Driven up the wall
Dear Janine,
I have a number of retaining walls around my property, holding up the driveway and supporting a lawn area. These have all sustained damage in the various earthquakes and will cost a lot to replace or fix. I was initially told these walls were not covered as they didn't support the house. I was horrified to discover my insurance company wouldn't cover them either. After a full EQC inspection I found a number of walls would be covered, but only to indemnity value. I have a feeling that not all EQC inspectors know the rules. Can you explain these and tell me how they work out the indemnity value of a wall?
Home owners around New Zealand should be sitting up and taking note of the insurance issues around retaining walls. They might be dull, but they are hellishly expensive items and could be financially crippling to replace at your own expense. Knowing the rules could save you thousands.
It's not just the hillside dwellers of Christchurch who need to get to grips with it. Our Wellington friends also face earthquake risks and nearly every home in the city is propped up by retaining walls.
In normal circumstances, it's generally Humpty Dumpty who needs to be put back together again, not the wall itself. Annoyingly, an egg is a heck of a lot cheaper to replace than a whole wall. I also have a feeling you are correct about the EQC inspectors. Some of the King's men are struggling a little with Section 2(1) of the Act, where the definition of "residential land" is outlined.
The reason I think you might be right is that during my own EQC inspection we were declined cover for most of our walls. I queried it and the inspector went away to check, but it was declined again. They said the walls were not supporting the house and were not part of its foundation. They were supporting patios and were not covered. I now believe this is incorrect, but didn't start investigating the ins and outs, until I had a mailbox of queries like your own. Given we have five substantial retaining walls, I feel like a bit of an egg myself. It pays to know the rules before your inspection rather than try to correct a problem later.
After a careful read of the Act and a bit of back and forth with EQC, there are three types of retaining walls you should know about:
1. Retaining walls which support or protect a building: EQC will cover these walls as long as they are within 60 metres of your home or garage. These walls are not just aesthetic, they are needed to help protect the house. If it's not obvious whether they do or don't "support" or "protect", an engineer needs to be appointed to get a ruling.
Average Cost Of Asphalt Driveway - News
The average price is around $6.50 per mmBtu. The flood of gas released from the technique known as hydraulic fracturing, or "fracking," shale rock has flattened gas prices for consumers. It has also surprised Wall Street with the ease at which
Remember EQC will not cover the surface of your driveway, such as asphalt or concrete surfaces (your insurer should cover this, but check your policy). 3. Retaining walls which do NOT support or protect a building: This is where the most confusion lies
And then down on the asphalt, a foot drops and the rumble whips into a roar, the kind that hits your solar plexus first and then shoots upward, an electric jolt to your skull that sets your eardrums jouncing. And the shriek fades back down and the
“Whether a parking lot, driveway or street, the paved surface has pollutants on it,” Bakacs said. “Oil, grease, pesticides and pathogens collect on these hard surfaces that are everywhere. When it rains, the storm water that generates collects all
asphalt driveway cost calculator | Concrete driveway cost
Asphalt driveway cost calculator – online helpful tips and advices to help you find what you need.
Best of asphalt driveway cost calculator. See more…
DWant to install an asphalt driveway? and a excellent amount track is the fervent desire of many homeowners. The principal thought is in reality, but, is more hard to achieve than one force reckon.
This sounds crazy but estimating the cost of your mortgage with a mortgage calculator. Everyone know that if you are researching mortgages online, it is likely that you will find something renowned as a mortgage calculator. We permanently said that mortgage calculators can be found in a number of websites. You can say that auto Loan Calculator – a convenient tool for calculating monthly loan payments automatically. If you’re looking to make a huge buy, chances are you will need a loan and this is very vital for us. Just remember if you are getting a loan, auto loan calculator can be your best tool.
How to make the most of your auto loan calculator and this is very vital. If you are looking to buy a car, you can search for a loan and in that case, you may want to look into the use of an automatic calculator loan. The Asphalt Pavement Perks That is a solid mild steel is a really excellent thought. Paving a driveway is usually the last thing a homeowner or the makings title-holder’s mind, but the decisions can make a real difference on the road and this is vital.
Best of asphalt driveway cost calculator. See more…
Basics concrete repair and this is very vital for you. What exactly is concrete repair? Concrete is a versatile substance and that is not all. It is right that can be used for driveways, patios, porches, garages, flats and walls. The Pregnancy Calculator and the baby’s sex and there is an innate curiosity in all human beings to know about your prospect. This desire has agreed birth to the forecast in many ways, ie astrology, palmistry, prophecy, crystal ball and so on as many people said.
Save money with a mortgage calculator , is the principal thought. Mortgage calculators can provide you with valuable loan mortgage calculations , everybody know it.
Concrete Driveway Cost Price of Minnesota Twin Cities , as I read in an article. Add $ 1. A really excellent thought is P0 per square foot to remove the existing concrete. The work required to most likely. In magazines you will find that concrete sidewalk cost assess of Minnesota. Use our online price calculator to assess the cost of replacing your concrete driveway in Minneapolis, Saint Paul MN Twin Cities and this is very vital.
Average Cost Of Asphalt Driveway - Bookshelf
Municipal journal
Portland, Ore — For paving of Sumner ave. with asphalt, to Inland Empire ... These prices will make average cost of concrete sidewalks for a 25-ft. lot ...Municipal journal & public works
In the fall of 1899, one of the two driveways of this bridge was paved with ... as likely to produce the best results, will not exceed the cost of asphalt, ...Popular Science
Fortunately, the early cure for a cracking asphalt driveway comes in a tube. ... Price CRACK SEALERS Macco Liquid Driveway Repair Smith-Corona Merchant, ...Popular Science
Resurface your asphalt driveway yourself A new protective sealer maintains ... a cut-rate price to "dump the balance of their load from a nearby job. ...77 no talent, no experience, and (almost) no cost businesses you can start today!
ASPHALT DRIVEWAY SEALING Start up cost: $300. Equipment needed: Broom (or air blower), small and large squeegees with long handles, weed trimmer, spatula, ...Everyday Walkthroughs Directory
Cost of a Driveway - Get Prices and Estimates - CostHelper.com
Find out how much a driveway should cost. Get average costs and information for a driveway. All driveways start with a well-built gravel base. ...
Asphalt Driveway Cost - How To Estimate Before You Call A ...
Asphalt driveway cost are easy to estimate. Learn how to estimate the cost of asphalt driveways from a contractor before you call for an estimate.
Asphalt Paving Cost
You surely must have considered asphalt as one of your options, given its affordability. Check out the average asphalt paving cost in this article. ...
Cost to seal an asphalt driveway | Estimates and Prices at ...
Average cost to seal an asphalt driveway is about $202 (15'x50'). Find here detailed information about seal an asphalt driveway costs.
Cost to build an asphalt driveway | Estimates and Prices at ...
Average cost to build an asphalt driveway is about $830 (12'x50'). Find here detailed information about build asphalt driveway costs.