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Old 11-28-2012, 09:58 AM
 
31 posts, read 45,532 times
Reputation: 22

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I am looking for pointers/ideas on making use of the ground level of my soon to be new home. According to the current owner, this level is not insurable (flood?), so it's currently a 3 cars garage and a lot of storage space.
What do I need to consider if I were to make an entertainment area plus a bathroom here?

Thanks,
Joe
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Old 11-28-2012, 10:24 AM
 
Location: Spring Hill, Florida
3,177 posts, read 6,822,612 times
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Not insurable - because of previous damage or high risk?

Or, insurable only if you get flood insurance?
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Old 11-28-2012, 11:18 AM
 
31 posts, read 45,532 times
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I believe it is high flooding risk because the property is on IRB area. The place was built in 2005.

Quote:
Originally Posted by HWTechGuy View Post
Not insurable - because of previous damage or high risk?

Or, insurable only if you get flood insurance?

Last edited by JoeBI; 11-28-2012 at 11:27 AM..
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Old 11-28-2012, 12:55 PM
 
Location: Beautiful Pinellas County
1,466 posts, read 3,078,831 times
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I know a couple who purchased a $2m plus home this year. About 3500 sq ft is uninsurable and is fitted out probably and furnished to the value of conservatively $250,000. Not to mention two very very expensive cars (but they are prob separate policy) They have insurance, but frankly I'd like to see them get a payout if it floods. I think you take a risk with this and may not get building consent so have to build illegally and if you do that, then I bet insurance has a way out. Just my opinion though.
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Old 11-29-2012, 04:36 AM
 
31 posts, read 45,532 times
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That is exactly what I am trying to avoid.
I just want to make something basic that can be built in such a way that is not costly to replace if flood damaged, and can't be used as 'a way out' by insurance firm to deny other legitimate claims.

Quote:
Originally Posted by lavender View Post
I know a couple who purchased a $2m plus home this year. About 3500 sq ft is uninsurable and is fitted out probably and furnished to the value of conservatively $250,000. Not to mention two very very expensive cars (but they are prob separate policy) They have insurance, but frankly I'd like to see them get a payout if it floods. I think you take a risk with this and may not get building consent so have to build illegally and if you do that, then I bet insurance has a way out. Just my opinion though.
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Old 11-29-2012, 06:54 AM
 
Location: Myrtle Beach
3,381 posts, read 9,122,145 times
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Use outdoor resin wicker if you want furniture.... You can find some stuff that is very comfortable. Not a big deal if it gets wet. Basically, just decorate it with outdoor/patio furniture. Maybe get a couple sump pumps with batter backups as well so you can try to pump out any water that does come in.

Maybe turn it into a sunroom?
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Old 11-29-2012, 11:19 AM
 
31 posts, read 45,532 times
Reputation: 22
^ Thanks FloridaKash, that's one excellent idea. Now about the bathroom? iguess I can find out from contractors what kind of wall materials don't not mind getting wet and woundn't grow moldy? I believe the plumbing would be easy because the laundry room is already on this level.
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Old 06-08-2013, 07:16 AM
 
31 posts, read 45,532 times
Reputation: 22
Default Need contractor recommendation

I am ready to put this idea into reality. Can you recommend good contractors who have actual experience in this sort of work?
Thanks
Joe
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Old 06-08-2013, 08:16 AM
 
Location: says MA on my license but can be found wandering the beaches of RI
1,432 posts, read 1,822,326 times
Reputation: 907
Does the area have french drainage? Where I grew up, the entire town had a high water table. The house I lived in as a kid had a sump pump (thank God) but when we lost power, we'd have to bail water out of the basement (my Dad didn't buy a generator 'til years later). The house I owned (same town) also had french drainage and in all the hurricanes and heavy rains we'd get, flooding our back yard, the french drains worked great!

I don't know how much is involved but here's a link I found for installation:

How to Install an Interior French Drain | eHow
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Old 06-08-2013, 08:59 AM
 
Location: tampa bay
7,126 posts, read 8,650,729 times
Reputation: 11772
I know if you are in Pinellas county if they find out you put in a bathroom the bottom level they will make you take it out...so you will have to be very stealthy when you put it in...I don't think anyone will insure it...I guess you could over insure the upper levels...that might work as long as you don't over do it and raise a red flag!!!
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