My husband and I bought a vacant 1908 house in a state historic district in the Pacific NW. We are doing an exterior and interior renovation and eventually are moving into it. He is a small time general contractor. He is doing almost all the renovation stages by himself. This means there are not big crews coming in and moving super fast, thus not posing liability risks. On top of that, the house is right down the street from where we presently live and he is there every day.
We originally bought a builder’s risk policy, but they are red flagging us because we are taking our care and time. I was told that most of these type of insurance policies are geared towards big companies going in and out super fast, and if they are taking their time, this is a red flag.
Does anyone know of any carriers that are geared to the small time g/c – owner? We don’t want to feel pressure from this insurance carrier to move faster as anyone who does this knows, it is big enough pressure to renovate an entire house, especially in a historic district.