House Burned Up -- Anyone Know about Insurance?

   / House Burned Up -- Anyone Know about Insurance?
  • Thread Starter
#41  
I said envelope, not footprint, because that is what the town regulates. Their advice before I tear it down was to get a surveyor to place it exactly on the property, and to measure existing height. I am going to follow that advice.

The only place there is any wiggle room is that on one side I have probably 3-4 feet more than the required setback, so there might be a few extra square feet available. I am drawing new plans which take advantage of the extra feet.

They are really tough. There is a place where I have a second floor balcony (with roof and railing) cantilevered from the house, which goes to about 4' from the property line. I asked if I could enclose the balcony and bring it back to 6.5' from the line, a clear improvement. I wanted to use it for a closet. The answer: "This isn't 'Lets Make a Deal', you can rebuild the balcony or eliminate it, but you can't reduce its size and enclose it.

The only thing available is floor plan changes.

Eddie probably appreciates this, but if you want to get the most living space out of a smaller house, it is like a giant 3-D jigsaw puzzle. Everything interacts with everything else.

The way it was before the fire, I had 1845 sq ft, and the only "wasted" space was the stairwell, and 40 sq ft of hallway upstairs. The RE agent and I looked at a new 2200 sq ft house and we both agreed it felt smaller than mine. The reason was that the floor plan must have had 300 sq ft of hallway, which is just plain old wasted space.

I even cantilevered the floor joists out 3' for the furnace and hot water tank. Right at the spot where the view from the house was the worst. Inside the house those items take up space don't add anything.
 
   / House Burned Up -- Anyone Know about Insurance? #42  
I said envelope, not footprint, because that is what the town regulates.

Brutal town! Must really be a nice place to live?:D
Bob
 
   / House Burned Up -- Anyone Know about Insurance?
  • Thread Starter
#43  
It was a funny place to live. Lots of people who have big money live there, but that doesn't mean the town will let you upgrade you 1920s house. Steve Jobs, the CEO of Apple Computer, owns property there, several acres, with an old decrepit house on it. He wants to tear it down and build a new one, but the town claims the old house has some sort of historical significance and won't let him just tear it down He offered to give it to anyone who would move it, but no takers. So, it just sits there while Steve lives in Palo Alto. Maybe he should have a fire?

My house was in the low rent district, but still plenty expensive for an ordinary Joe.

They have all sorts of ways to discourage do-it-yourselfers. Back when I was building it the first time in '89, I was trying to juggle working at a 9-5 job and building a house at the same time. The town actually sent a cop out to arrest me for driving nails on a Sunday. A violation of the noise ordinance.

I ended up taking Fridays off from work, working on the house on Friday and Saturday mornings when it was legal, then doing landscaping on Saturday afternoon because that was OK. I went in to my regular job on Sundays to make up the hours.

Maybe I should change my name to "CriminalDave".

Even contractors are highly regulated. You may only work from 8 AM to 5 PM M-F and 8-12 on Saturday. Must have license from the town. If one of your workers shows up at 7:45 he can park, but if he picks up a 2 x 4 you will get fined.
 
   / House Burned Up -- Anyone Know about Insurance? #44  
It was a funny place to live. Lots of people who have big money live there, but that doesn't mean the town will let you upgrade you 1920s house. Steve Jobs, the CEO of Apple Computer, owns property there, several acres, with an old decrepit house on it. He wants to tear it down and build a new one, but the town claims the old house has some sort of historical significance and won't let him just tear it down He offered to give it to anyone who would move it, but no takers. So, it just sits there while Steve lives in Palo Alto. Maybe he should have a fire?

I recall that Jobs bought the next door neighbor's house in Palo Alto and
scraped it just to have more space around his own house.

As for his derelict mansion in Woodside, I heard its vacancy has led to
vandalism and lack of maintenance problems. A fire could be next.
 
   / House Burned Up -- Anyone Know about Insurance? #45  
T The town actually sent a cop out to arrest me for driving nails on a Sunday. A violation of the noise ordinance.

WOW! I have heard that this happens. Makes me like my local a little bit better. It can always be worse.
Bob
 
   / House Burned Up -- Anyone Know about Insurance? #46  
Dave I think this is going to end up to be a very interesting thread. There are a lot of +'s like oyu say. Your things were out and no one was harmed and eventually you will come with a settlement with the insurance comapny and build again with the chance for a more current design with newer materials. it is going to be interesting.

When we built our last house I had a very nice "junk" closet at the back door entrance. It was only about 4' wide but about 10' to 12' deep. That back closet was a real feature of the house as it was the place to put the laundry baskets the kids school back packs, it had all kinds of hooks and shelving and was a place to basically park your everyday junk. Then at the front door I had a standard regular sized front hall closet to have for coats for our guests. It was actually the first time I had a closet empty so that when we had guests I had a nice place for their coats. As you are srawing your plans if there is anyway to make a "junk" closet near the kitchen it will be a selling point.

I dont' think that 1,800 square feet is all that small, I think that is an okay size for a house if it is planned well. Now oyu can design it with a place for a flat screen tv etc. This may end up in the long run (the very long run) to be a good thing. I hope you start a thread for the house planning and construction while keeping this insurance thread open. Good luck to you Dave.
 
   / House Burned Up -- Anyone Know about Insurance? #47  
I said envelope, not footprint, because that is what the town regulates.

Does the envelope include the depth of the basement?
Bob
 
   / House Burned Up -- Anyone Know about Insurance?
  • Thread Starter
#48  
Does the envelope include the depth of the basement?

Fortunately they only regulate the height above grade. But, I bet they won't let me have more than one basement level.
 
   / House Burned Up -- Anyone Know about Insurance? #49  
Don't they understand that a sub-sub basement would be ideal for hammering on Sundays? What's wrong with those people?
 
   / House Burned Up -- Anyone Know about Insurance? #50  
Does the envelope include the depth of the basement?

Fortunately they only regulate the height above grade. But, I bet they won't let me have more than one basement level.

How about a 12 foot basement? That would be a very nice addition. Especially if it was insulated and had an escape well. Makes very more livable space.

Just a thought.
Bob
 

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