Talk of The Villages Florida
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Talk of The Villages Florida (https://www.talkofthevillages.com/forums/)
-   The Villages, Florida, General Discussion (https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/)
-   -   Unfinished Home Addition (https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/unfinished-home-addition-352562/)

Dotneko 08-30-2024 06:43 AM
Well, if it was still under construction, then The Villages still owns it. I cant remember if it was occupied and then the construction problem happened. I agree that it is probably an insurance issue.

retiredguy123 08-30-2024 06:45 AM
Quote:
Originally Posted by Dotneko (Post 2365426)
Well, if it was still under construction, then The Villages still owns it. I cant remember if it was occupied and then the construction problem happened. I agree that it is probably an insurance issue.
According to the OP, it was an addition, not a new building.

asianthree 08-30-2024 07:06 AM
Quote:
Originally Posted by Dotneko (Post 2365426)
Well, if it was still under construction, then The Villages still owns it. I cant remember if it was occupied and then the construction problem happened. I agree that it is probably an insurance issue.
It’s definitely not a new construction. The addition started roughly mid summer of 2022. It was a slow start took months from foundation to first wall, that didn’t connect to original house structure.
Sometime after the first wall, a tarp went over the roof structure of the rear of home. Unless work is being accomplished inside, it appears all worked stopped when the tarp was added to original structure

DianeP 08-30-2024 07:18 AM
[QUOTE=dewilson58;2365392]
Quote:
Originally Posted by Mrmean58 (Post 2365388)
So the owners are not just dealing with a room addition which can be stressful, their contractor may have started a fire and now you want to report them to ARC?!!! I'm willing to bet the homeowners are also dealing with their home insurance company plus the contractor's insurance company to see who's paying for the damage to the addition plus any damage to the existing structure. But go ahead, report any.[/QUOTE]

Either way, the homeowners' insurance pays the owner and they get reimbursed from the contractor is a separate transaction.
Wrong! We are finally coming to the end of our room addition for our courtyard villa, which was suppose to be done months ago. After they started, I called my agent (State Farm) to inform them of the addition. They told me they do not insure my addition until it’s completed and final inspection from county is done. So here our addition sits with No Insurance coverage and of course we’re at the start of hurricane season. So I’m sure the hold up with that addition is a legal court battle against the builder and who’s paying for the damage.

retiredguy123 08-30-2024 07:30 AM
Here are some things to consider if you are planning an addition to your house. I wouldn't trust a contractor to provide insurance coverage.

"Standard homeowners insurance policies don’t cover homes that are under construction.

If you’re planning short-term home renovations, you can add home under construction insurance (also called a dwelling under construction endorsement) to your policy for additional protection.

For more extensive construction projects or new home builds, you’ll need builders risk insurance.

Builders risk insurance and home under construction coverage protects your home during construction and building materials from theft, fire, vandalism, and storm damage."

DianeP 08-30-2024 07:31 AM
Quote:
Originally Posted by retiredguy123 (Post 2365421)
If it happened over 2 years ago (Post. No. 12), and the property owner has insurance, there has been plenty of time to clean up the site, even if there is ongoing litigation. It doesn't appear to be an ARC issue. The county needs to take some legal action. These things seem to drag on all the time.
Sorry but insurance companies do not insure additions until they are completed and county does final inspection. How do I know, I’m going thru this no coverage on our villa addition until final inspection.

retiredguy123 08-30-2024 07:36 AM
Quote:
Originally Posted by DianeP (Post 2365462)
Sorry but insurance companies do not insure additions until they are completed and county does final inspection. How do I know, I’m going thru this no coverage on our villa addition until final inspection.
See Post No. 21. You may be able to buy additional coverage from your insurance company. If not, I would probably not proceed with the addition. I wouldn't trust a contractor to cover the potential damage.

CosmicTrucker 08-30-2024 07:41 AM
Quote:
Originally Posted by NoMo50 (Post 2365119)
There is a villa, in the Ruby Villas (Village of St. Johns), on Fraser Ct just off Meggison that has an unfinished building addition. There are a couple of partially constructed block walls, and piles of building supplies in the yard. A large section of the roof is covered in heavily weathered plywood. This may sound normal for a building project, but this particular villa has been sitting in this condition for well over a year...probably closer to 18 months. It appears as though a room addition was planned/started, and then abruptly stopped. This unit is not buried deep inside the villa community, but is readily visible from the cart path on the way to & from the Water Lily Bridge. I can't believe some of the neighbors haven't complained about this issue, but it appears as though nothing has/is being done to speed things along. Thoughts?
This home caught on fire during the addition construction.

Ptmcbriz 08-30-2024 07:42 AM
It’s my understanding the owner (having to rent elsewhere since unlivable) is having a battle of wills between the two insurance companies.

DianeP 08-30-2024 07:43 AM
Quote:
Originally Posted by DianeP (Post 2365462)
Sorry but insurance companies do not insure additions until they are completed and county does final inspection. How do I know, I’m going thru this no coverage on our villa addition until final inspection.

Sorry just saw your reply I’m going to call State Farm when they open shortly to see about coverage you mentioned. I’ll be ****ed if they say yes, especially after I was told no by them.

Thank you for the information

retiredguy123 08-30-2024 08:02 AM
Quote:
Originally Posted by airstreamingypsy (Post 2365463)
My thought, since you asked, is keep calm and carry on. It's not your problem.
I tend to agree with you, but, as a taxpayer, I expect the county to do their job.

graciegirl 08-30-2024 08:16 AM
Quote:
Originally Posted by Nana2Teddy (Post 2365400)
There was definitely an extensive fire. Photos of it burning with many fire trucks involved were posted in several southern FB groups back in 2023, and I’m pretty sure it was reported on the online Villages news site. It was caused by a construction worker. Work has been done since the fire, but that was a long time ago, and for many months now it has sat untouched. Every time we pass it, including yesterday, we wonder about it and speculate it’s an insurance issue. Maybe their contractor wasn’t insured? Whatever’s happening it definitely sucks for the homeowners and their neighbors.
Sometimes the homeowners are forced to be in LIMBO, unable to act, for many reasons. I know personally of such a case and a couple neighbor people were leaping about and gnashing their teeth and having bad spells. Failed contractor, who also failed dozens of other people in this state was the worst part and the fact that they had sunk a LOT of money into the addition and pool. Fast forward today, which is several years now granted, but their home is beautifully done and landscaped in a most pleasing way. We can't forget that the people who live there are our neighbors and sometimes patience and understanding goes further than actions to make things more intolerable.

bsouthworth47@yahoo.com 08-30-2024 09:10 AM
Home that caught fire
 
Instead of all the trash talk maybe you should have some compassion for the owners of the house that caught fire. It's sad people run their mouth when they don't know what is really going on. Do you think the owners are happy with what is going on?? I know I wouldn't want to have to deal with what they are going through.

Kenswing 08-30-2024 09:23 AM
Quote:
Originally Posted by Stu from NYC (Post 2365318)
Or knock on their door .
The place was gutted by fire and is boarded up. I doubt anyone will answer the door.

RhondaB 08-30-2024 09:26 AM
Quote:
Originally Posted by Ritagoyer (Post 2365135)
I know which house you are talking about they were adding on to the house and the construction company started a fire in the house, and has been that way I think close to 2 years. Not sure why.
Might have to do with insurance .


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