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Port St. Lucie - Sebastian - Vero Beach St. Lucie, Martin, and Indian River counties (Treasure Coast)
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Old 10-03-2012, 07:08 AM
 
Location: Port St Lucie Florida
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I notice very few brick houses in Port St.Lucie and wonder why. I am sure it is quicker and easier to assemble a concrete block house rather than bricks just by virtue of the relative sizes and fewer mortar joints but what are the downsides of brick.

I know brick has a wood frame but CBS also has wood to attach the sheetrock. What do insurance companies think of brick houses.
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Old 10-03-2012, 07:48 AM
 
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You're confused. There are two type of brick houses- there is solid brick and there brick veneer. Brick veneer is when brick is used over the actual structure of the house. Solid brick is part of the actual structure of the house- you remove the brick and the house can't stand. Brick veneer is decorative. Remove the brick and you still have a house underneath.

A wood frame house with brick over the frame is brick veneer. And insurance companies still regard it as as a wood frame house. A concrete block house with brick veneer is a concrete block house and insured accordingly.

Talk to a few insurance companies and get their take on the various types of construction materials. You also need to question deeply anyone representing a house as brick as you need to determine if it actually frame or block or solid brick.
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Old 10-03-2012, 08:24 AM
 
Location: Port St Lucie Florida
1,285 posts, read 3,608,952 times
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Default A brick house in PSL

I understand. I doubt any house is solid brick and assume they are all brick veneer. The funny thing is that in Louisiana where I come from brick veneer is the gold standard and we have termites too.

Sid
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Old 10-03-2012, 09:16 AM
 
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Yes, this is why insurance companies don't think all that highly of brick veneer over frame. Termites get into the cracks between the brick and the wood underneath and water gets into those same chinks and cracks and rots the house from behind the veneer.

In Florida really best to buy a home with concrete block construction, with a hip roof ( best for high wind) built after 2004.
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Old 10-07-2012, 11:02 PM
 
Location: Port St Lucie Florida
1,285 posts, read 3,608,952 times
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I meant to say in Louisiana brick is the primary premium house and yet we have termites. Very expensive houses are brick(veneer).
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Old 10-08-2012, 10:03 AM
 
Location: Port St Lucie Florida
1,285 posts, read 3,608,952 times
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Not to labor the point but there are different construction methods available in the houses I have seen thus far for sale in Port St. Lucie: CBS- foam filled, CBS, Brick/Frame, Stucco/Frame. I have listed these in no special order. In the CBS houses they may or may not have wood between the wallboard and the concrete block.
The devil is in the details. I wonder what the insurance industry thinks. Maybe the roof style is more important to them, pyramid vs double hip.
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