Owner Builder Insurance Australia

Adam Weaver  adam@allrisk.com.au 18-03-2018 Is fire an issue? One of the more perplexing things Owner Builders sometimes say to us is: I don't need insurance for FIRE, since my house is made of metal. Fire doesn't burn metal/concrete/masonry/moon rocks/string cheese/whatever else is the building material du jour . Yes, that's true to a point ... but what do you think happens to your metal or concrete if there is a fire? Metal warps. Concrete becomes brittle. If there is a significant fire, even the concrete pad will become sufficiently damaged that no engineer would let you build on it again. So whilst your metal building / concrete pad  won't burn  per se , it will likely be sufficiently damaged that you'll need to cart away the debris and start again from scratch. Water can't hurt me either By far and large, the most expensive type of claim we see is for storm or water damage. Water gets in everywhere, and can wreck just about...

Adam Weaver  adam@allrisk.com.au 25-03-2018 Talk to your builder It sounds obvious, but not all builders are the same; most are highly skilled, experienced, and competent, and some are ... not . Sadly, in insurance, we hear horror stories more often than not; usually when it's too late to do anything about the choice of builder. Ask questions Are you a licensed builder? Quite a few "builders" are actually carpenters and other trades, and whilst they may have loads of experience in the particular trade, are  less  experienced in budgeting and time management skills. For how long have you had your license ?  Do you have any completed projects we can view? Any client references? Don't be embarrassed to ask, you'd think that a good builder would be proud of his past work and his past clients would give him a good review. What other work do you have on the go? Realistically, most builders will be working on more than one job at any ...