The Minertaur Posted June 13, 2019 Share Posted June 13, 2019 Just now, Honest Saints Fan said: Try a broker. They have access to specialist markets such as non-standard construction. Yeah that's what I've just done this morning. We went through our solicitor yesterday as they found one last year and they couldn't find anything different from the extortionate renewal. 0 Quote Link to comment Share on other sites More sharing options...
Jacksgranda Posted June 13, 2019 Share Posted June 13, 2019 (edited) 3 minutes ago, strichener said: Councils self-insure. Said it was a longshot... Still, they might be able to give him some advice. (Assuming it is an ex-council house, I don't think that's established yet.) How about people that have bought their flat in a multi-storey, they're concrete panels, how do they get a mortgage/insurance? Edited June 13, 2019 by Jacksgranda sllepnig & grandma 0 Quote Link to comment Share on other sites More sharing options...
FifeSons Posted June 13, 2019 Share Posted June 13, 2019 On 3/21/2018 at 15:40, DA Baracus said: Life insurance, car insurance, home and contents insurance, valuable works of art insurance, leg insurance, phone insurance, pet insurance etc. There are a lot of kinds of insurance. Do you have any? How much do you spend a month on insurance products? I was just thinking about this as I realise that I don’t, and never have had, any kind of insurance at all. But then I don’t own anything worth insuring. I've worked in insurance since I finished uni, but don't have any insurance myself, ironically... You probably should get some though. 0 Quote Link to comment Share on other sites More sharing options...
sjc Posted June 13, 2019 Share Posted June 13, 2019 2 hours ago, The Minertaur said: No - this is what it says in the home report: "The property is of non-traditional construction known as the Kincorth System, compromising pre-cast concrete panel side walls with infill masonry/timber at the front and rear elevations" Sounds like a "prefab" (prefabricated). The reason for insurance companies being wary of them is due to the erosion of the connectors and fixings in the prefabs dating back to just after WW2. When was you house built? 0 Quote Link to comment Share on other sites More sharing options...
ICTChris Posted June 13, 2019 Share Posted June 13, 2019 How much is everyone's life insurance worth? My missus gets well over £250,000 when I die. 0 Quote Link to comment Share on other sites More sharing options...
Jacksgranda Posted June 13, 2019 Share Posted June 13, 2019 38 minutes ago, sjc said: Sounds like a "prefab" (prefabricated). The reason for insurance companies being wary of them is due to the erosion of the connectors and fixings in the prefabs dating back to just after WW2. When was you house built? Were pre-fabs not metal? 0 Quote Link to comment Share on other sites More sharing options...
sjc Posted June 13, 2019 Share Posted June 13, 2019 1 minute ago, Jacksgranda said: Were pre-fabs not metal? Not all of them I don't think. Although the ones I surveyed back in the early 90s were..... It's a common house building practice here in Japan where the houses tend to be replaced every 50years. 0 Quote Link to comment Share on other sites More sharing options...
Jacksgranda Posted June 13, 2019 Share Posted June 13, 2019 (edited) 16 minutes ago, sjc said: Not all of them I don't think. Although the ones I surveyed back in the early 90s were..... It's a common house building practice here in Japan where the houses tend to be replaced every 50years. All the ones I worked on were metal (aluminium bungalows they were called). Of course, that doesn't mean there weren't other types of pre-fab. Edited June 13, 2019 by Jacksgranda missed out a word - daft old c*** 0 Quote Link to comment Share on other sites More sharing options...
mizfit Posted June 13, 2019 Share Posted June 13, 2019 How much is everyone's life insurance worth? My missus gets well over £250,000 when I die. Worth nothing because I don’t have it. I’ll get some when we have a mortgage. Interestingly enough I was looking at my companies benefits package last night and it turns out if I ever get diagnosed with cancer I get £10k. 0 Quote Link to comment Share on other sites More sharing options...
sjc Posted June 13, 2019 Share Posted June 13, 2019 13 minutes ago, Jacksgranda said: All the ones I worked on were metal (aluminium bungalows they were called). Of course, that doesn't mean there weren't other types of pre-fab. You might be right.....but the issue was definitely the connectors and fixings as opposed to it being the panels themselves, regardless of the material they were made of. 0 Quote Link to comment Share on other sites More sharing options...
Jacksgranda Posted June 13, 2019 Share Posted June 13, 2019 (edited) 36 minutes ago, sjc said: You might be right.....but the issue was definitely the connectors and fixings as opposed to it being the panels themselves, regardless of the material they were made of. Oh, aye, the connections were rotten in many instances, I wonder what state they were in in the ones that had been sold. The panels weren't a problem as far as I can remember, they were usually overlaid with insulation and finished with a fancy render. ETA: New aluminium starter posts will be fitted at the corner and intermediate supports and bolted to existing members a per N.I.H.E. Standard Details. New fibreglass insulation will be fitted in existing gable wall of No.26. The existing aluminium profiled panels on the front, rear and gable external walls will be removed and replaced with a new external wall insulation and render system which includes enhanced insulation in the form of 70mm phenolic insulation board complete with acrylic finish. That's the sort of thing we were at. Edited June 13, 2019 by Jacksgranda 0 Quote Link to comment Share on other sites More sharing options...
The Minertaur Posted June 13, 2019 Share Posted June 13, 2019 1 hour ago, sjc said: Sounds like a "prefab" (prefabricated). The reason for insurance companies being wary of them is due to the erosion of the connectors and fixings in the prefabs dating back to just after WW2. When was you house built? We think 1965 but it could have been anything between 61-65. 0 Quote Link to comment Share on other sites More sharing options...
welshbairn Posted June 13, 2019 Share Posted June 13, 2019 1 hour ago, ICTChris said: How much is everyone's life insurance worth? My missus gets well over £250,000 when I die. I'd make your own tea. 2 Quote Link to comment Share on other sites More sharing options...
Granny Danger Posted June 13, 2019 Share Posted June 13, 2019 9 hours ago, The Minertaur said: No - this is what it says in the home report: "The property is of non-traditional construction known as the Kincorth System, compromising pre-cast concrete panel side walls with infill masonry/timber at the front and rear elevations" Do you have a mortgage? There’s a house type in Dundee of which many hundred were built and no one will give a mortgage on them as they are “non-traditional construction”. 0 Quote Link to comment Share on other sites More sharing options...
Sergeant Wilson Posted June 13, 2019 Share Posted June 13, 2019 9 hours ago, Sergeant Wilson said: Did you get a mortgage on it? No advice, but I know mortgage lenders avoid concrete panel houses. @Melanius Mullarkey is to blame. 1 hour ago, Granny Danger said: Do you have a mortgage? There’s a house type in Dundee of which many hundred were built and no one will give a mortgage on them as they are “non-traditional construction”. Keep up old boy! He dingied me, sounds like he bought it cash for a bargain, now his chickens have come home to roost and he lives in a big coal bunker. 0 Quote Link to comment Share on other sites More sharing options...
die hard doonhamer Posted June 13, 2019 Share Posted June 13, 2019 8 hours ago, ICTChris said: How much is everyone's life insurance worth? My missus gets well over £250,000 when I die. £200k plus a death in service benefit of 8x my annual salary. I'm worth more dead 0 Quote Link to comment Share on other sites More sharing options...
highlandcowden Posted June 14, 2019 Share Posted June 14, 2019 some insurance is obligatory,not much you can do about that if you own a car for example. if you own a property buildings insurance is a pretty good idea everything else,a big con playing on your fears-far better off saving the money and investing it somewhere that gives you a decent return and is accessable in case you need it 0 Quote Link to comment Share on other sites More sharing options...
throbber Posted June 14, 2019 Share Posted June 14, 2019 This thread is bound for the gold forum. 0 Quote Link to comment Share on other sites More sharing options...
hk blues Posted June 14, 2019 Share Posted June 14, 2019 2 hours ago, highlandcowden said: some insurance is obligatory,not much you can do about that if you own a car for example. if you own a property buildings insurance is a pretty good idea everything else,a big con playing on your fears-far better off saving the money and investing it somewhere that gives you a decent return and is accessable in case you need it Sounds good in theory but what if you need the cash before you have accumulated enough to cover the emergency cost - at least with Insurance your're covered from the outset (in the main)? 0 Quote Link to comment Share on other sites More sharing options...
Cardinal Richelieu Posted June 14, 2019 Share Posted June 14, 2019 18 hours ago, mizfit said: Interestingly enough I was looking at my companies benefits package last night and it turns out if I ever get diagnosed with cancer I get £10k. My work have a "Death in Service" scheme which pays out 3 x your annual salary in the event of your death. I had a friend there who thought you actually had to die in the office for it to pay out - and thinking that wasn't very likely, put her pet rabbit as the sole beneficiary. She died of stomach cancer a couple of years later ... at least someone managed to persuade her to change it before she died. 0 Quote Link to comment Share on other sites More sharing options...
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