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关于保险:
owner builder建议买保险。
市场上常见的owner builder construction and public liability insurance 大都不保faulty workmanship ,这样的话就等于只保public liability, 还有工地发生意外或者自然灾害造成的建筑主体损失。这个可能性不是太大。
找了一家保险公司,可以额外cover以下意外,包括faulty workmanship,
Cover Advantage Endorsement (Single Project)
This endorsement applies to the following exclusions:
Section One
4.01 Breakdown
4.04 Design, Material and Workmanship
4.05 Inventory
4.07 Paper Records and money
4.08 Underground Boring
4.10 Wear and Tear, Corrosion and Deterioration
按照50万的construction price, 一年保费大概1800多。
请注意,这个保险和我们常说的home warranty insurance房屋七年质保是不一样的。在NSW,owner builder已经不可以购买home warranty insurance
fair trading 原文如下:
The Home Building Compensation Fund (HBCF) ceased issuing cover from 15 January 2015 to owner-builders who sell their properties. There is also no longer a requirement on owner-builders to attach certificate of insurance to contract for sale for intending purchasers of owner-builder work. |
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