Barndominium/Shop or "real" House?

[ETD66SS]

You can use NG to fire your heaters. Definetly hook up to it. Cheaper than Propane.

I use Propane to fire 3 tankless heaters and my HVAC.

New York State is looking to ban the usage of NG & LP by 2030.

 

[5030]

New York State is looking to ban the usage of NG & LP by 2030.

Don't matter to me one way or another as I probably won't be here anyway plus I don't live in that communist state.

 

[ETD66SS]

The other issue is... If you have a loss by fire or natural disaster, your insurance carrier will replace your dwelling part but the one thing most people forget is..

You equipment is only covered to ACV which means you get to eat the difference.

I'd never do that and all those CAD drawings and the actual product will vary.

Drawings and dreaming are nice. Reality is another animal.

I have an inland marine policy on all my equipment.

I don't see a Barndominium as any greater risk than a house with an attached garage... I don't think I would let a fire scenario scare me away from a Barndo. Two separate structures are much more expensive to build. Even close proximity detached garages will light up a house as the fire dept will just let them burn.

The CAD drawing comment is a bit of a **** statement. So Architects should not exists? Don't get it...

 

[ETD66SS]

Don't matter to me one way or another as I probably won't be here anyway plus I don't live in that communist state.

But it does matter to me lol. However, I still plan to install NG to whatever I build. If I have to cross state lines to "illegally" buy a new gas range, so be it.

 

[5030]

Don't matter what kind of policy you have, unless you insure for actual replacement cost, no insurer will pay anymore than ACV I know as I insure a 'collectable' vehicle with Haggerty and it's very expensive and has specific limitations.

If you think otherwise, I suggest you check with your agent or the insurance company.

It's bad to assume anything. Assuming will cost you dearly.

 

[ETD66SS]

Don't matter what kind of policy you have, unless you insure for actual replacement cost, no insurer will pay anymore than ACV I know as I insure a 'collectable' vehicle with Haggerty and it's very expensive and has specific limitations.

If you think otherwise, I suggest you check with your agent or the insurance company.

It's bad to assume anything. Assuming will cost you dearly.

Why is this specific to a Barndominium?

If I have a separate shop and it burned down with equipment in it, I'm in the same boat?

I have a 66 Chevelle SS396 real 138 car insured with Hagerty. And I know that you can't really insure them for what it would cost to fully restore, as you can't even sell classic cars for what they cost to fully restore unless maybe it's a 70 LS6 with protecto-plate etc...

 

[ovrszd]

New York State is looking to ban the usage of NG & LP by 2030.

I heard that. Hopefully this country's left swing will center itself before too much damage is done....

 

[ETD66SS]

I heard that. Hopefully this country's left swing will center itself before too much damage is done....

I sure hope so, it's getting very silly.

 

[ETD66SS]

Ok, so asking a few insurance agents about my Barndominium. Will they need to look over the drawings etc? I assume if yes they need to be stamped? Anyone ever go over insurance options with an agent before a structure is built? In my area, seems everyone is building Barndo's now, so it is a thing...

 

[5030]

Whatever. Not to be a SA but I'm done here. Your game, not mine.