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Things To Consider For New Home Builders In Central Florida

By Ant Onaf

Congratulations on deciding to build your new home! Perhaps you have your heart set on the beautiful and sunny state of Florida, so what do you need to know about your region of choice? Like in any other home builder’s mind, there are a lot of things to consider when building a new home. Not only do you need to have the right plans and financial support for it, but most especially, you must think about the location where you want to build your new home.

Here is some basic information about Central Florida. The region is located on the east coast of the Sunshine State, and has a population of about 4 million. Among the counties included in Central Florida are: Volusia, Orange, Seminole, Osceola, Polk, Brevard, Lake, Sumter, and Flagler. Comparing its climate to North Florida, Central Florida has milder and warmer weather. Although it is said to have stormy weather and is often visited by hurricanes, the winter months are less frigid as compared to northern regions of the state, which makes Central Florida an ideal area for growing many kinds of fruit.

Among the most well-known as well as the largest cities worth mentioning in Central Florida are: Daytona Beach, Palm Coast, Orlando, and Kissimmee. Daytona Beach new home builders will most likely be choosing the location because of the world famous Daytona International Speedway, home of NASCAR racing. The city of Orlando in Central Florida is home to some of the best vacation spots in the country, such as Walt Disney World, Sea World, and Universal Studios Florida. Also, Central Florida, as well as the rest of the Sunshine State, is recognized for its beaches and ideal weather for fun in the sun.

Having mentioned the climate and known attractions in Central Florida, let’s move on to what you should be thinking about as a new home builder in Central Florida. Now, we all know that building a new home is a major financial hurdle, and that a lot of paperwork needs to be done in order for you to get started on building. For one thing, if you have chosen your lot for your new home, have you already checked out the price of the lot per square foot or square meter? What about materials and contractors? How much do you think it will cost you?

As I said before, finances are as equally important in this endeavor as the location and materials. Think about what kind of loan you will be opting for. Most new home builders would opt for a mortgage loan, home improvement loan, or construction loan to cover for such expenses. Mortgage loans mean that you will be putting up your lot or the house you will be building as collateral. Keep in mind that when you apply for a loan, your credit rating will matter in helping your loaner decide on the interest rate and monthly amortization.

Next, once you have had your finances settled, as a new home builder in Central Florida you should double check the lot you will be placing your foundation on. As mentioned earlier, you need to consider the climate, check to see if the area is prone to floods, check to see if the soil quality is poor, and even check to see if the water supply passes the standards imposed by local authorities. It is also important to check the building codes in the city or country you will be building your new home. There are regulations imposed for structures, finishing, drainage, and others.

After you have done this, it is now time to select your new home builder and/or contractor. Aside from the builder/contractor, there should be a surveyor and an excavator, but all of these additional persons may also be included within the services of the construction company you will be contacting. Along with that, you may also want to consult an architect and a designer for the layout of your house. If you are willing to do a little more research on your own, you can get tons of ideas over the internet to get you started.

When you have your new home builders and/or contractors ready, be sure you are also ready to negotiate a contract with them. This contract should contain the signatures of your builders, contractors, and architects, and should indicate the length of time for the project to be completed, and the agreed upon cost. Also, these contracts may contain details of all materials used in the construction of the house. You can learn more about this by discussing it with a home builder.

As you can see, building your ideal home in Central Florida can now be more than just a dream, but a reality. As long as you are well-informed about what you should be doing, how you should be preparing, and what you are getting yourself into, you will definitely have no problems in this endeavor. Remember, these are steps into realizing your new home, and you have the power to make the best decisions. Enjoy your new home in Central Florida!

About the Author: This article was written by Ant Onaf in association with Vanacore Homes (http://www.vanacorehomes.com), a new home builder in Central Florida.

Source: www.isnare.com

Permanent Link: http://www.isnare.com/?aid=226301&ca=Real+Estate

Owner Builders And Home Warranty Insurance – Nsw

By Frank Egan – LAC Lawyers

We are often approached by people who have decided to build their own home as owner builders rather than retain a licensed builder. There is a common misconception that not only will the house be cheaper but owner builders do not bear the same responsibilities with respect to home warranty insurance as licensed builders. As advised in previous articles, licensed builders bear a mandatory obligation to take out home warranty insurance if the value of the contract exceeds $12,000. This insurance protects against the death, disappearance or insolvency of the builder. It does not protect against defects. Where defects cover was previously available it allowed the nominated insurer to compensate the home owner for defects yet they were entitled to recover their losses from the builder/responsible party.

Owner/builders are not necessarily required to carry home warranty insurance during the course of building their own home or when they are living in it, but when they seek to sell the property they are required to obtain a certificate of home warranty insurance. There are a number of brokers and insurers that offer this cover. Where problems arise the buyer can rely upon this insurance for protection. Irrespective many owner builders believe that home warranty insurance is all-encompassing including defects which it is not. There are a number of owner builders including tradespersons who take the view that provided council has inspected the dwelling during the course of construction they don’t bear any liability for defects but council does. This could not be further from the truth as Council has attended as an inspectorial authority to ensure that what is being built accords with what has been approved. It is not there to ensure that the building is without defects or to protect both the owner builder or any subsequent buyer from problems associated with the death, disappearance or insolvency of any person involved with the construction of the dwelling.

Owner builders often forget that where they substitute for a licensed builder they assume the role and responsibilities of the builder and need to ensure that they comply with their statutory obligations. Owner builders have obligations under the NSW Workers Compensation Act 1987 and the Occupational Health & Safety Act 2000. The Occupational Health & Safety Act 2000 extends to include any employees of theirs or anybody who visits the site at any time during the course of construction. Owner builders need insurance to protect both themselves and the site works which can be done by effecting:

1 home warranty insurance;

2 workers compensation insurance;

3 contract works insurance; and

4 public liability insurance.

Home Warranty and Workers Compensation Insurance are required by law. As for contract works and public liability insurance, they are optional and often bundled together and sold as a contractors all risks policy. Essentially the protection under any one of them is not duplicated by the others as they all fit together to provide cover.

It is important to recall that with home warranty insurance it is not issued on a general replacement value basis but is subject to either a limit of indemnity of $300,000 as from 1.3.07 (previously $200,000) or a limit specified and agreed to by the insured to cover the cost of construction. It should always be remembered that this limit may prove to be inadequate because building costs often escalate for any number of reasons including variations and therefore this is something which needs to be watched closely by the home owner. Sometimes builders deliberately understate the actual construction costs to obtain a cheaper premium. It is worth noting that although this area falls under the control of the Office of Fair Trading as home warranty insurance is a matter dealt with by the States, this does not automatically exclude the operation of the Trade Practises Act.

From 1 January 1999 any licensed contractor who contracts with an owner builder to undertake residential building work must provide home warranty insurance from an approved insurer. Currently insurance is required where the work to be performed by that tradesperson exceeds $12,000. For the sake of completeness where an owner builder decides to sell his/her home within a period of six years of completing the work they will need to take out home warranty insurance where the value of the works performed exceeds $12,000. Currently, under home warranty insurance an approved insurer is taken to have admitted a claim after 90 days if they have not obtained an extension of time either from the OFT or the tribunal. Three months or more is a long time to wait for an insurer to respond to any claim particularly given the history normally associated with these matters. Insurers in this area are trying to minimise their financial exposure and although there are a number of safeguards under the legislation these can be easily circumvented.

Legislative changes have also had an impact in regard to making sure that where a property is sold by an owner builder within the six-year period then the contract for sale must include a note that an owner builder permit was issued in relation to the work; that the work done under the permit required home warranty insurance; and attach a copy of the home warranty insurance certificate.

Whether you be home owner, builder or owner builder and encounter any problems associated with building and construction or home warranty insurance please do not hesitate to contact LAC Lawyers on 1300 799 888 to arrange an appointment. Remember, matters only get worse the longer you leave them and the more they cost to resolve. Further reforms are contemplated in this area.

About the Author: Frank Egan is the Chief Executive Officer of LAC Building Construction Lawyers Sydney and has over 27 years of experience as a lawyer.

Source: www.isnare.com

Permanent Link: http://www.isnare.com/?aid=153946&ca=Legal

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