Re: the skyrocketing cost of property insurance

On Mon, 2 Sep 2024 14:09:12 -0000 (UTC), Retrograde
<fungus@amongus.com.invalid> wrote:

Now for bonus points, add up the total value of the materials.  In a
$300k house, maybe $75k in wood, steel, glass?  All the rest is labor
and fees/licenses/permits and markup.
>
Makes you want to go build a shack in the woods: oh wait, that's
illegal.

If a slight hillside existed, I suppose a walk out basement home would
be the cheapest way, if concrete price is reasonable.  If well
insulated, heating/cooling cost would be peanuts, especially with a
ground sourced heat pump.  If roof/outside walls were done via
trades-person, then a DIYer could do the rest if no zoning requirement
said otherwise, or if no zoning codes existed.

There are still counties without zoning requirements.....

Years ago where I lived, a house could be torn down, and the lumber
could be re-used, but I suspect most counties/cities prohibit this
practice today.