精华 自己装修地下室可能吗？

[fixer]

一个人！看着那dry wall 用的木板，真替老公捏把汗！
有没有朋友自己装修过地下室的，分享一下经验吧！

 

[好兵帅克]

Should be ok

 

[QBoy&Girl^_^]

最初由 fixer 发布
一个人！看着那dry wall 用的木板，真替老公捏把汗！
有没有朋友自己装修过地下室的，分享一下经验吧！

Why not?
What we've done.http://www.comefromchina.com/newbbs/showthread.php?s=&forumid=51&threadid=383258

 

[Timothy's]

You can do framing ,insulation and wiring yourself and ask the professional to do drywall. You will have a professional look basement. It will increase your property value.

 

[cable4sale]

property tax may go up too,if city knows.

 

[bill]

最初由 Timothy's 发布
You can do framing ,insulation and wiring yourself and ask the professional to do drywall. You will have a professional look basement. It will increase your property value.

One of my neighbour told me that if you finish the basement, you should do the professional inspection for your work , such as wiring, etc., and send the inspection report to your insurance co. then they will be able to do some paper work and cover your house becvause the sttus of the house changed.

if they did not receive the inspection, and later they find the basement is finished when you claim any loss to them, they might reject your claim, is it true?

Does any one know about the detail?

Thanks

 

[Timothy's]

It is true if you like to insure it.
You bought a home insurance without a finished basement. If your house burn down (sorry), the insurance should only rebuild your house without a finished basement. On the other hand if you put your basement on to the policy, they may charge you more, because of increasing property value.
So if you do most of job yourself and do not build a bath room. It does not cost you too much. Why you will let government and insurance company know. If you put tons of money to finish your basement professionally, you definitely need to protect your investment.

 

[基础墙]

Any modification to wiring requires permission from the city. To get the permission, You need to submit the wiring diagram, and they may send an inspector to do the final check. Same thing for plumbing.

For regulations on plumbing, you could check the Ontario Building Code (97) Part 7. Electric code is a little complicated and confusing, but there's a simplified version published by Ontario Hydro. You could find all these codes at the Reference section in public libraries.

I guess these are the two major things you need to notify your insurance company. To make it save, you may want to consult your broker before starting your project.

 

[不错]

万事介有可能，干好了介绍一下经验哦！

 

[fixer]

thanks a lot, buddies!

 

[Timothy's]

OK! Here it is. I asked my co-work who finished basement at his old house himself and will do it again in his new home.
1) He did it all by himself include drywall, but did it slowly.
2) He did not ask a permit from city, so no inspection and reassessment from city.
3) He did not tell it to the insurance company.
4) He did the wiring himself and asked a licensed electrician (from a large company) to inspect it, so in case of a problem. Both the electrician company and he will have a record show the job was done right. He will do the same for plumbing.
5) He did not drywall the ceiling and used a floating system. Because there is lot of thing going on there, you may need to access them later.

 

[基础墙]

最初由 Timothy's 发布
OK! Here it is. I asked my co-work who finished basement at his old house himself and will do it again in his new home.
1) He did it all by himself include drywall, but did it slowly.
2) He did not ask a permit from city, so no inspection and reassessment from city.
3) He did not tell it to the insurance company.
4) He did the wiring himself and asked a licensed electrician (from a large company) to inspect it, so in case of a problem. Both the electrician company and he will have a record show the job was done right. He will do the same for plumbing.
5) He did not drywall the ceiling and used a floating system. Because there is lot of thing going on there, you may need to access them later.

By government regulations, you need 3 permits:

1, any modification in electrical wiring, a permit from ESA is reqired even if it's done by a licensed contractor;

2, any modification to the plumbing system, and

3, mdificatins/renovations, with some exceptations such as painting and flooring.

The fee for the permit is $80(? hope the city didn't increase the fee)

Many people don't bother to obtain those permits for DIY projects. Nobody is going to knock your door and check permits on your work. The risk is, when something happened, it may give you a hard time in dealing with the insurer and the safety authority.

 

[Timothy's]

I don't understand. If I bought a home with finised basement. Should I ask seller to show me the permit when he did the job or my agent should go to the city to check its building permit history. Second when I insure my house, does insurance company will ask you for every modification and renovation permit as condition to insure your house?
If somebody has experience that please let us know. It will be very useful information especially for older home.

 

[基础墙]

最初由 Timothy's 发布
I don't understand. If I bought a home with finised basement. Should I ask seller to show me the permit when he did the job or my agent should go to the city to check its building permit history. Second when I insure my house, does insurance company will ask you for every modification and renovation permit as condition to insure your house?
If somebody has experience that please let us know. It will be very useful information especially for older home.

Government regulation is one thing but, about DIY jobs without permits, you see it everywhere.

When you buy a house, the city staff won't inspect the house, nor would they force you to get the permit.

The insurance company may send their inspectors to check the property. What they're looking for is different from a normal home inspection. e.g. they'd pay spectial attention on aluminum wiring though it is not band by code.

when the insurers sign the insurance contract, they accepted the condition of the property, for insurance.

After that, the insured should report modifications to the insurer, theoretically.

I have a question here: If the modification not being reported, what will happen to the insurance? Anybody could give more detail? Thanks.

For unauthorited works, if something bad happened and the safety authority is jumped in, they would try to find out who did the job.

That means when you finished your basement without permit, and sell it, the authority may come after you many years later,

For the safety of buyer, my suggestion is to rely on the home inspector. He may tell you "loose wire found in basement, indicating unauthorited wiring", or "wire overloaded, should be checked and fixed by licensed contractors", etc. Whenever you found statements like these on your inspection report, ask the owner get the problem fixed and checked before closing, or use it as a bargan tool and fix the problems after you move in -- and, for peace of mind, get a permit

 

[Timothy's]

great
Thanks!