From In-Portal Developers Guide

Typically, the construction of a country house lasts from several months to six months or longer. During this time, on-site can occur all, and well, if the incident would lead only to additional expenditure of the customer, and it happens that we have to postpone the long-awaited new home for an indefinite period. However, most buyers of projects related to problems encountered during construction, as a necessary evil, not realizing that the burden of unexpected costs can take on the insurance company.

Before or after?

We are used to insure we offer something concrete: the life, health, car, apartment, house, finally. And unless you can insure a cottage which is not built yet? It turns out you can. Let's say you found an architectural studio that developed the project at home that meets all your requirements. The next step - find contractors to make your dream a reality. And builders are selected, estimates are, and work has begun to boil. The ideal case - the construction is without incident, the house is being built on time, and you are happy to sign the act of acceptance and surrender. However, the reality is often far from ideal. A typical example of one fateful night of expensive building materials were brought to the area, disappear, hired caretaker left the town red, and the police, as always, is powerless. Finally, forest fire or spring floods destroy partially built home. Let's knock on wood, that neither they, nor any other problems do not prevent the implementation of your plans (Olsztyn Ergo Hestia). But since this is not a guarantee of successful completion, better to shift risks onto the shoulders of those who see them as a subject of his work.

Where to begin risks

During the construction of the cottage you can enter into a contract of insurance against the following risks: - Fire, explosion, lightning, aircraft crashes; - Tornado, hurricane, storm, typhoon; - Avalanches, mudslides; - Floods, rain; - Collapse, landslide, subsidence, flooding of ground water; - Earthquakes; - Acts of third parties, burglary, robbery; - Failure of utilities (water, sewer, heat, electricity); - Installation errors; - Collapse or damage to the facility, including the collapsing or falling parts; - Some other sudden or unexpected events on the site. Of course, first of all insurance subject to the object under construction, as well as all the risks associated with construction work. For example, the risk of fire, in which can burn part of the already constructed house. Another dangerous natural disasters that result in an unfinished house can be flooded with water due to heavy rain and hail destroyed or fallen tree. There is also a risk of damage to the unfinished sites from illegal actions of third parties. When insuring the contract often included as building materials and construction, were brought to the site, and the cost of labor, transportation, and even customs duties and taxes (if applicable). For what purpose? Imagine that as a result of unforeseen circumstances of an unfinished cottage disappears or is damaged expensive material, for example marble grand staircase, imported from Italy. Then the customer is not only to re-purchase the marble slabs abroad by paying their transportation and customs clearance, but also to pay for the re-work contractors. If these risks are taken into account in the insurance contract - the costs will take on the insurance company. The main thing - to include in the agreement only real risks. For example, if all the building materials are purchased in our country, there is no need to make an insurance contract risks related to customs clearance. As a rule, property insurance liability - business construction company. But it is useful and protect their interests in connection with the need to compensation for damage caused during the construction of the health or property of third parties (or broke the neighbor's fence, God forbid, collapsed beams stabbed neighbor). In addition, the insurance company will compensate the costs for clearing the area of