kilativ (kilativ) wrote,
kilativ
kilativ

Другие аспекты домостроительства

Раз уж речь зашла о каркасниках и каменных домах, то стоит обсудить два аспекта, которые часто упоминают: себестоимость и страховка.

Начну со страховки:
If and insurer wants to set its premium for a group of homeowners, it first divides the losses associated with that group by its exposure (the amount of property value insured). If during the previous year, the losses for properties valued at $100 million totaled $500,000, that result would be .5 cent per dollar of property value, just to cover losses. This figure is called a "pure premium."
Next, the insurer determines its administrative and other costs, like commissions and taxes, and builds in its desired profit. That is usually expressed as a percentage and is called the "expense ratio." Dividing the pure premium by 1 - the expense ratio generates the gross premium, which is what customers pay.
If the insurer's expense ratio is 27.6 percent, the industry average according to the National Association of Insurance Commissioners, the gross premium would be .5 cents / (1 - .276), or .69 cent for every dollar insured. That's an annual premium of $690 for every $100,000 of coverage.

То есть, если каркасники в данной местности регулярно улетают на воздуся, то, как мы видим, это резко увеличивает loses и, как следствие, количество выплат будет расти. Тут нет благотворительности. С другой стороны если дома дешевые - их дешевле отстроить и потому стоимость страховки ниже. Но тут нюанс - считают не от рыночной стоимости дома, а от себестоимости его постройки. Дома могут быть очень дорогими, поскольку стоят в дорогом месте, но это не влияет на стоимость их возведения.

Вот что в реальности влияет (из того же источника):
Replacement cost of the home (higher cost = higher rates)
Age of the home (newer homes can be cheaper to insure)
Home square footage (larger homes are more expensive to rebuild and have higher premiums)
Number of primary inhabitants (larger households increase potential liability)
Construction type (fire-safe materials like masonry are cheaper to insure than wood)
Roof type (fire-retardant asphalt or metal is preferable to wood shakes)
PPC (Public Protection Classification, which measures proximity of fire station, police, hydrants, etc. A "1" is the best; a "10" is the worst.)
Area claim history (if neighbors file lots of claims, it can increase your rates)
Personal claim history (if you file more than average claims, your rates will be higher)
Pets (dog with bite history or breeds considered more dangerous can increase rates)
Owner's credit score (statistics show that people with lower score file more insurance claims)
C.L.U.E. report of the property, which lists claims filed by the previous owners in addition to you. If the cause of the claims has not been resolved, your rates will be higher.
Security or alarm system (alarms and monitoring help decrease rates)
Fire alarm system
Deadbolt locks
Neighborhood crime rate (higher crime areas cause higher insurance rates)
Attractive nuisances (swimming pools, ponds, machinery, playground equipment, trampolines) increase liability potential and insurance premiums

Я выделил то, что имеет отношение к обсуждаемому вопросу: чем прочнее ваш дом, тем ниже стоимость страховки, чем больше стихийных бедствий в округе и с вами ЛИЧНО, тем стоимость выше. Ну и базовая стоимость дома, конечно.

Теперь к стоимости строительства дома. И тут САМОЕ интересное:
While wood is more affordable than brick, according to a 2017 study conducted by RSMeans and the Brick Industry Association, the national average total construction cost of a clay brick-sided home is only two percent more than wood and fiber cement. So it's cheaper but not by much
“Brick is mostly impervious to those elements that plague wood exteriors. Insects do not eat brick, and brick does not rot. Brick is not impervious to water, but if the brick is installed properly it can get wet and dry without damage. Over long periods of time, brick can erode like stone from high winds, ice fractures, and through the process of expansion and contraction, however, that is a very lengthy process.”

То есть, как ни крути, каркасники там, где ветер разносит дома будут дороже для страховки при этом не сильно дороже в постройке. Однако, при покупке НОВОГО кирпичного дома тот будет стоить сильно дороже каркасника в силу востребованности. Но его строить гораздо дольше и потому строители предпочитают быстрый оборот и строят именно их.
Tags: Америка, экономика
Subscribe

  • А вот это интересно

    Light-to-moderate alcohol consumption is linked to a reduced risk of heart attack, stroke and death among those with heart disease, according to a…

  • Опять??

    Более трети населения США хотят разрушения своей страны - отделения от федерального центра. Причем если на Юге за в основном республиканцы и…

  • Дома дорожают, но народ выселяют?

    MIAMI IS hot—especially if you are selling a home. House prices are 20% higher than a year ago. And unlike other big American cities, rents are up…

  • Post a new comment

    Error

    Anonymous comments are disabled in this journal

    default userpic

    Your reply will be screened

    Your IP address will be recorded 

  • 26 comments

  • А вот это интересно

    Light-to-moderate alcohol consumption is linked to a reduced risk of heart attack, stroke and death among those with heart disease, according to a…

  • Опять??

    Более трети населения США хотят разрушения своей страны - отделения от федерального центра. Причем если на Юге за в основном республиканцы и…

  • Дома дорожают, но народ выселяют?

    MIAMI IS hot—especially if you are selling a home. House prices are 20% higher than a year ago. And unlike other big American cities, rents are up…