depend on an agent to know everything about your situation, as most agents in today's world consider it the policy holders' responsibility to themselves to know what they have.
Gotta run... sorry for stealing the thread and going off on a tanget. Hoefully, I helped you underand a bit more, summerling!
Mary
01-30-2008, 06:46 PM
Location: Magnolia
137 posts, read
313,926 times
Reputation: 170
Mary said:
<<Most people understand how a brand new car loses value almost the minute you drive it off the lot, and goes downhill from there. The same concept is applied to manufactured homes.>>
Whoa, back up a minute!
I knew that mobile homes depreciate the minute they are purchased and moved off the lot. Are you saying that will be true of the manufactured homes purchased and deposited in communities such as Summer Meadow? That is surely something to consider.
Hmmmmmm....
01-30-2008, 06:50 PM
Location: New Jersey/Florida
5,818 posts, read
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Reputation: 4414
How is the Dagsboro area in Sussex County for retiring. I was looking at a couple of different houses online. Thanks again JM.
01-31-2008, 06:44 AM
16,199 posts, read
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Reputation: 28859
Quote:
Originally Posted by
sanddollar
Mary said:
<<Most people understand how a brand new car loses value almost the minute you drive it off the lot, and goes downhill from there. The same concept is applied to manufactured homes.>>
Whoa, back up a minute!
I knew that mobile homes depreciate the minute they are purchased and moved off the lot. Are you saying that will be true of the manufactured homes purchased and deposited in communities such as Summer Meadow? That is surely something to consider.
Hmmmmmm....
Hi jonalyn.
that is what they say but if you notice, the resales go for more than they were purchase for so that tells me this is not true in 55+ communities.
We researched for 2 years before we moved looking for a cheaper resale. They all went for more than the new homes.
Now in your average mobile home park, this may be true. But not in the 55+ communities.
If anyone finds one that depreciates, let me know and I will buy it.
01-31-2008, 06:24 PM
Location: New Jersey/Florida
5,818 posts, read
12,634,512 times
Reputation: 4414
Quote:
Originally Posted by
JERSEY MAN
How is the Dagsboro area in Sussex County for retiring. I was looking at a couple of different houses online. Thanks again JM.
Ladies sorry to intervene. But I'm asking about Sussex County esp. Dagsboro, not about insurance. Sorry
. Spring is on the way.
02-01-2008, 06:57 AM
16,199 posts, read
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Reputation: 28859
Quote:
Originally Posted by
JERSEY MAN
Ladies sorry to intervene. But I'm asking about Sussex County esp. Dagsboro, not about insurance. Sorry
. Spring is on the way.
Oh right.............
I'm new to DE myself but Sussex is a nice county just a tad more expensive than Kent.
That is all I can tell you.
anyone else..........
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Housing units in structures - 1, detached (%)
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Housing units in structures - 2 (%)
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Housing units in structures - 10 to 19 (%)
Housing units in structures - 20 to 49 (%)
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Most Common Occupations - Sales and related occupations (%)
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Most Common Occupations - Construction and extraction occupations (%)
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Most Common Occupations - Production occupations (%)
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People in Group quarters - Local jails and other confinement facilities (including police lockups) (%)
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People in Group quarters - Hospitals/wards, hospices, and schools for the handicapped (%)
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People in Group quarters - Hospices or homes for chronically ill (%)
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People in Group quarters - Mental (Psychiatric) hospitals or wards (%)
People in Group quarters - Schools, hospitals, or wards for the mentally retarded (%)
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People in Group quarters - Institutions for the deaf (%)
People in Group quarters - Institutions for the blind (%)
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People in Group quarters - Training schools for juvenile delinquents (%)
People in Group quarters - Short-term care, detention or diagnostic centers for delinquent children (%)
People in Group quarters - Type of juvenile institution unknown (%)
People in Group quarters - Noninstitutionalized population (%)
People in Group quarters - College dormitories (includes college quarters off campus) (%)
People in Group quarters - Military quarters (%)
People in Group quarters - On base (%)
People in Group quarters - Barracks, unaccompanied personnel housing (UPH), (Enlisted/Officer), ;and similar group living quarters for military personnel (%)
People in Group quarters - Transient quarters for temporary residents (%)
People in Group quarters - Military ships (%)
People in Group quarters - Group homes (%)
People in Group quarters - Homes or halfway houses for drug/alcohol abuse (%)
People in Group quarters - Homes for the mentally ill (%)
People in Group quarters - Homes for the mentally retarded (%)
People in Group quarters - Homes for the physically handicapped (%)
People in Group quarters - Other group homes (%)
People in Group quarters - Religious group quarters (%)
People in Group quarters - Dormitories (%)
People in Group quarters - Agriculture workers' dormitories on farms (%)
People in Group quarters - Job Corps and vocational training facilities (%)
People in Group quarters - Other workers' dormitories (%)
People in Group quarters - Crews of maritime vessels (%)
People in Group quarters - Other nonhousehold living situations (%)
People in Group quarters - Other noninstitutional group quarters (%)
Residents speaking English at home (%)
Residents speaking English at home - Born in the United States (%)
Residents speaking English at home - Native, born elsewhere (%)
Residents speaking English at home - Foreign born (%)
Residents speaking Spanish at home (%)
Residents speaking Spanish at home - Born in the United States (%)
Residents speaking Spanish at home - Native, born elsewhere (%)
Residents speaking Spanish at home - Foreign born (%)
Residents speaking other language at home (%)
Residents speaking other language at home - Born in the United States (%)
Residents speaking other language at home - Native, born elsewhere (%)
Residents speaking other language at home - Foreign born (%)
Class of Workers - Employee of private company (%)
Class of Workers - Self-employed in own incorporated business (%)
Class of Workers - Private not-for-profit wage and salary workers (%)
Class of Workers - Local government workers (%)
Class of Workers - State government workers (%)
Class of Workers - Federal government workers (%)
Class of Workers - Self-employed workers in own not incorporated business and Unpaid family workers (%)
House heating fuel used in houses and condos - Utility gas (%)
House heating fuel used in houses and condos - Bottled, tank, or LP gas (%)
House heating fuel used in houses and condos - Electricity (%)
House heating fuel used in houses and condos - Fuel oil, kerosene, etc. (%)
House heating fuel used in houses and condos - Coal or coke (%)
House heating fuel used in houses and condos - Wood (%)
House heating fuel used in houses and condos - Solar energy (%)
House heating fuel used in houses and condos - Other fuel (%)
House heating fuel used in houses and condos - No fuel used (%)
House heating fuel used in apartments - Utility gas (%)
House heating fuel used in apartments - Bottled, tank, or LP gas (%)
House heating fuel used in apartments - Electricity (%)
House heating fuel used in apartments - Fuel oil, kerosene, etc. (%)
House heating fuel used in apartments - Coal or coke (%)
House heating fuel used in apartments - Wood (%)
House heating fuel used in apartments - Solar energy (%)
House heating fuel used in apartments - Other fuel (%)
House heating fuel used in apartments - No fuel used (%)
Armed forces status - In Armed Forces (%)
Armed forces status - Civilian (%)
Armed forces status - Civilian - Veteran (%)
Armed forces status - Civilian - Nonveteran (%)
Fatal accidents locations in years 2005-2021
Fatal accidents locations in 2005
Fatal accidents locations in 2006
Fatal accidents locations in 2007
Fatal accidents locations in 2008
Fatal accidents locations in 2009
Fatal accidents locations in 2010
Fatal accidents locations in 2011
Fatal accidents locations in 2012
Fatal accidents locations in 2013
Fatal accidents locations in 2014
Fatal accidents locations in 2015
Fatal accidents locations in 2016
Fatal accidents locations in 2017
Fatal accidents locations in 2018
Fatal accidents locations in 2019
Fatal accidents locations in 2020
Fatal accidents locations in 2021
Alcohol use - People drinking some alcohol every month (%)
Alcohol use - People not drinking at all (%)
Alcohol use - Average days/month drinking alcohol
Alcohol use - Average drinks/week
Alcohol use - Average days/year people drink much
Audiometry - Average condition of hearing (%)
Audiometry - People that can hear a whisper from across a quiet room (%)
Audiometry - People that can hear normal voice from across a quiet room (%)
Audiometry - Ears ringing, roaring, buzzing (%)
Audiometry - Had a job exposure to loud noise (%)
Audiometry - Had off-work exposure to loud noise (%)
Blood Pressure & Cholesterol - Has high blood pressure (%)
Blood Pressure & Cholesterol - Checking blood pressure at home (%)
Blood Pressure & Cholesterol - Frequently checking blood cholesterol (%)
Blood Pressure & Cholesterol - Has high cholesterol level (%)
Consumer Behavior - Money monthly spent on food at supermarket/grocery store
Consumer Behavior - Money monthly spent on food at other stores
Consumer Behavior - Money monthly spent on eating out
Consumer Behavior - Money monthly spent on carryout/delivered foods
Consumer Behavior - Income spent on food at supermarket/grocery store (%)
Consumer Behavior - Income spent on food at other stores (%)
Consumer Behavior - Income spent on eating out (%)
Consumer Behavior - Income spent on carryout/delivered foods (%)
Current Health Status - General health condition (%)
Current Health Status - Blood donors (%)
Current Health Status - Has blood ever tested for HIV virus (%)
Current Health Status - Left-handed people (%)
Dermatology - People using sunscreen (%)
Diabetes - Diabetics (%)
Diabetes - Had a blood test for high blood sugar (%)
Diabetes - People taking insulin (%)
Diet Behavior & Nutrition - Diet health (%)
Diet Behavior & Nutrition - Milk product consumption (# of products/month)
Diet Behavior & Nutrition - Meals not home prepared (#/week)
Diet Behavior & Nutrition - Meals from fast food or pizza place (#/week)
Diet Behavior & Nutrition - Ready-to-eat foods (#/month)
Diet Behavior & Nutrition - Frozen meals/pizza (#/month)
Drug Use - People that ever used marijuana or hashish (%)
Drug Use - Ever used hard drugs (%)
Drug Use - Ever used any form of cocaine (%)
Drug Use - Ever used heroin (%)
Drug Use - Ever used methamphetamine (%)
Health Insurance - People covered by health insurance (%)
Kidney Conditions-Urology - Avg. # of times urinating at night
Medical Conditions - People with asthma (%)
Medical Conditions - People with anemia (%)
Medical Conditions - People with psoriasis (%)
Medical Conditions - People with overweight (%)
Medical Conditions - Elderly people having difficulties in thinking or remembering (%)
Medical Conditions - People who ever received blood transfusion (%)
Medical Conditions - People having trouble seeing even with glass/contacts (%)
Medical Conditions - People with arthritis (%)
Medical Conditions - People with gout (%)
Medical Conditions - People with congestive heart failure (%)
Medical Conditions - People with coronary heart disease (%)
Medical Conditions - People with angina pectoris (%)
Medical Conditions - People who ever had heart attack (%)
Medical Conditions - People who ever had stroke (%)
Medical Conditions - People with emphysema (%)
Medical Conditions - People with thyroid problem (%)
Medical Conditions - People with chronic bronchitis (%)
Medical Conditions - People with any liver condition (%)
Medical Conditions - People who ever had cancer or malignancy (%)
Mental Health - People who have little interest in doing things (%)
Mental Health - People feeling down, depressed, or hopeless (%)
Mental Health - People who have trouble sleeping or sleeping too much (%)
Mental Health - People feeling tired or having little energy (%)
Mental Health - People with poor appetite or overeating (%)
Mental Health - People feeling bad about themself (%)
Mental Health - People who have trouble concentrating on things (%)
Mental Health - People moving or speaking slowly or too fast (%)
Mental Health - People having thoughts they would be better off dead (%)
Oral Health - Average years since last visit a dentist
Oral Health - People embarrassed because of mouth (%)
Oral Health - People with gum disease (%)
Oral Health - General health of teeth and gums (%)
Oral Health - Average days a week using dental floss/device
Oral Health - Average days a week using mouthwash for dental problem
Oral Health - Average number of teeth
Pesticide Use - Households using pesticides to control insects (%)
Pesticide Use - Households using pesticides to kill weeds (%)
Physical Activity - People doing vigorous-intensity work activities (%)
Physical Activity - People doing moderate-intensity work activities (%)
Physical Activity - People walking or bicycling (%)
Physical Activity - People doing vigorous-intensity recreational activities (%)
Physical Activity - People doing moderate-intensity recreational activities (%)
Physical Activity - Average hours a day doing sedentary activities
Physical Activity - Average hours a day watching TV or videos
Physical Activity - Average hours a day using computer
Physical Functioning - People having limitations keeping them from working (%)
Physical Functioning - People limited in amount of work they can do (%)
Physical Functioning - People that need special equipment to walk (%)
Physical Functioning - People experiencing confusion/memory problems (%)
Physical Functioning - People requiring special healthcare equipment (%)
Prescription Medications - Average number of prescription medicines taking
Preventive Aspirin Use - Adults 40+ taking low-dose aspirin (%)
Reproductive Health - Vaginal deliveries (%)
Reproductive Health - Cesarean deliveries (%)
Reproductive Health - Deliveries resulted in a live birth (%)
Reproductive Health - Pregnancies resulted in a delivery (%)
Reproductive Health - Women breastfeeding newborns (%)
Reproductive Health - Women that had a hysterectomy (%)
Reproductive Health - Women that had both ovaries removed (%)
Reproductive Health - Women that have ever taken birth control pills (%)
Reproductive Health - Women taking birth control pills (%)
Reproductive Health - Women that have ever used Depo-Provera or injectables (%)
Reproductive Health - Women that have ever used female hormones (%)
Sexual Behavior - People 18+ that ever had sex (vaginal, anal, or oral) (%)
Sexual Behavior - Males 18+ that ever had vaginal sex with a woman (%)
Sexual Behavior - Males 18+ that ever performed oral sex on a woman (%)
Sexual Behavior - Males 18+ that ever had anal sex with a woman (%)
Sexual Behavior - Males 18+ that ever had any sex with a man (%)
Sexual Behavior - Females 18+ that ever had vaginal sex with a man (%)
Sexual Behavior - Females 18+ that ever performed oral sex on a man (%)
Sexual Behavior - Females 18+ that ever had anal sex with a man (%)
Sexual Behavior - Females 18+ that ever had any kind of sex with a woman (%)
Sexual Behavior - Average age people first had sex
Sexual Behavior - Average number of female sex partners in lifetime (males 18+)
Sexual Behavior - Average number of female vaginal sex partners in lifetime (males 18+)
Sexual Behavior - Average age people first performed oral sex on a woman (18+)
Sexual Behavior - Average number of woman performed oral sex on in lifetime (18+)
Sexual Behavior - Average number of male sex partners in lifetime (males 18+)
Sexual Behavior - Average number of male anal sex partners in lifetime (males 18+)
Sexual Behavior - Average age people first performed oral sex on a man (18+)
Sexual Behavior - Average number of male oral sex partners in lifetime (18+)
Sexual Behavior - People using protection when performing oral sex (%)
Sexual Behavior - Average number of times people have vaginal or anal sex a year
Sexual Behavior - People having sex without condom (%)
Sexual Behavior - Average number of male sex partners in lifetime (females 18+)
Sexual Behavior - Average number of male vaginal sex partners in lifetime (females 18+)
Sexual Behavior - Average number of female sex partners in lifetime (females 18+)
Sexual Behavior - Circumcised males 18+ (%)
Sleep Disorders - Average hours sleeping at night
Sleep Disorders - People that has trouble sleeping (%)
Smoking-Cigarette Use - People smoking cigarettes (%)
Taste & Smell - People 40+ having problems with smell (%)
Taste & Smell - People 40+ having problems with taste (%)
Taste & Smell - People 40+ that ever had wisdom teeth removed (%)
Taste & Smell - People 40+ that ever had tonsils teeth removed (%)
Taste & Smell - People 40+ that ever had a loss of consciousness because of a head injury (%)
Taste & Smell - People 40+ that ever had a broken nose or other serious injury to face or skull (%)
Taste & Smell - People 40+ that ever had two or more sinus infections (%)
Weight - Average height (inches)
Weight - Average weight (pounds)
Weight - Average BMI
Weight - People that are obese (%)
Weight - People that ever were obese (%)
Weight - People trying to lose weight (%)