YorkieSelfBuild

I had better luck with Howden but only when house is completed. They asked if trees were within 7m, 5m high, nothing on species, and they had SIP as wall option. I got £270 quote from Aviva but I noticed policy says not close to river or cliff, I'll have to clarify quarry cliff is ok. So that puts my mind at rest. This is a massive financial gamble for me, not many options if it falls apart.

Good idea. I've asked my neighbours, waiting to hear back. Also asked for developer's broker as they have a similar house

It's self build but with JCT contact with builder. Yes, that seems the best plan, keep site insurance for building, separate contents insurance. I used Go Compare and got some quotes! From £67 upwards. I chose walls as "prefabricated combustible" and roof as "tiles". Also no structural building (load bearing walls, extension) or renovation (electrics, plumbing are complete) works, cos bathrooms, kitchen and flooring are considered cosmetic. But it didn't ask about trees so I'll have to check each quote for that.

I've read Scottish insurers are used to timber frame houses, not seen as unconventional. Can anyone recommend some names?

Developer / architect / builder says their foundation design has compressible element to account for clay shrinkage and expansion.

Thanks for the replies. It was GIS that went into so much detail when I said yes, there are trees within 15m. Then asked about distance, height, species. Others haven't asked those specific questions, just have you had subsidence, near water, etc. But all refused to quote when I said it's not completed. On trees, i just went and measured it. Nearest about 5m. Would that count as within 5m? They're sycamore and ash, plus hawthorn, apple, oak and willow (from the TPO plans), all can cause subsidence (thanks, Google). So now I'm thinking of continuing site insurance but get separate contents. So I tried Direct Line, 2 quotes, only difference was wall material. Brick £145, timber frame can't quote.

Hi I've tried getting quotes from GSI, Adrian Flux, etc and been refused, mainly cos it's not completed yet though being timber frame, SIP walls and concrete tile roof doesn't help. But I'm getting worried about the other questions, like are there trees within 15m and is there is cliff? I'm FTB so never had buildings insurance before. I have a wooded area at back and trees to one side, some with tree preservation orders. I thought the only issues with them was trimming branches, never thought about subsidence. Some trees are only about 4m away. Also the development is near the edge of an old quarry. Surveyor's report was all clear on if my house was going to fall down. Have a bought a dud, a clunker, a lemon, something that isn't insurable or ruinously expensive to insure?

Home Protect is £974 pa, 400k rebuild, near a (quarry) cliff and Frontier won't quote. Hmm, I hope being timber frame won't bite me in the backside

Thanks, I'm a FTB so everything's new to me. My neighbours are on danger development, they moved in 2 month's ago! My house had delays but still

Ha ha, no single plank direction, true, but still got the "arrows"

Hi I currently have site insurance from BuildCare/BuildStore. Can I move in before completion? If I can, can I switch from site insurance to building and contents insurance? It doesn't cover contents and it's over £1200 pa. I think one solution is site insurance for building and separate contents insurance? I've read other posts so I have a list of insurers to contact for quotes (or find a broker) for TF house with less than 20% timber cladding. Cheers

Thanks, nod. I was told banisters could go on before LVT, but I'll check. Hmm, reason joiners might not come back is being laid off by developers. So should be free if I hire them myself

Hi As title says, what joinery is needed to finish a room after the flooring is installed? Is it doors, handles, locks, skirting and architrave and would one joiner be able to do all of that? The reason I'm asking is my builder has quoted high to install click LVT so I think I'll DIY it but that increases the timescale so their joiner might not have time to come back to finish the joinery. Cheers

I'm leaning towards all left to right now, which was my original idea. It's LVT so I'll loose lay to see if vertical works for that 1st floor bedroom. Thanks for all the replies!

Hi, I'm trying to decide on the orientation of plank flooring. I think I'd prefer to avoid transition strips so the landing dictates it goes left to right. The right hand side bedrooms are complicated as they have double aspect windows so sunlight will come from top and right, and the 1st floor room's longest wall is vertical while the 2nd floor room's is horizontal. Currently I have the planks follow the longest wall. What do people think? Any suggestions to improve it? Cheers