zdahmash
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Posts:5
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| 06/12/2001 10:15 AM |
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| If you own an ICF house and were able to receive a reduction on your insurance, please let me know the name of your company, amount of reduction? and any other detail you may have. Thanks. |
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icfdesign
Registered Users
Posts:195
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| 06/12/2001 4:02 PM |
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Just last week, I toured an ICF home erected by an individual homeowner in Northwestern Ohio with a prospecting ICF do-it-yourselfer.
Edited by - icfdesign on 06/18/2001 12:09:57 |
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markross
Registered Users
Posts:1035
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| 06/12/2001 7:10 PM |
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29.2% lower in North Bay, Ontario Canada.
Mark Ross
"Le Canuck" |
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icfdesign
Registered Users
Posts:195
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| 06/13/2001 12:47 AM |
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quote:
29.2% lower in North Bay, Ontario Canada.
Mark Ross
"Le Canuck"
Maybe since you have opened your business venture in Ohio, and started to sell all of your products in the Ohio region, USA, you could offer the State of Ohio Insurance Board the same information used in your Le Canuck part of the world
Edited by - icfdesign on 06/18/2001 12:11:03 |
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enermizermuskoka
Registered Users
Posts:272
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| 06/13/2001 7:01 AM |
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I can agree with Mr.Ross. In Muskoka, I too
realized an approx. reduction of 25%-30% in my
home policy. But I would like to explain that
it was not due to the I.C.F. per say, rather it
is what's behind the "foam" - concrete. My
agent simply looked in his guide and entered
the applicable rate. A "stick built" home
will cost more for structural insurance than
the concrete home. In the concrete home, the
inevitable payout from insurers due to fire,
flood,storm damage etc. has been shown to be far less than that of the other. So again,it
is not the "I.C.F." which offers the reduction, rather what is in them. Maybe this help's others. C.Kerr
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icfdesign
Registered Users
Posts:195
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| 06/13/2001 11:30 AM |
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Maybe the admin. of this site should have a web site for US interest, and one for Canadian Interest, just to keep the laws, regulations, codes, and citizens comments separate to avoid confusion….
Edited by - icfdesign on 06/18/2001 12:12:04 |
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icfdesign
Registered Users
Posts:195
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| 06/13/2001 11:32 AM |
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Last time I checked Madison MS is not in Canada.......
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enermizermuskoka
Registered Users
Posts:272
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| 06/13/2001 3:23 PM |
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Your correct,it's a far way from the Muskoka
Lakes Distric here in Ontario,CANADA. You are
VERY Wrong of your perception of Government
subsidization in favor of our Industry. In fact it is your Government which has taken the
greater steps towards more energy efficient and stronger,safer building efforts. Sure,
our ruler's (not the Queen,but our elected
representitives)signed a very noble, International agreement; However, they have
not stepped forth with any "concrete" incentive's to build with concrete. They are
still trying to support the "Old boy's club"
formed with the Lumber Baron's and Fossil Fuel giants. -Only one man's oppinion.
P.S. I AM CANADIAN,AND PROUD. Chris Kerr
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markross
Registered Users
Posts:1035
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| 06/14/2001 12:53 AM |
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Dave:
I answered zdahmash's question as I had the info. This thread is not helping him any. Do you have any helpfull information to add? I think it would help him. As for Canadian laws and building codes. I have worked extensively with the UBC, and know that the Canadian and US codes are very similar. In fact, with reference to wood frame houses, Canadian homes are far more advanced than US code construction. One thing that canada has is a tremendous support for the Wood Frame industry, as they have a rather extensive supply. I would recommend that you have a look at the CCMC, CMHC and NRC websites and the research projects completed.
And by the way, we are working with a Ohio State insurance company, educating them in ICF construction to help lower the costs. We are also working with a couple of lending institutions to help DIY's and, with one licenced appraisal agency to help with accurate value analysis of ICF construction. Again I ask (as in another post), what are you doing to help people out there? I am trying, with the help of many posting on this website. Your help would be appreciated, but remember, none of us get a paycheck to do it.
Mark Ross
"Le Canuck" |
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icfdesign
Registered Users
Posts:195
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| 06/14/2001 10:53 AM |
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I am trying, with the help of many posting on this website. Your help would be appreciated, but remember, none of us get a paycheck to do it.
Mark Ross
"Le Canuck"
[/quote]
Edited by - icfdesign on 06/18/2001 12:13:19 |
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Rick
Registered Users
Posts:157
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| 06/14/2001 12:35 PM |
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Dave
Get used to it. Gone are the days when a guy with a pick-up truck and a hammer can go out and call himself a contractor, ask for three states as a territory, beg the manufacturer to pay for everything because the contractor is "doing it all for you, man". This industry is getting big, and in the United States, is mostly being pushed by fine American citizens, not the "big foreign interests" you keep referring to. Sounds like major sour grapes buddy. But hey, you're allowed to kevetch just like the rest of us. A la prochian (until next time) |
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icfdesign
Registered Users
Posts:195
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| 06/14/2001 1:08 PM |
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It seems that somewhere along the lines, the Canadians have one standard for insurance rates and the US companies have another. How did we go from helping this individual in MS with his answer about insurance rates, to about other issue
Edited by - icfdesign on 06/18/2001 12:15:02 |
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Rick
Registered Users
Posts:157
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| 06/14/2001 3:45 PM |
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I dont know, Dave. But on the bright side, there are programs available in the US (of course, don't ask me to name any...)to promote the use of concrete construction by providing preferred financing rates etc...Again, IN the United States! One website I would invite you to visit is www.energysuperstars.com This website promotes complete concrete technology, not just icf's and provides a list of people who can assist in finding programs/individuals that can help people find the increased benefit of concrete/icf homes, OTHER than just the energy savings. Only downside....they are west coast based and new so their data base is limited...for now.
Cheers
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zdahmash
Registered Users
Posts:5
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| 06/14/2001 4:51 PM |
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In reviewing the responses to my initial question regarding reduced insurance rates for ICF homes, I find my self amazed on how easy it is to deviate and lose site of the subject matter. I am simply seeking actual facts from homeowners that are willing to testify to receiving a reduction on their insurance premium so I can convince my insurance company to reduce my rate or switch companies. I appreciate everyone concentrating on the subject matter.
Thanks
Edited by - zdahmash on 06/14/2001 17:09:38 |
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markross
Registered Users
Posts:1035
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| 06/14/2001 6:03 PM |
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zdahmash
May I recommend contacting Rick of Formtech. He knows an individual on the west coast who has lobbied heavily for such issues. Rick will help you.
Mark Ross
"Le Canuck" |
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markross
Registered Users
Posts:1035
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| 06/14/2001 6:07 PM |
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Dave:
You seem to know a lot about the rules and regulations reqarding this training thing. I have a recommendation, why don't you help the ICF industry, and all of us trying to set it up, by aiding us with the legal issues, instead of fighting us.
Mark Ross
"Le Canuck" |
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365
Registered Users
Posts:36
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| 06/17/2001 2:41 PM |
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| Yes you can get reduced insurance rates on ICF homes vs. wood homes. The Farmers Insurance group has a good plan here in Texas and if you need actual phone numbers of Individuals involved please contact me at fbi@apex2000.net and I will put you incontact with the appropriate persons. You will more than likely get the same rate as masonary since we are after all building with similar products. On average I have found the numbers compared to stick construction not as great as I would like to see them based on the superior construction of concrete. But you will have on average a 22% savings. I have had one gentleman in Monroe, LA. get as much as a 33% savings. Here in Texas we are constantly lobbying the legislature to help us in this area, but you need a track record to convince the insurance companies ICF's are new and improved over traditional masonary. When you go to the bank tell them you are building a masonary home so the paperwork will comply when you get the insurance. Sometimes ICF does not compute with them. |
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icfdesign
Registered Users
Posts:195
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| 06/17/2001 2:55 PM |
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Open the infor source for all, not just an "email me and I ll get back with ya"
Give me a break!
Edited by - icfdesign on 06/17/2001 14:59:46
Edited by - icfdesign on 06/18/2001 12:17:46 |
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enermizermuskoka
Registered Users
Posts:272
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| 06/17/2001 5:02 PM |
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| Oh,what a beautiful day. |
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365
Registered Users
Posts:36
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| 06/17/2001 8:41 PM |
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| Pardner waht is your problem! The reason I asked him to contact me is because I wanted to put him in contact with the homeowner who had the dealings with the insurance company. Personally if someone posted my personal number up on the web I would be pissed. I dont have time to have some conspiracy going on or alternate adgenda. I'm far to busy for the bull.../ I did post the Insurance company FARMERS they are in the phone book. But it has been my personal experience that a lot of these agents are not aware of what someone in another state is doing. Hince I wanted to put the gentlemen directly in contact with the homeowner. Personally I have now idea who half you people posting are but some of you need to get a life. |
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