Also does anybody know if you can specify the bale size?
If not what is the standard size?
Thanks
Regards
Neale
neale.brickwood@googlemail.com07798854867
www.ikonland.com
Ikon Land and New Homes Limited
The coach House
2 hereford Road
Southsea
Portsmouth
PO5 2DH
On 9 Jul 2010, at 13:56, Derek Roff wrote:
> I suppose the success of this approach would vary by the laws and
>
traditions in various countries, but it seems very risky to me.
> Insurance companies investigate all big claims, and routinely deny
> coverage to their clients, based on _their_ conclusions about whether
> the terms of the insurance agreement have been honored. Calling a
> loadbearing strawbale building a "timber-frame" might convince a
> company to sell you an insurance policy, but that doesn't mean you
> would actually have any insurance coverage, in the case of a fire or
> other large insurance claim.
>
> If the insurance company denies a claim, the owner must take legal
> action to try and force them to pay. That implies convincing a third
> (fourth, fifth) party that the terms of the insurance policy have
> been followed. I think that would be very tough, in the scenario
> that Andrew describes.
>
> It seems to me that this approach allows
the home owner to pay
> insurance premiums for no actual coverage. Maybe some owners would
> be comfortable with this, if the presence of an insurance policy
> allows them to get a mortgage. However, to pay insurance premiums
> for some number of years, when the insurance company is unlikely to
> pay a claim, seems imprudent to me. Worse, both the insurance
> company and the company that issues the mortgage would seem to have
> solid ground for suing the homeowner for fraud, in the event that the
> house was lost, and the insurance company had been misled about the
> nature of construction.
>
> Instead of endorsing Chug's enthusiastic slogan of "Bale on", there
> is a significant risk that insurance and mortgage companies will have
> a strong reaction of "Bale NO".
>
> Derek
>
> Derek Roff
> Language Learning Center
>
Ortega Hall 129, MSC03-2100
> University of New Mexico
> Albuquerque, NM 87131-0001
> 505/277-7368, fax 505/277-3885
> Internet:
derek@unm...>
>
>>>
>
> Chug,
>
>
> No; as a description of load bearing method as insurance companies
> are nervous about straw as a load bearing building material. This is
> not actually that much of a stretch of the imagination as assuming
> you are using a wooden base and wall plate with integral wooden posts
> for door and window openings, then this timber is doing some
> structural work.
>
>
> regards
> Andrew
>
>
>
> __________________________________________________
> From: Chug <
chug@strawbale-building.co.uk>
> To: European strawbale building discussions
> <
strawbale@amper....muni.cz>
> Sent: Fri, 9 July, 2010 13:09:39
> Subject: Re: [Strawbale] Mortgages on SB houses in the UK
>
> Andrew,
>
> I take it you mean as a description for post and beam and not
> loadbearing as
> you wrote?
>
> and Neale
> I thought you were asking about experience in selling a SB house, but
> if
> it's just a mortgage you are looking for Ecology BS as mentioned, and
> Virgin, and Triodos, but I don't think they will go up to 100%,
> although I
> think they could be persuaded.
>
> bale on
> Chug
>
chug@strawbale-building.co.uk>
http://www.strawbale-building.co.uk> .
> ----- Original Message -----
> From: "Andrew Wilkinson" <
wilkospeak@yahoo....uk>
> To: "European strawbale building discussions"
> <
strawbale@amper.ped.muni.cz>
> Sent: Friday, July 09, 2010 12:25 PM
> Subject: Re: [Strawbale] Mortgages on SB houses in the UK
>
>
> Neale,
>
> I am currently working on two newbuilds in Yorkshire. Whilst I don't
> have
> any
> direct experience of Open Market sales, I am aware that a main
> financier of
>
such
> mortgages would be the Ecology Building Society. I am also aware
> that in
> the
> recent past , those seeking to insure their houses have referred to
> straw
> bale
> load bearing houses as "timber frame with cellulose insulation" to
> overcome
> insurance company concerns.
>
> regards
> Andrew
>
>
>
> ________________________________
> From: Neale Brickwood <
neale.brickwood@googlemail...>
> To:
Strawbale@amper....muni.cz> Sent: Fri, 9 July, 2010 13:21:12
> Subject: [Strawbale] Mortgages on SB houses in the UK
>
> Hi
>
> I'm researching SB housing in the UK and am trying to find out
if any
> have been built for sale on the open market and if so what the
> purchasers experiences were in mortgaging the property and who the
> lenders were
>
> If anyone can help it would be much appreciated
>
> Regards
>
> Neale
>
>
neale.brickwood@googlemail...> 07798854867
>
> www.ikonland.com
>
> Ikon Land and New Homes Limited
> The coach House
> 2 hereford Road
> Southsea
> Portsmouth
> PO5 2DH
>
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