Cob: Insurance

[Darel Henman]

Dona,
  I can only recommend a quick call to your insurance agent.  Tell him
the details and you should get a quick enough answer.   There are many
kinds of policies.  But, I would be careful, of escape clauses in the
insurance contract that might say, something to the effect that items
lost due to faulty or illegal buildings shall not be covered", or some
legalese to that effect.  Just tell the insurance agent all the details
and see what he has to say.  You might call more than one to get another
opinion.

 However, to insure the structure itself, I agree with you, it would
almost have to be a properly licensed structure.

Darel

DONA ENGELHARDT wrote:
> 
> Hi all,
> Thanks for your helpful comments on cob and cold temps.
> 
> I currently have home owners insurance which covers my house and its
> contents.  Does anyone know how this is handled when owning a cob home?  I
> can't imagine the insurance company not putting up a fight to insure the
> structure and its contents.  I'm assuming I'd just have to insure the
> contents and rely on the fact that I built the cob house well enough so as
> not to worry about it.  This comes up for me as it seems the West is on fire
> and the East is underwater!  I know cob is stronger than conventional
> housing as well as fireproof, but I'm sure the forces of nature could send
> something my way that it couldn't withstand and I'm still a little too
> mainstream to feel comfortable without insurance coverage!  Does anyone have
> any knowlege or experience in this area?