Showing posts with label Planning. Show all posts
Showing posts with label Planning. Show all posts
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Community Space: Assembly Occupancies

It does not matter if you design your space to be a home and then decide later to host tours or building workshops. Once you open it to the public, the space will no longer be considered just a residence and you will need to acquire adequate permissions and permits in order to continue using the space for public use.

An Assembly Occupancy is what the Building Code considers a space for public accommodation that is not a business, school, or industrial site. Usually the space will be deemed an A-3 occupancy, which is for public spaces other than restaurants without fixed seating. So, if you want to avoid having your classes shut down and avoid having to do a lot of expensive upgrades to the space later to make it meet Code, plan now for it to be considered an Assembly Occupancy (minus the expensive fire sprinklers). It will cost a little more. It may take a little longer in design. It may not look exactly the way you hoped. But, you may find that these accommodations will make your home perform better for day-to-day use anyway.

Plan ahead. Spend some money now. It will cost much less now than later.

You will likely have to design the structure according to stringent rules for occupant safety and accessibility.
To make a bathroom that is accommodating for everyone (and doubly so if the space will ever house a public function like parties, tours, or workshops...), use a 3 foot door, so people with crutches or in a wheelchair can use the space. Include a minimum 5 foot round empty space (5 foot is the spinning diameter of a wheelchair) and place the sink, toilet, and bathtub around the outside of that. Use a wall-mounted sink and make sure there is a 26 inch high clear space under it so wheelchair users can wheel up to the sink and use it. Add ADA-compliant hardware and include a floor drain in the center of the space with a beautiful cover on it. You may find that you will thank the Code for this requirement someday when you need to wash the skunked dog or dump buckets of mop water from some minor disaster and can hose the place down when you are finished. Put a sign on the bath noting that is a handicapped unisex bathroom.

There will likely be maximum hall lengths and maximum distances between the furthest corner in a usable space and an exterior door (usually 75 feet). Sometimes they will make you install mechanical ventilation and electrical outlets every 7 feet. There will likely be sewage/septic requirements and you will want to have a drinking fountain or a filtered water bottle available. The publicly-accessible parts of the building will have to be handicapped accessible. This is easier if you just plan a minimum of 3 feet clear floor space around every obstacle (like a curve in the planter), plan 4 foot wide hallways on the public corridor, and make all stairs at least 36 inches wide at the inside of the railing (That is about a 40 inch wide stair tread in most cases). The area on the handle side of a door will have to be open (without projections or walls in it) a foot or so beyond the door is wide. There will not be able to be steps between the public parts of the space and the exterior or they will require rails. If you plan on cooking greasy foods and not just bringing cold foods and using crockpots for your guests, that means big grease traps and expensive ventilation. (If you use crockpots you will want to have lots of counter space and extra plugs.) Smoke detectors will be required and possibly a fire alarm. You may have to install a fire sprinkler later. (It can be fed by the pond in some cases.) There will likely have to be a phone in case of fire so you can call the fire department. You will need a mop or service sink in the mechanical room, which you should have anyway if you really want the space to work as well as possible. Install exit signs to guide people back outside.

The key ingredient here is to make sure you use the services of a licensed architect either now or later to make sure you have all the things you need to meet the Assembly Occupancy requirements. We are not attempting to serve as architects here and do not claim to have knowledge of your local Code considerations or what your permitting authority will and will not accept. However, this area deserves some careful consideration and we are offering some guidance to make it as painless as possible for when you hire a local architect to help navigate the process.

There is a great mounting height diagram to help you make your bathroom ADA compliant from the outset at http://img.docstoccdn.com/thumb/orig/159038643.png







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#Astrologically Correct Timing - When to Cut Timber and Do Building Projects

We know how the moon affects tides here on earth… when the moon is full, the tides are highest, and when the moon is new, the tides are lowest. Well, the same gravitational pull between our planet and her orb pulls water up not only into the atmosphere, but into our bodies, the trunks of trees, the leaves of plants, and even into solid rock!

It was once common knowledge that if you wanted lumber to last, you harvested the wood on certain days. Or if you wanted your firewood to burn as long as possible, you would harvest that on certain days too. There is a great book called Moon Time – The Art of Harmony with Nature and Lunar Cycles by Johanna Paungger and Thomas Poppe which goes into many chapters worth of detail about these traditional ways of building. But allow us to offer a brief overview here so you can determine whether you might want to use correct timing to fell your wood and build your home. We will not get into all the “whys” - you can grab the book if you would like to know the details! We will at least give you the “whens”!

For me, the biggest benefit of connecting buildings to the movements of the planets is more about connecting to the cosmos than it is about astrology or right timing. The functional benefits are a perk of setting my intentions!

The moon is waning after the full moon and before the new moon. The moon is waxing after the new moon and before the full moon. As with everything, the ideal wood cutting astrology dates may vary slightly by region. Check to see if your area has its own criteria.

If you would like to find out where the moon is today, or for any days this year, please check out our friend Molly Cliborne Gauthier’s Google Plus Moon Calendar at:


 
Best days for Cutting Wood
 The three days after the new moon each month, in winter when the moon is waning, February evenings when the moon is waning, September 27, December 21.

Non-rotting Hardwood

 New Years, January 7, January 25, January 31-Feb 2, the last two days of the moon on the wane in Pisces (usually in March).

Fire-resistant Wood                         
 

March 1st after sunset, any day the new moon is in Libra, 48 hours before the new moon in March, the last day before the new moon in December.

Non-Shrinking Wood

 December 21.

Firewood                                        
 

The first seven days of the waxing moon in October, after the winter solstice when the moon is on the wane

Planks & Building

 Waxing phase of the moon in Pisces.

Floors & Tools

Scorpio days in August (peel the bark immediately).

Load-Bearing Walls, Concrete & Stone, Stairs, Electrical
 

Anytime.

Site Inspections & Geotechnical Reports
 

Moon is waning, close to the full moon if possible so the water table is as high as it should get.

Excavation
 

Moon is waning, preferring earth days ruled by Taurus, Virgo, and Capricorn.

Foundations
 

Avoiding watery days ruled by Cancer, Scorpio, and Pisces.

Basements & Cellars
 

During light and warmth signs – days ruled by Gemini, Libra, Aquarius, Aries, Libra, and Sagittarius.

Earth & Concrete Ceilings
 

Avoid days ruled by Leo.

Walls
 

During the waning moon.

Wooden Stairs, Windows & Doors, Wooden Floors, Setting the Roof Trusses or Vigas, Ceilings, & Paneling, Paving Stones, Verandas, Paths
 

During the waning moon, preferable on days ruled by Capricorn, avoiding Cancer days.

Plumbing
 

Cancer, Scorpio, and Pisces days.

Plaster, Exterior Cladding, Floor Coverings
 

Moon is waning.

Paint, Varnish, Waterproofing, Gluing
 

Moon is waning, not on Leo or Cancer days, or Scorpio or Pisces Days either when drying is involved.

Turn the Heater on the First Time
 

Moon is waning, on Aries, Leo, and Sagittarius days.

Best days to ventilate or “air out” the house

 Days ruled by Gemini, Libra, Aquarius, Aries, Leo, Sagittarius.


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Insurance for the Earthship or Non-Traditional Home

By Debra Bailey of Brown and Brown Insurance of Taos

You may have already discovered that finding a company to insure the non-traditional homes, including earthships, strawbale, or berm-homes can be a challenge. That is because insurance companies promulgate their rates based on statistics and use the law of large numbers. Thus far, we do not have a population of these homes adequate to provide the necessary supporting data required by our state’s admitted carriers.
There was a time when it was impossible to insure these homes, but we have made progress. Currently, there are a few Surplus Lines Carriers that will insure these homes on either a Dwelling Fire Policy or a Homeowner’s Policy. We will provide more information regarding these policy types further in this chapter.

Q &A with Debra:

How do I know if my home is properly insured?
 
Quite often, clients come to me asking that I review their current policy, and I find that they actually do not have a Homeowner’s Policy, but rather the more limiting Dwelling Fire Policy.

For the policyholder, it is important to know there is a difference in the Dwelling Fire Policy and the Homeowner’s Policy. If you do not see these words on the policy’s declaration page, look at the policy form numbers for these identifiers: DP-1, DP-2, DP-3, HO-2, HO-3, HO-5. The DP forms represent the Dwelling Fire Policy forms. The HO forms represent the Homeowner’s Policy forms.

HO Policies provide broader coverage than DP Policies. If the insured home is OWNER occupied as either a primary or secondary home, purchasing a Homeowner’s policy is required. If the home is tenant occupied, then it is appropriate to insure it with a DP Policy.


Why is my agent asking me to sign a disclosure statement acknowledging that my home is insured with a non-admitted carrier? What does that mean?
 
An admitted carrier is an insurance company that has been approved by the state’s insurance department.
The insurance company must comply with state insurance regulations, and in the event the insurance company fails financially, the state will step in to make payment of claims.

A non-admitted carrier is an insurance company that has not been approved by the state and does not have the backing of the state’s guaranty fund in the case the company becomes insolvent.

By law, if an agent places your insurance through a Non-Admitted carrier, they must inform you of this and the agent will document their disclosure by having you sign the disclosure statement.


Is being insured by a non-admitted carrier a bad thing?
 
Not necessarily. While it may seem as if admitted carriers are the clear winner between the two types, there are other issues to consider as well. Insurance companies are given letter grades form A++ to F. The grades are calculated by a credit firm called A.M. Best, which has been rating insurance companies since 1906.
The A++ is the best and highest rating, while the F is the lowest rating a company can receive. So, though a company may be a Non-Admitted Carrier (such as your Lloyd’s companies), this company could have a financial rating of A++. And, you may have an Admitted Carrier with a C rating. Which would you prefer? I would definitely prefer to take my chances with the A++ Non-Admitted Carrier.

Any carrier with an “A” rating or better is a good bet.


What is the right amount of insurance to purchase on my home?
 
The subject of one’s home value can be a confusing subject. If you look at a home appraisal, you will find that most appraisals reflect the current market value. This is a reflection of the economic conditions for “resale value” of homes in a geographic location. Often times, however, people who build non-traditional homes participate in the building of the home, and do not actually know what it would cost to have a professional contractor build the home.

However, the bottom line is this: Your home should be insured for the current Replacement Value. Should you sustain a loss, the insurance company is obligated to pay a professional contractor to restore or rebuild your home. Due to the current economic climate in most areas of the US, the market value of an existing home is lower than new home construction cost.

It is wise to work with your insurance agent, and have them complete a Replacement Cost Estimate on your home. After providing facts about the features of your home, including square footage, exterior wall material, interior wall material, flooring, ceiling, number of bathrooms, special features such as skylights, solar panels, water filtration systems, heating and cooling systems, etc. your agent can determine the replacement value for your property.


What if I don’t want to insure for full replacement value?
 
Most insurance policies require that you insure your home for full replacement value because contractually, if your home is a total loss, they are required to rebuild the home in its entirety.

Additionally, personal property insurance policies contain wording in the contract called the Co-Insurance Clause. This states that, if your home is insured for less than 80% of Current Replacement Cost, at the time of the loss, the insured’s claim can be penalized proportionate the amount the home is under-insured. You purchase insured to be fully protected. You don’t want to discover, at the time you have a claim, that your home was UNDERinsured, and you will be penalized in your claim settlement.

If my home were destroyed, I wouldn’t rebuild anyway, I just want X-Dollars to help me start over somewhere new. Is this possible?
 
It is rare to find a property insurance policy with a cash-pay-out feature. And the few that exist are homeowner’s policies where it is a stipulation that the home be insured for full replacement value. Ordinarily, the Homeowner’s and Dwelling Fire Policies state that the insurance company will rebuild or repair the home, and at the same property location. If you are interested in a policy with the cash pay-out feature, discuss this with your agent.


Does it matter if I shop for insurance on-line, go to an exclusive agent or an independent agent? 
 
I love shopping on-line and once I have done all my research and I KNOW my product, I feel confident to see where I can get my best deal: Amazon vs. E-Bay vs Best-Buy vs Target, etc. This works for price comparisons on a staple product. But, when I need professional guidance and consultation, I prefer to seek counsel with a professional. A consultation with a personal insurance agent is far more than “just getting a quote.” You can obtain a price quote on-line or by phone. But, I highly recommend that when considering insurance, you do more than get a quote.

Schedule a visit with a licensed agent to discuss your assets, your exposures and your financial/insurance needs. Let this agent provide counsel that will provide choices and a range of coverages to best meet your needs.

So, having said that, let’s talk exclusive agents vs independent agents.

The exclusive agent is licensed and authorized to write with one specific insurance company.

The independent agent is licensed and authorized to write through a variety of companies. This may be advantageous, especially with the non-conventional homes. An independent agent my offer a wider variety of choices to meet your insurance needs.

I am ready to insure my home. What type of information will I need? How do I get started?
 
Before you waste a lot of time disclosing details, ask the agent outright, “Do you have a market to insure an earthship home? “ Or, whatever type of non-traditional home you may own or be about to purchase.
Many agencies do not, and this will save you a lot of time. If you are working with a builder, they may work with an insurance agency that has already worked out how to work within the constraints of the kinds of homes they build. As the leading agent in New Mexico for insuring earthship homes, we are listed on the website for Earthship Biotecture.

Once you have found an agent that has a market, dig a little deeper. If you need to insure a home that you intend to occupy as a primary or secondary home, ask, “ Can you provide a homeowner’s policy or only the Dwelling Fire Policy?” If this agent can only provide a Dwelling Fire Policy, you may want to keep searching. If you intend to occupy the home yourself, you should be able to find a Homeowner’s Policy.

Seek an insurance agent who has a knowledge of sustainable living home design and is working to educate the insurance underwriters on the design and structure of these homes.

Once you have identified the agent that has an insurance market that might meet your needs, you will need to present the following information about your home:

Year Built, Square footage, Exterior Wall construction type, interior wall construction type, shape and type roof, flooring type, ceiling type, Heating type, supplemental heating sources, garage – detached or attached, location address, distance to nearest responding fire department; is there a fire hydrant within 1000 feet of the home? Do you have dogs? Breed of dog. Any business on premises? List of special features, such as skylights, special filtration systems, etc.

Have you had prior home insurance? Name of your prior carrier? Any prior claims/losses?

The underwriter will also need your personal information: name, date of birth, occupation.

You will usually need to provide at least two color photos of the home: Full view of front and full view of back. Some carriers may request additional photos. If you have construction drawings of your home, they may prove useful.

If there are additional structures such as storage buildings, outbuildings, detached garage or carport, photos of these structures may be required as well.


How do I choose a deductible? 
 
Property policies include a deductible applicable to physical loss claims. I would recommend choosing the highest deductible you can afford to incur at the time of a loss. I recommend that people think of their home insurance as their back up plan in case of a catastrophic loss. So, if you know you can afford to repair your home for damages within say $5000, why pay the higher insurance premium for a policy with a $1000 deductible. Purchase a policy at a lower premium with a $5000 deductible. Everyone has their own comfort zone. For some it is $1000, for some it is $2500 or $5000. For some it may be as high as $10,000. When shopping for insurance, you should find a range that is in your comfort zone and ask your agent to provide quotes using a deductible range that falls in your zone. For example, compare the insurance premium on a policy with at $1000 deductible, a $2500 and a $5000. Then, you can make an informed choice.


Homeowner’s Policy 101:
 
The Homeowner’s Policy will include a Declaration of Insurance which will reflect your name, mailing address and the Property Location. It will list your coverage limits. These are comprised of the following:
Dwelling – The limit of insurance applicable to the main dwelling structure.

Other Structures – The limit of insurance applicable to the other structures on the premises such as a detached garage, a storage building, fence, chicken coop, dog house, well shed, fence, statue, water fountain, etc.

­Personal Property – The limit of insurance applicable to everything inside your home that is not attached to the structure, such as furniture, rugs, clothing, electronics, etc. Important note: Every policy has limitations written into the contract that provide limitations on certain classes of personal property such as jewelry, oriental rugs, property used for business, and more. Read your contract and/or discuss these with your agent to learn how to extend your coverage to meet your personal needs.

Personal Liability – The limit of insurance applicable to pay others in case you are held liable for injury to another person or damage to the property of others.

Medical Payments – The limit of insurance applicable in case someone, other than you or members of your household are injured on premises. There are special provisions and limitations concerning employees, contact labor, etc. Discuss these special circumstances with your agent.

Policy forms vary. Some are written to provide Replacement Value on your home and applicable to your personal property. Others are written to insure for Actual Cash Value (replacement cost less depreciation). Discuss this with your agent to be sure you know what you are purchasing.

Dwelling Fire Policy forms are most often used for homes that are tenant occupied. The dwelling and personal property may be insured for either Replacement Value or Actual Cash Value for perils such as fire, smoke, windstorm, hurricane, hail, vandalism, burglary/theft. Do not assume each of these perils is included in your policy. The perils coverage provided must be stated in the policy. The Dwelling Fire Policy is not a comprehensive package, but rather a policy that is built line by line. For this reason, it is not safe to assume that one policy is equal to another. You must be certain that each coverage has been added and rated into your package.

It is very important that you look for your Personal Liability coverage on this policy. I have reviewed a lot of policies where the agent did not include this protection and the customer was unaware. Failure to include this protection will result in a serious gap in your insurance protection.


How much Personal Liability Insurance should I purchase?
 
That is like asking, ‘how high is high?” There is not definitive answer. Any of us are at risk of the unknown, unexpected. The basic Homeowner’s or Dwelling Fire Policy will offer coverage options ranging from $25,000 to $500,000. The increased premium for the higher limit is nominal. Therefore, I strongly recommend the maximum liability available through your carrier. For added protection, you may wish to speak with your agent about a Personal Umbrella Policy that provides excess liability over your basic policy. Should you find yourself in court as a result of an accident that led to a serious injury or fatality, the dollar amount of the settlements can easily add up to millions.

“You can’t get blood out of a turnip,” is a phrase I’ve often heard spoken by the individual who believes his assets do not warrant concern or the need for higher limits of liability insurance. Most often this person does not realize that if the court awards a settlement of, let’s say, $1million, and his personal liability limits $50,000, the insurance company will pay out the $50,000 and the court will hold the individual liable for the remaining $950,000. This places your assets at risk, which will include your savings, your retirement account, and future earnings.


If you are considering your need for higher limits of insurance, please consider these facts:
 
Have you ever hosted a party at your house? You could be held responsible if a guest is injured on your property or causes an auto accident after being served drinks in your home. If a lawsuit is brought against you, your current assets and part of your future earnings could be at risk.

The following incidents affected real customers who were protected with a Personal Umbrella Policy:
  • An insured was a chaperone for his child’s field trip and one of the children was seriously injured resulting in a payment of $850,000.
  • An insured lost control of their vehicle during a rain storm and caused two fatalities resulting in a payment of $2 million.
  • A swing set broke at a birthday party and injured a guest resulting in a payment of $1 million.
  • An insured’s son got into a fight at school injuring another student resulting in a payment of $1 million.
  • An insured was skiing and colided with another skier causing an injury that resulted in permanent paralysis; resluting in payment of $5 million.
Now, look at what can happen if you DO NOT have a Personal Umbrella Policy.
If you have only $300,000 liability coverage and you are sued for a $1 million claim,
without a Personal Umbrella, you could personally be on the hook for $700,000.
 
A Personal Umbrella policy protects you and your family with:

Additional liability coverage from $1 million to $5 million for your primary and secondary homes, rental properties, automobile, motorcycle, watercraft, recreational vehicle and more

Legal defense fees – even if it’s a frivolous case, the defense cost alone could add up to Thousands of dollars

The information provided within this chapter merely scratches the surface on the subject of personal property insurance. It is not intended to replace the counsel of your personal insurance agent, nor replace your policy contract.

The bottom line is that you should choose your insurance agent as carefully as you would your medical physician or legal advisor. Your financial future is at stake. Plan to set up at least one meeting per year for an insurance review with a trusted insurance consultant. Discuss any pertinent changes in your property and/or lifestyle that might warrant a change in your insurance protection needs.


                                                                                                                                                              

Debra 9-8-14 (Custom)Debra Bailey is a veteran agent with over 20 years experience in the field of property and casualty insurance. Debra is the foremost expert in obtaining insurance for earthships in the US, working through Brown and Brown Insurance in Taos. Debra will help readers navigate requirements to obtain insurance, and will answer insurance-related questions that have a direct effect on your ability to obtain financing.