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Rick
Registered Users
Posts:157
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| 06/18/2001 11:52 AM |
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818: Thanks for the info, I am sure it was VERY helpfull to the majority of those who have read your post.
Take Care
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Mike C.
Registered Users
Posts:14
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| 06/18/2001 5:09 PM |
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zdahmash:
I asked this same question about a month and half ago and got no response, so don't get discouraged.
It is PCA's goal to gather agent's names and phone numbers so we can post a state-by-state listing on [url]www.concretehomes.com.[/url] We feel this type of listing will be a big benefit to potential homebuyers.
818, I will be e-mailing you for the information you have.
Mark and Chris, if you could e-mail me, I would really appreciate any information you have.
Thanks guys and keep up the good work!!
Mike C.
Portland Cement Association
Edited by - Mike C. on 06/18/2001 17:11:04 |
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enermizermuskoka
Registered Users
Posts:272
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| 06/20/2001 9:08 AM |
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Good-day to all. Hey Mike, I spoke with my
insurance broker on the weekend, as we all need
to protect our ass et's. I brought this up, he
stated, and showed me the standard format used
in formulating the assesment of replacement on
any given structure. This is widely used program, press the buttons and it pop's on
the screen-fill in the blank's and the total
value & policy price come up. So I assume
that it seem's to me that it's something that
anyone should discuss with their agent and
tell them to shop around for you, because its
out there. Hope this helps,take-care all.
Sincerely, C.Kerr
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markross
Registered Users
Posts:1035
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| 06/21/2001 4:21 PM |
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zdahmash
we are attempting to work with a local insurance company on a couple of projects, as well, we are almost finished educating the appraiser to ensure the homes are completed right. Here is what we discovered to be the problem. The ICF home appraised for almost 27% more, and although the insurance quote is about 25% lower, we lost in the long run, because the replacement cost was higher.
Go figure. We are still trying to sort (an figure) this one out.
Mark Ross
"Le Canuck" |
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flicf
Registered Users
Posts:2
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| 06/26/2001 8:43 PM |
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In the state of Florida the State Farm Insurance Company seems to understand what we're trying to tell people about the advantages of ICF constuction. My son built a 2 story ICF home with a State Farm rate 48% lower than for a conventional 2x6 frame or CBS type construction.
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icfdesign
Registered Users
Posts:195
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| 06/26/2001 10:27 PM |
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quote:
In the state of Florida the State Farm Insurance Company seems to understand what we're trying to tell people about the advantages of ICF constuction. My son built a 2 story ICF home with a State Farm rate 48% lower than for a conventional 2x6 frame or CBS type construction.
This is great news! I have sent a copy of a typical home plan built using cmu vs 2x6 vs ICF's to the State Farm Corporate Office for a reply, I will post back their answer and results of their quote and findings. Maybe with info such as this, we can start an industry wide-north american trend.
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markross
Registered Users
Posts:1035
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| 06/27/2001 11:30 AM |
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Dave has a good point here:
I will be submitting a couple of our jobs to State Farm in our area, and asking our guys to do the same, how about the rest of us doing so in a variety of states, and this should help State Farm to realize the scope of this issue. Maybe, we can get a standard set by them, which should push the rest of the industry in that direction. It could be a good advertising for State Farm to support ICF construction in this manner.
Mark Ross
"Le Canuck" |
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Rick
Registered Users
Posts:157
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| 06/27/2001 12:43 PM |
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| Mark/Dave: please keep me (everyone) informed of your progress. This will be an excellent part of the education process for all involved. |
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markross
Registered Users
Posts:1035
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| 06/28/2001 1:36 PM |
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I have recieved the quotes back, and the total savings was only 19.4% for a 1500 square foot building, however the 7500 square foot building savings was a whoping 21.7%. This is in Southern Ohio.
Mark Ross
"Le Canuck" |
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zdahmash
Registered Users
Posts:5
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| 06/28/2001 4:42 PM |
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| Thanks guys. That is the kind of information I'm hunting. let's work on combining our efforts to benefit our self and all those ICF homeowners. |
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seflpolyst
Registered Users
Posts:147
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| 06/28/2001 5:06 PM |
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| i too called statefarm. in florida they are not writing any new policy in dade, broward or palm beach county, nor in any other counties for structures within 2500 yards from the ocean, which leaves out the keys. other counties they are quoting better rates if concrete walls and steel trusses or concrete roofs are used. for wood trusses you pay more. with the new florida code taking effect jan. 1, 2002 which for the first time includes 24 pages on icf construction, things will get better for us down here even though insurance may not. |
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markross
Registered Users
Posts:1035
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| 06/30/2001 6:32 PM |
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Curious Question, do you know what the 24 pages of code consist of. This is very interesting, and I believe a breakthrough for ICF.
Mark Ross
"Le Canuck" |
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seflpolyst
Registered Users
Posts:147
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| 07/01/2001 9:53 AM |
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mark, yes, its online and you can read it in detail, it is largely the same as sbcci and according to the florida wind load map applies as a prescriptive method in areas of 100 mph or less. unfortunately those areas include only a small portion of north/central florida. most other counties and coastal zones are 100+ mph and therefore require design by a florida licensed professional according to aci 318 or other approved structural standards. (opening paragraph of chapter 1916).
dade, broward and monroe? counties are considerd HVHZ (High Velocity Hurricane Zones)and have more stringent design requirements for all the components of the building envelope.
it remains to be seen if dade and broward offer their individual "tweek" of the florida code, as they have done with their version of the south florida building code in the past. as i understand it the new statewide code with its HVHZ section is to eliminate that. we'll see.....
www.sbcci.org/Florida%20Building%20Code/btocib.htm# (chapter 19). |
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icfdesign
Registered Users
Posts:195
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| 07/01/2001 4:50 PM |
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The State Farm Insurance Company has issued a statement to my company regarding constuction discounts and types of materials used in the overall scope of construction.
It is surprising how "little stock" these big insurance companies put into the efforts of various types of materials that save re-building costs etc. "The savings of insurance rates can be greatly effected by many factors".
Well now, isn't that special... Overall savings 15%.
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markross
Registered Users
Posts:1035
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| 07/08/2001 1:41 PM |
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Dave:
I wonder if the difference might be in the heating system used for these homes as well as the detection systems and closeness to fire halls? did state farm include this? It may be the reason for the differences in the quotes, and I may need to re-submit to ensure competitiveness.
Mark Ross
"Le Canuck" |
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Henry
Registered Users
Posts:1
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| 07/20/2001 10:27 AM |
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I just completed an ICF home in Florida. It's located in the 110MPH coastal
area. The house is two story with wood roof trusses & a tile roof. USAA insured the structure for approximately $500/year. My builders risk insurance during construction was $2,100 per 6 months. The home (less lot) is valued at approximately $450K. It appears that some insurance companies do have ICF's listed in their computers but you may need to lead them down that path just because they aren't familiar with the term ICF. I should add that the house has impact resistant windows (hurricane resistant) and this lowered the rate a bit also. Generally the lowest rates seem to be gained when there are a combionation of factors that make the home safer or more secure. The other homes in my neighborhood are either concret block or frame or a combination of the two (got one other ICF but it is forst floor only), I'm guessing but their rates are probably twice what I'm paying. Hope this helps.
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icfdesign
Registered Users
Posts:195
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| 07/20/2001 10:32 PM |
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On July 20, 2001 this text has appeared in print within several leading newspaper business sections in various mid-western city newspapers.
Quote: Allstate Corp., squeezed by soft industry pricing coupled with exceptionally high damage claims, jarred Wall Street with a worse-than-expected 63 percent drop in second-quarter net income.
The disappointing performance sparked a high-volume investor sell-off that sent shares of the Northbrook-based insurance giant tumbling $5.20, or 12.6 percent, to $36 on the New York Stock Exchange.
With losses such as this, rate hikes can't be far behind?
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Rick
Registered Users
Posts:157
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| 07/23/2001 11:15 AM |
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| Or perhaps reinforce the need for more resilient construction? |
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markross
Registered Users
Posts:1035
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| 07/27/2001 11:41 AM |
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We have been educating the consumer in the benifits of ICF construction, maybe we should be educating the insurance companies a bit more?
Mark Ross
"Le Canuck" |
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zdahmash
Registered Users
Posts:5
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| 07/27/2001 1:18 PM |
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I've just recently learned that the House Ways and Means Committee is in the process of marking up a federal tax credit for energy efficient homes. It is more critical now than ever to contact your representatives that serve on the House Ways and Means Committee and Senate Finance Committee and let them know of the key
principles that should be included in any residential energy efficiency tax credit legislation. To down load a copy of the legislation that is being used as the basis for the mark up, go to
http://waysandmeans.house.gov/fullcomm/107cong/energy/hr2511sub.pdf
We have already achieved a victory. The House Ways and Means Committee has
removed the option on builder self certification. There are more issues
that need to be addressed to create an effective bill.
The Alliance to Save Energy, Natural Resources Defense Council and the
American Council for an Energy Efficient Economy have developed an
agreement on what a tax credit for new homes should contain. RESNET supports these
principles. Please share these with your Congressional delegation.
Mailing addresses for members of the Senate Finance Committee can be
found at http://finance.senate.gov/fin-comm.htm
Addresses for members of the House Ways and Means Committee can be found
at:
http://waysandmeans.house.gov/memsub.htm |
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