I always thought it would be nice to build an underground house with maybe one floor partially above ground for ease of entry and garage use. Obviously this is difficult in a high water table area but you have massive savings on heating/cooling and it’s pretty much immune from weather effects.
Concrete doesn't burn, but gets all crumbly when heated unless covered up with fire brick or fire mortar. That's why you don't see fireplaces made out of concrete.
If you use lightweight aggregates in concrete; Haydite (expanded shale), Perlite (volcanic glass), etc,... lightweight concrete is more fire-resistant (and more insulation) than traditional concrete, due to its porous nature. Can add an outer layer of fire and rodent proof, insulation; styrocrete or aircrete to an existing concrete, steel or wood structure to increase heat resistant. Haydite, Perlite, styrocrete and aircrete have been used for refractory applications.
Metal roof and siding here🙋🏼♀️ we live in the woods, so that's something we thought about as well. I heard a firefighter say one time, fire goes where water flows. That stuck with me.
Absolutely correct on everything you said. I used to have no neighbors nearby, and could burn my vegetable garden off in the fall: corn stalks, broccoli plants, squash vines, etc. Make a pile and burn it. Someone would probably turn me in now, but, come on! I'm burning stuff on plowed ground, on not-windy day, maybe there's even snow on the ground. My fire isn't going anywhere, and if it did, I have dirt to throw on it. All my buildings have metal roofs. I may have to move further out in the country - again...too many people here, 30 years later.
Our property insurance: for theft/intruders we have proper guard dogs and tools of defense; for fire, we have an extinguisher in every room (we have had to use one once!) but our most important fire suppression tool is our portable pump with roughly 400' of fire hose and the reservoir we dug for a water supply. We did have a forest fire start this past summer thanks to a freak gust of wind while we were burning brush, but thanks to that firefighting equipment and our ample water supply, we were able to put it out before it got out of hand!
The dilemma is the insurance rates. Refinanced a property at 2%. Have the funds to pay it off, earning 4.7% in the bank. Makes sense to carry the mortgage as the interest on money in the bank pays the mortgage. I expect that sooner than later, the insurance rates will force me to pull the investment funds to pay off the mortgage and cancel the insurance. If enough people end up doing that, forget insurance companies going out of business, and it will be a banking crash. Bottom line: Best insurance/investment is #selfreliance. Stay safe 🤠
Wife and I have already done fire mitigation as we live in a wild fire area. We had another conversation last week and we are stepping up our game both outdoors and indoors moving forward. Cut more trees and brush hog out to 150ft from the metal building. Adding exterior sprinklers that used pond water. Interior extinguishers and the list goes on. Self insured is the only way for us.
Insurance is one of the greatest schemes ever created and they never lose money. Insurance companies have cancelled accounts just before a disaster such as the case in LA now. It also has made Warren Buffet very rich.
My ex worked for a major insurance company. It was self-insured with billions of dollars invested and their wealth was growing at a phenomenal rate. They can fully cover a lot more than they do. If I had invested all of the insurance payments I have made in my lifetime, I could be fully self-insured with no deductibles. But if tragedy were to strike early in my lifetime, I would need the insurance company to cover a major loss. That’s how that works. I agree with what he is sayng in this video. You need to be a proactive property owner. If you determine that you can make something safer or if a better building material, technique or code comes along, you implement the changes when economically feasible. My father taught me when I was young that owning property was your second full-time job, and I have lived by that rule all my life. Also, doing the renovations yourself has two benefits. First, you are more physically active, which is a healthier lifestyle. Second, it brings the renovation cost way down, enabling you to save money and put it towards another renovation or hobby. You also need to monitor your property for changes. For deterioration due to exposure to the elements. Wind, sunlight, rain, ground movements, water table changes, etc. One issue we deal with a lot is that too many property owners work their day job and then come home from work and just plop down in front of a television in the afternoon or on weekends. They are effectively at greater risk of requiring insurance coverage. Which jacks up the insurance rates up for people like us. The other issue we must deal with is poor urban development. To many luxury homes are built on shorelines or in flood or fire zones which are exposed to really high risk of loss. And we are all covering a piece of those losses, which are guaranteed to occur.
There are bad actors in every walk of life. The vast majority are decent or that part of the performance would not get performed. Negativity like this video should be no more than a heads up that shit happens : keep your eyes open.
In Canada you can't get a mortgage without insurance on the property. This is a way to push out private ownership of houses and buildings. Like the wef wants.
@@evictioncarpentry2628 Same in America - No one will give you a mortgage unless they have collateral to back up their investment. But why would you choose to get stuck with a mortgage, for a house that burned down, when the insurance could have paid the mortgage? You know the BANK will haunt you for the rest of your life. Oh, if you want a home with no need for insurance - get a nuclear bunker. I can't even insure my underground home - "insure against what?", they say.
A year and a half ago, I had an electrical fire. The water heater controller had failed and it caught fire. Sometimes, despite taking precautions, something happens. We never claimed anything because we just replaced the water heater and cleaned up everything ourselves.
If you have a fireplace and when lighting it you get a backdraft of smoke here is a solution. Have a small propane torch handy and heat up the chimney. Then light your fire. Smoke will go straight up and out. 😊
Awesome content and gives me a lot to think about. Insurance is sky high, and it's sketchy if I should ever need to use it. It applies to my health insurance as well, lol.
I dropped my home/farm insurance a few years ago but am considering just getting liability insurance on the land as there is the consideration of stupid people that want to sue me for them doing something dumb. Everything is replaceable or fixable.
“I’ll give you 10 million examples” 😄 “I am scared to do it” …. cuts to “b”roll of setting grass on fire 😆 did you do it? So nice to hear rational thoughts. Thanks for sharing!
Termites will eat it. It is structurally weak, can’t be used below grade, absorbs water. Is expensive, unavailable to most, little known about it, to builders …. Moral of the story… nothing is perfect. But cool concept.
I had a conversation with my insurance agent a few years ago, he told me that in my area, roofing is the primary driver of premium costs, and that the only effective way to lower premiums js the reroof with metal instead of shingles or slate.
There are people out there that will do a controlled burn for a price. I live in an apartment, so I don't have any choice, I don't have your luxury. However, I still like to learn things, so I watch thx.
Great topic. Something I've been considering for some time as I watch my annual premiums go through the roof. The only time I ever claimed was when I lived in the city and... go figure, my vinyl siding got blown off the house. What a nightmare.
You have just said what I have been thinking for many years of course it goes even farther if you work for a living at a paying job as they promote the same people to keep the failing system in place because it feeds the rich.
I've heard some of the big insurance companies are sneaking in their policies that if you drive your vehicle on a inclement weather day and have an accident, even if it's no fault of your own, you will not be covered.
Worst part of insurance, is its Bank Required for mortgage. If thats not sussy then I dont know what is. Also Congrats on making it man, and good job on infrastructure, dang, I was design Eng for 10 years and your output is really impressive man.
Another firefighter said to have a water sprinkler on your roof to be able to turn on when there is a fire nearby. Then he also said to clog your gutters with a sponge so that water will collect in the gutters to help prevent fire spread. I thought that was clever. Another guy said to attach sprinkler heads to the outside of your house pointing out to the grass area if you have grass nearby. You guys being up north, probably have to drain the lines tho, but would still be there if need be🤷🏼♀️
A son stole his mother's new car and couldn't negotiate our corner during the winter. He hit my wife's parked truck, catapulting her truck into mine. He was caught due to our security cameras. Not our fault whatsoever. One truck was written off and the other had 11k damage. Two years later I get a letter from AMA stating due to the accident our premiums are going up due to that accident. 😮 What?!
@@hj8607that's not the point whatsoever. I demand what I pay for. No complacency no deception. Thats not a free ride. Court decided in my favor for both deductibles. Now I'm going after the premiums. Never be a pushover.
@VintageFordChannel (keep in mind that insurance companies are under no legal obligation to offer anyone their services. Also unlike medical coverage a preexisting condition can result in uninsurability. (you can huff and puff but it's just hot air (don't reply,))
Interesting topic and a subject that has caused me many gray hairs and arguments with my insurance brokers. I have seen several metal glad buildings that turned into blast furnaces. The only way to prevent that is to limit your combustible materials stored inside. Another issue is that most people are forced by laws or banks to have insurance since they don’t own anything. I just went through a 40% increase last September on my insurance coverage with no claims against my insurance for years.
Sprinkler heads are cheap online. Its the over the top installs that costs a ton. You could use PEX pipe for the sprinklers as it would take a huge fire to melt the pipes as the water on the inside sucks the heat out of the plastic. You could do a passive system with a manual or remote activated valve if you do not want pressurized water in every room of the house, then turn it on with smoke detectors. A smart house system with smoke detectors and remote valves can be programmed to do this automatically, then the fire would melt the bead in the sprinkler head.
I read that the insurers in cali cut fire cover a month or three before the fires after making their own assessment that it was a liability to keep covering the area based on the actions of the state. It strikes me as insane that insurance companies are a for-profit entity, like that seems like it's a service that the state should be handling or you get what insurance companies are today. Yeah there would be mis-management as with everything the state puts it's hands on, but it just seems insane that it's a for-profit entity. Like talk about a conflict of interest.
Why do you still have home insurance and what will it take for you to end it? For a mortgage? I also have mitigative strategies put in place so I'm asking myself the same questions.
Insurance is an important thing to have, but because everything is so abused and the premiums are so high, it’s pretty much not worth it. Still, what if? ✈️ could drop out of the sky on the house.
metal, metal, metal..... doesn't burn. Very true. I've watched a video from LA showing metal posts on the side of a road burning. Thanks for the video anyway.
I only like roxul insulation as it is environmentally friendly and fire resistant. Also easy to work with. Love your video's. Love your sarcasm. Everything you stated is true. I see many people use the insurance for minor issues. Some places in the country they no longer allowed to build basements because of the potential of water damage.
Hi again neighbour! Flooded basement I had here in Ab 3 years ago. Please send me your general location. Looking for some raw land to start afresh in a homesteading environment while considering amenities required for my wife and I as we are not spring chicks. Growing potato land? Near Ashley and Nate?
It's worth mentioning mortgage debt: in the US at least, lenders include insurance as a *requirement* for a mortgage, and the fine print lets them buy it on your behalf (and charge you for it) if you 'fail to provide proof of insurance'. They can apply the payments you make each month to the insurance, claim you're failing to pay your mortgage, and foreclose on you. If you're as cynical as I am, the absurd rules for the insurance industry look like a clever way to steal people's homes. You can avoid this pitfall by paying off your mortgage or buying without one.
I love this. You make me want to sell my 3 expensive stick built houses in fire prone areas in city burbs, and build an all metal and steel Barndominium in the countryside instead! Metal studs, metal lath with plaster instead of paper coated drywall. Self insured as I have the cash to be so. Though it bothers me a bit you talk about all metal construction while standing in front of some wood stick framing lol.
Your plan makes so much sense. IMO the insurance companies in LA will get out of town. Those people are screwed. Insurance is mostly just a mental satisfaction and most of the time a mandatory scam rather than being a real deterrent. You're NOT in "good hands".
Did you know when a combine burns down insurance will pay out for that combine. If that combine burns down they will pay out and that will be the last. No insurance company as they work together will insure a third combine. We have had alot of combine fires but never burnt down a combine
All the new builds here in Calgary are vinyl siding. If you know anything about this city, you know why that is a godawful idea. Golf ball sized hail (or bigger). Every year. Just absolutely shreds it.
Where I live, car insurance went up 31%. No reason (no tickets, no accidents etc)except “The Company has always looked to maintain stable pricing for our Insurance Products, however due to inflationary pressures which has resulted in the increased costs of motor losses, the Company has had to look to manage our pricing, and in an effort to maintain the level of coverage provided and the financial stability necessary to respond to potential claims, we have had to increase our premiums respectively.”
I don't think corporations are to concerned about land management because they are about profit. Canola should be made illegal. People want cheap food and without cheap labor there is no cheap food. These fires are right bizarre and I've seen the craziest things with the Canadian fires in NE BC and it makes absolutely no sense why it happened. People need to understand that something very strange is going on and nobody is safe..
That “strange” thing that’s going on is called climate change, aka global warming… Have you ever seen a blacksmith’s forge? When you add high winds to a fire, that’s what you get… I used to have a tough time finding a day windy enough to fly my kite as a kid, now I have a tough time finding a day calm enough to fly a kite… And this is just a small taste of what’s to come… Dropping insurance isn’t going to be a choice in the near future… None of those companies will be around.
"Regulatory climate change" has far more impact on me than the CO2-related variety. It gives me the warm fuzzies to learn about people in the EU who took out massive debt 15 years ago to build solar, and are crying about bankruptcy now that subsidies have been cut and they're no longer able to sell their electricity for 3x market rate.
I was thinking about Nighthawkinlight's video on homemade fireproof material. I wonder if it could be incorporated into a stucco finish as a fireproofing measure.
I have given a lot of thought to what you are talking about. Since I need a new roof I was thinking about insulating under the metal with rock wool to be a heat barrier if the metal gets too hot. Just a thought. Any comments pro or con appreciate.
If it is an attic, it is more important to have the attic venting very well. And more insulation (r80) in the ceiling. I also never put a dark color metal on (you want it to reflect the sun)
my insurance went from $875 to $2800 over 15 years. a coworker told me they saved with TD insurace i switched over and i pay $1265.10 now it a different policy in afew ways but has up two million in replacement.
My question is, is there a way to escape “liability” insurance? I’d like to opt out of insurance but what to do If some asshat wants to sue because they came onto my property and hurt themselves?
No witnesses? 😃 just kidding. I thought about making every new farm customer sign a liability waiver form before being able to purchase eggs, milk, beef, pork, chicken, fish, fruit, vegetables, tinctures, etc. private membership type set up. No sales to public
Has anyone notice that if you want to drive a vehicle in most places, you need insurance. Has anyone notice that if you barrow money, ( mortgage ) insurance is required. Insurance is so that society survives. Not the individual or an individual item o4 thing. You ever notice that wealthy people seek out ways not to pay for things ( they think ). For example: Driving an EV thinking they’d avoid road tax etc. People need people. You ever notice that”Self Reliance “ relies on society remaining healthy so they’d be able to be self reliant.
The issues you might have is protecting yourself against liability should someone get hurt on your property, dog bites someone, cow gets out and a vehicle hit's it, tornados and fire fighter expenses should you accidentally start a wildfire/grass fire that gets out of control and need to get the fire department involved.
Your mind thinks exactly like mine and agree with you 10000000%. People who think this way however are intelligent, but the insurance need to cover themselves by the lowest common denominator (stupid people). It is just so much easier for the insurance companies to make one standard and apply to everyone. Sounds so much like socialism at its best!!!! Wish I could just stop paying these ridiculous rates, but I live in the suburbs surrounded by special people! Time to become a homesteader!!!!
I am also of like mind when building and I understand your focus on thr issue with fire, but I will play devils advocate,. There’s no ideal building material or method that can deal with most possibilities. Screws break and nails bend. Metal corrodes, condensates. Tornados / high winds explode from inside out more than push over on the outside. Termites and other issues can easily go unnoticed with all metal cladding. So there is a trade-off and a fine line between things that can damage property.
Insurance companies wouldn't go under if they banked the money in good years, instead of giving the ceo's and others huge bonuses. Wow, what a concept.🤔
Insurance is not banking. So many people don't take that on board. It's not your money accruing somewhere, it's you paying for a service that isn't guaranteed (or more accurately, is supplied in accordance with the policy wording that you didn't bother reading). The industry will never collapse due to payouts because the underlying actuary has already accounted for everything they'd likely have to pay. Your business going bust means you didn't hire good actuaries (or more likely, didn't listen to them). There's also the fact that in a place like America lawfare is both common and logical (and unethical) for entire industries. All an insurer would have to do to remain solvent in many cases is stall for time, which is something they can and will do. Even the motto of "Collect early, pay late" will get businesses through a lot of hard times. If you don't want to accept the limitations of dealing with insurance then good news: you don't have to. Paying your own unexpected and exceptional bills is the default state of the world.
i understand where you're coming from but,,,the elephant in the room is severe earthquakes,,metal ,wood ,,concrete it takes no prisoners,,,ive been there...including underground pipe work all trashed...
It's all good until the fire comes from the sky once that monster of a volcano goes. you're so close man. Those poly windows drip like styrofoam when they're burning. Thanks for the other tips though. i'm in the process of building a small home on a mountain, I think like you, ive planned and re-planned so many times tweaking the design as i go, what do you think about the blue roof "conspiracy" where none of the structures in hawaii with blue roofs burned?
As for blue roofs, I’m not sure. Frankly nobody will ever care about my dinky farm away from everyone else, if the conspiracies are indeed true. So I’m not worried.
most insurance seems to be nothing more than legal extortion and is often required by laws. if more people looked at how much their insurance cost was over time they would realize they could replace what is insured in a few years......but no one saves money so that thought never occurs to them.
Try having a mortgage and not have insurance. I understand what you are saying about being self reliant but most people aren't buying property with cash.
Problem with insurance is you’re sharing the load with a bunch of morons. Wish there was an insurance company that the only way you could get in was with an iq test or a test on common sense.
Have you ever wondered why we think of selling a problem ( say a car ) to a moron in order to get rid of a problem? Why do we assume there’s that moron or desperate soul!
Insurance is only for things you cannot afford to replace. For auto, I can get a better deal on a windshield/door/tailgate whatever, for less than the deductible on my insurance, so I never use it for anything less than a total loss. Where I am, they charge 10% extra for a wood stove. Forget about Oil Heat, one year the tank must be in the basement, then outdoors, then have a roof, then roof is bad, then needs a gravel catch-pit, then needs a concrete pad, then must be a Steel tank, now must be fiberglass.... and now, it needs to be secured to the ground with cheap $10 ratchet straps from Crappy T's.... UHG! you need to be a millionaire, living in a $1000 shack to be self insured. But you never discussed the Liability side of things... stupid people doing stupid things on your property, and somehow you are responsible. Also, make sure you have a quick shut-off from your well/water supply to your house (Mine is in the basement) and make sure it works at least once/year so you can quickly stop the water and drain the lines in a hurry if needed (Had a metal fitting on a toilet decide to spontaneously burst recently, the main shutoff helped save the bathroom!)
@@breezybre2670 Uhg... but, it is 0 Carbon emission, so of course it costs more... There is fire in the wood stove, there is fire in an Oil Furnace, there is fire in a Gas Furnace... but lets make the wood-burners pay more... because they can.
Wow...really? You have a wood stove and yet we are talking about a major FIRE...where's the WOOD coming from for your wood stove??? Did you hoard a bunch of wood in your house that didn't get burned up in the fire??? I agree that homes should have to be built TO CODE reflecting the area - if you live in a flood zone, then why the hell aren't builders required to build homes on stilts, for example? (I lived near the Ohio River for several years on a boat, so MY home floated UP with the water (tethered at a dock), but I saw many older homes flooded and/or floating down the river) OR, in fire-prone areas, why aren't the homes made of concrete which does not burn? A few years back I saw a picture of ONE HOME in a California neighborhood standing after a fire and it was a concrete (monolithic style) dome home. In earthquake prone areas why not have dome homes and similar style structures that resist the tremblers and outright shaking of an earthquake. Round structures like domes also resist hurricane and tornado winds and if made of concrete, resist the hits from flying debris taken up in the winds. So instead of banging your own horn that really isn't all that great, how about advocating for CODE REQUIREMENT CHANGES TO REFLECT ISSUES TO THE AREA WHEN BUILDING HOUSES!!!
Your opinions on climate change are extremely poorly informed. Until you take the time to listen to experts and read about the topic you shouldn’t be advocating against climate change action. There is still time to make a difference on the intensity of the impacts. We can all start by rejecting Neoliberal ideology and voting for climate action in the election. Total independence and individual freedom is not the answer, it’s communities helping each other and doing the right thing. Nature works by cooperation not competition. The winners and losers ethos is why we are destroying our planet.
Excellent topic
I always thought it would be nice to build an underground house with maybe one floor partially above ground for ease of entry and garage use. Obviously this is difficult in a high water table area but you have massive savings on heating/cooling and it’s pretty much immune from weather effects.
This was a really excellent look at a looming issue
Concrete doesn't burn, but gets all crumbly when heated unless covered up with fire brick or fire mortar. That's why you don't see fireplaces made out of concrete.
This is true. 👌
What’s your point??
@@todmill100 Don't build with a concrete surface where there may be fire.
If you use lightweight aggregates in concrete; Haydite (expanded shale), Perlite (volcanic glass), etc,... lightweight concrete is more fire-resistant (and more insulation) than traditional concrete, due to its porous nature. Can add an outer layer of fire and rodent proof, insulation; styrocrete or aircrete to an existing concrete, steel or wood structure to increase heat resistant. Haydite, Perlite, styrocrete and aircrete have been used for refractory applications.
@@duanethieme4186 Vermiculite is another option.
Metal roof and siding here🙋🏼♀️ we live in the woods, so that's something we thought about as well.
I heard a firefighter say one time, fire goes where water flows. That stuck with me.
Absolutely correct on everything you said. I used to have no neighbors nearby, and could burn my vegetable garden off in the fall: corn stalks, broccoli plants, squash vines, etc. Make a pile and burn it. Someone would probably turn me in now, but, come on! I'm burning stuff on plowed ground, on not-windy day, maybe there's even snow on the ground. My fire isn't going anywhere, and if it did, I have dirt to throw on it. All my buildings have metal roofs. I may have to move further out in the country - again...too many people here, 30 years later.
Clean driving record and my insurance still went up $40 extra a month
Yep. Me too
Same
Mine went up 200 because I moved to a new neighoburhood full of recent immigrants from the third world
Our property insurance: for theft/intruders we have proper guard dogs and tools of defense; for fire, we have an extinguisher in every room (we have had to use one once!) but our most important fire suppression tool is our portable pump with roughly 400' of fire hose and the reservoir we dug for a water supply. We did have a forest fire start this past summer thanks to a freak gust of wind while we were burning brush, but thanks to that firefighting equipment and our ample water supply, we were able to put it out before it got out of hand!
The dilemma is the insurance rates.
Refinanced a property at 2%. Have the funds to pay it off, earning 4.7% in the bank. Makes sense to carry the mortgage as the interest on money in the bank pays the mortgage. I expect that sooner than later, the insurance rates will force me to pull the investment funds to pay off the mortgage and cancel the insurance.
If enough people end up doing that, forget insurance companies going out of business, and it will be a banking crash.
Bottom line: Best insurance/investment is #selfreliance.
Stay safe 🤠
One thing to consider. If your bank fails, you lose your deposit, but your mortgage can be sold to another bank.
Great advice to take heed of. Thanks for sharing!
Wife and I have already done fire mitigation as we live in a wild fire area. We had another conversation last week and we are stepping up our game both outdoors and indoors moving forward. Cut more trees and brush hog out to 150ft from the metal building. Adding exterior sprinklers that used pond water. Interior extinguishers and the list goes on. Self insured is the only way for us.
I like the way your brain works and thank you for the explanations
Insurance is one of the greatest schemes ever created and they never lose money. Insurance companies have cancelled accounts just before a disaster such as the case in LA now. It also has made Warren Buffet very rich.
My ex worked for a major insurance company. It was self-insured with billions of dollars invested and their wealth was growing at a phenomenal rate. They can fully cover a lot more than they do. If I had invested all of the insurance payments I have made in my lifetime, I could be fully self-insured with no deductibles. But if tragedy were to strike early in my lifetime, I would need the insurance company to cover a major loss. That’s how that works.
I agree with what he is sayng in this video. You need to be a proactive property owner. If you determine that you can make something safer or if a better building material, technique or code comes along, you implement the changes when economically feasible. My father taught me when I was young that owning property was your second full-time job, and I have lived by that rule all my life. Also, doing the renovations yourself has two benefits. First, you are more physically active, which is a healthier lifestyle. Second, it brings the renovation cost way down, enabling you to save money and put it towards another renovation or hobby.
You also need to monitor your property for changes. For deterioration due to exposure to the elements. Wind, sunlight, rain, ground movements, water table changes, etc.
One issue we deal with a lot is that too many property owners work their day job and then come home from work and just plop down in front of a television in the afternoon or on weekends. They are effectively at greater risk of requiring insurance coverage. Which jacks up the insurance rates up for people like us.
The other issue we must deal with is poor urban development. To many luxury homes are built on shorelines or in flood or fire zones which are exposed to really high risk of loss. And we are all covering a piece of those losses, which are guaranteed to occur.
There are bad actors in every walk of life. The vast majority are decent or that part of the performance would not get performed.
Negativity like this video should be no more than a heads up that shit happens : keep your eyes open.
I don't know why you pay for insurance - you are just going to fix everything yourself.
I know right?
In Canada you can't get a mortgage without insurance on the property.
This is a way to push out private ownership of houses and buildings. Like the wef wants.
@@evictioncarpentry2628 Same in America - No one will give you a mortgage unless they have collateral to back up their investment. But why would you choose to get stuck with a mortgage, for a house that burned down, when the insurance could have paid the mortgage? You know the BANK will haunt you for the rest of your life.
Oh, if you want a home with no need for insurance - get a nuclear bunker. I can't even insure my underground home - "insure against what?", they say.
Hi Dean man. Good to see another upload with real topics.
All the best to you and yours from me over on Scotland.
Thank you for sharing your idea's and information. It's good to know there are still some like minded people around.
A year and a half ago, I had an electrical fire. The water heater controller had failed and it caught fire. Sometimes, despite taking precautions, something happens. We never claimed anything because we just replaced the water heater and cleaned up everything ourselves.
Do you agree that all that metal cladding, plus condensation and electricity would enjoy one another’s company.
If you have a fireplace and when lighting it you get a backdraft of smoke here is a solution. Have a small propane torch handy and heat up the chimney. Then light your fire. Smoke will go straight up and out. 😊
It’s called drafting.
We use a cardboard front cover, and a hair dryer to preheat the stove. 1 minute and light.
Awesome content and gives me a lot to think about. Insurance is sky high, and it's sketchy if I should ever need to use it. It applies to my health insurance as well, lol.
Right? Can pay for all the insurance in the world, then if you actually need to use it, there’ll be a clause somewhere where it won’t cover anything.
There’s cost to all things and all things have risk. DIY, can cost due to injury and wear and tear on your body. There is no ideal.
You have a lot of great information. I need to self insure my off grid property and will definitely implement some of your Tips.
I dropped my home/farm insurance a few years ago but am considering just getting liability insurance on the land as there is the consideration of stupid people that want to sue me for them doing something dumb. Everything is replaceable or fixable.
In Canada?
“I’ll give you 10 million examples” 😄
“I am scared to do it” …. cuts to “b”roll of setting grass on fire 😆 did you do it?
So nice to hear rational thoughts. Thanks for sharing!
I did a few little patches after it was grazed down. 😎 It really needs a rip roaring fire to bring the pastures back to life.
Hempcrete doesn't burn, is a brilliant insulation material, it is breathable, antibacterial and anti fungal, critters and bugs won't eat it.
Termites will eat it. It is structurally weak, can’t be used below grade, absorbs water. Is expensive, unavailable to most, little known about it, to builders …. Moral of the story… nothing is perfect. But cool concept.
Great thoughts
I had a conversation with my insurance agent a few years ago, he told me that in my area, roofing is the primary driver of premium costs, and that the only effective way to lower premiums js the reroof with metal instead of shingles or slate.
There are people out there that will do a controlled burn for a price. I live in an apartment, so I don't have any choice, I don't have your luxury. However, I still like to learn things, so I watch thx.
Great topic. Something I've been considering for some time as I watch my annual premiums go through the roof. The only time I ever claimed was when I lived in the city and... go figure, my vinyl siding got blown off the house. What a nightmare.
Great video, very informative and timely. Btw at 15:58 you are glowing over the background, are you an angel? 😂
Thanks awesome presentation, well done with lots of examples and information. 🎉
thx for giving oxygen to the weary. blessed.
Water alarns are the best invention for water leaks. Put 1 wherever. Washing machine was our latest leak detected.
You have just said what I have been thinking for many years of course it goes even farther if you work for a living at a paying job as they promote the same people to keep the failing system in place because it feeds the rich.
I've heard some of the big insurance companies are sneaking in their policies that if you drive your vehicle on a inclement weather day and have an accident, even if it's no fault of your own, you will not be covered.
Excellent info, I agree with your analysis (only thing I didn’t catch is what you use for insulatio).
Worst part of insurance, is its Bank Required for mortgage. If thats not sussy then I dont know what is. Also Congrats on making it man, and good job on infrastructure, dang, I was design Eng for 10 years and your output is really impressive man.
If you have a mortgage, it’s the banks house and they mandate YOU to protect THEIR asset. Sounds right.
Another firefighter said to have a water sprinkler on your roof to be able to turn on when there is a fire nearby. Then he also said to clog your gutters with a sponge so that water will collect in the gutters to help prevent fire spread. I thought that was clever.
Another guy said to attach sprinkler heads to the outside of your house pointing out to the grass area if you have grass nearby.
You guys being up north, probably have to drain the lines tho, but would still be there if need be🤷🏼♀️
A son stole his mother's new car and couldn't negotiate our corner during the winter. He hit my wife's parked truck, catapulting her truck into mine. He was caught due to our security cameras. Not our fault whatsoever. One truck was written off and the other had 11k damage.
Two years later I get a letter from AMA stating due to the accident our premiums are going up due to that accident. 😮 What?!
Would you rather pay the repair bills and not get a little premium increase ??
(No free rides in life !!)
@@hj8607that's not the point whatsoever. I demand what I pay for. No complacency no deception. Thats not a free ride. Court decided in my favor for both deductibles. Now I'm going after the premiums. Never be a pushover.
@VintageFordChannel (keep in mind that insurance companies are under no legal obligation to offer anyone their services.
Also unlike medical coverage a preexisting condition can result in uninsurability.
(you can huff and puff but it's just hot air (don't reply,))
Interesting topic and a subject that has caused me many gray hairs and arguments with my insurance brokers.
I have seen several metal glad buildings that turned into blast furnaces. The only way to prevent that is to limit your combustible materials stored inside.
Another issue is that most people are forced by laws or banks to have insurance since they don’t own anything.
I just went through a 40% increase last September on my insurance coverage with no claims against my insurance for years.
Sprinkler heads are cheap online. Its the over the top installs that costs a ton.
You could use PEX pipe for the sprinklers as it would take a huge fire to melt the pipes as the water on the inside sucks the heat out of the plastic.
You could do a passive system with a manual or remote activated valve if you do not want pressurized water in every room of the house, then turn it on with smoke detectors.
A smart house system with smoke detectors and remote valves can be programmed to do this automatically, then the fire would melt the bead in the sprinkler head.
Thank you for covering this.
Happy the refer chicken houses worked -- still hoping to do that.
all summer they cloud seeded almost everyday . sometimes not sundays and mondays
I read that the insurers in cali cut fire cover a month or three before the fires after making their own assessment that it was a liability to keep covering the area based on the actions of the state. It strikes me as insane that insurance companies are a for-profit entity, like that seems like it's a service that the state should be handling or you get what insurance companies are today. Yeah there would be mis-management as with everything the state puts it's hands on, but it just seems insane that it's a for-profit entity. Like talk about a conflict of interest.
Why do you still have home insurance and what will it take for you to end it? For a mortgage? I also have mitigative strategies put in place so I'm asking myself the same questions.
Insurance is an important thing to have, but because everything is so abused and the premiums are so high, it’s pretty much not worth it. Still, what if? ✈️ could drop out of the sky on the house.
Great advice...Thanks! Useful for future use if I get enough $$ for a homestead.
I'm old, don't want all you have, but I'd like more than what I got.
Slave Lake Kelowna
metal, metal, metal..... doesn't burn. Very true. I've watched a video from LA showing metal posts on the side of a road burning. Thanks for the video anyway.
When you insulatied did you use pink insulation or roxul insulation?
House Roxal, rigid wrapped as well, blow in cellulose attic. Ag buildings are being typically rigid in walls and blow-in attics.
I only like roxul insulation as it is environmentally friendly and fire resistant. Also easy to work with.
Love your video's.
Love your sarcasm.
Everything you stated is true. I see many people use the insurance for minor issues.
Some places in the country they no longer allowed to build basements because of the potential of water damage.
Hi again neighbour! Flooded basement I had here in Ab 3 years ago. Please send me your general location. Looking for some raw land to start afresh in a homesteading environment while considering amenities required for my wife and I as we are not spring chicks. Growing potato land? Near Ashley and Nate?
Our closest big city is Saskatoon. Decent people outside the city, homeschooling and self reliant people, homesteaders, etc, 👌
Smoothie insurance 😅
I got two cases 👍🍀🤠
It's worth mentioning mortgage debt: in the US at least, lenders include insurance as a *requirement* for a mortgage, and the fine print lets them buy it on your behalf (and charge you for it) if you 'fail to provide proof of insurance'. They can apply the payments you make each month to the insurance, claim you're failing to pay your mortgage, and foreclose on you. If you're as cynical as I am, the absurd rules for the insurance industry look like a clever way to steal people's homes. You can avoid this pitfall by paying off your mortgage or buying without one.
Been thinking this was coming for awhile now
And trees a hundred feet away draw lightning a hundred feet away. And keep the tree bugs a hundred feet away.
So does metal. Since lighting meets a “ flare” jumping from earth.
I love this. You make me want to sell my 3 expensive stick built houses in fire prone areas in city burbs, and build an all metal and steel Barndominium in the countryside instead! Metal studs, metal lath with plaster instead of paper coated drywall. Self insured as I have the cash to be so. Though it bothers me a bit you talk about all metal construction while standing in front of some wood stick framing lol.
Steel exterior studs transfer cold, so I prefer wood and protecting it. The insulation is the same with their construction. 👍
Have you thought about metal framing and metal roof trusses for your external buildings? You can use fire resistant wall board where you need it.
Metal framed big buildings seem to be a great deal more expensive. And the insulation is the same as wood. I’m ok with wood and protecting it well. 👌
@@ArkopiaUA-cam Understandable and realistically those buildings are relatively easy to replace if needed (at least compared to a house).
@@ArkopiaUA-camdo you run the electrical wires on the outside of the walls so the possibility of rodents chewing the wiring is eliminated?
Best to keep rodents out of the walls of course. 👍
Can you imagine the hail storm noise ( not to mention dents ) … all those buildings would sound like a rock concert … cool!
Your plan makes so much sense. IMO the insurance companies in LA will get out of town. Those people are screwed. Insurance is mostly just a mental satisfaction and most of the time a mandatory scam rather than being a real deterrent. You're NOT in "good hands".
Did you know when a combine burns down insurance will pay out for that combine. If that combine burns down they will pay out and that will be the last. No insurance company as they work together will insure a third combine. We have had alot of combine fires but never burnt down a combine
Poplar trees are fast growing but also a short lifespan. Old limbs get fragile break and hit buildings
All the new builds here in Calgary are vinyl siding. If you know anything about this city, you know why that is a godawful idea.
Golf ball sized hail (or bigger). Every year.
Just absolutely shreds it.
Where I live, car insurance went up 31%. No reason (no tickets, no accidents etc)except “The Company has always looked to maintain stable pricing for our Insurance Products, however due to inflationary pressures which has resulted in the increased costs of motor losses, the Company has had to look to manage our pricing, and in an effort to maintain the level of coverage provided and the financial stability necessary to respond to potential claims, we have had to increase our premiums respectively.”
Brutal. When does it end?
I don't think corporations are to concerned about land management because they are about profit. Canola should be made illegal. People want cheap food and without cheap labor there is no cheap food. These fires are right bizarre and I've seen the craziest things with the Canadian fires in NE BC and it makes absolutely no sense why it happened. People need to understand that something very strange is going on and nobody is safe..
That “strange” thing that’s going on is called climate change, aka global warming… Have you ever seen a blacksmith’s forge? When you add high winds to a fire, that’s what you get… I used to have a tough time finding a day windy enough to fly my kite as a kid, now I have a tough time finding a day calm enough to fly a kite… And this is just a small taste of what’s to come…
Dropping insurance isn’t going to be a choice in the near future… None of those companies will be around.
"Regulatory climate change" has far more impact on me than the CO2-related variety. It gives me the warm fuzzies to learn about people in the EU who took out massive debt 15 years ago to build solar, and are crying about bankruptcy now that subsidies have been cut and they're no longer able to sell their electricity for 3x market rate.
One can insure themselves into bankruptcy
And bankruptcies can recognize saving for the cost of living.
I was thinking about Nighthawkinlight's video on homemade fireproof material. I wonder if it could be incorporated into a stucco finish as a fireproofing measure.
I have given a lot of thought to what you are talking about. Since I need a new roof I was thinking about insulating under the metal with rock wool to be a heat barrier if the metal gets too hot. Just a thought. Any comments pro or con appreciate.
If it is an attic, it is more important to have the attic venting very well. And more insulation (r80) in the ceiling. I also never put a dark color metal on (you want it to reflect the sun)
my insurance went from $875 to $2800 over 15 years.
a coworker told me they saved with TD insurace
i switched over and i pay $1265.10 now
it a different policy in afew ways but has up two million in replacement.
Wow. I’m going to shop around more. 2m replacement for that price is great
you can get a quote online in about 10 minutes, its like 5 questions.
it might not be for everyone fyi probably a good one for you dean
up to if your property replacement value is that much
You can’t fix stupid Dean. You are one smart guy.
My question is, is there a way to escape “liability” insurance? I’d like to opt out of insurance but what to do If some asshat wants to sue because they came onto my property and hurt themselves?
No witnesses? 😃 just kidding. I thought about making every new farm customer sign a liability waiver form before being able to purchase eggs, milk, beef, pork, chicken, fish, fruit, vegetables, tinctures, etc. private membership type set up. No sales to public
@ yes I’d like to hear more on this topic and and outcomes of such. Proving due diligence is key.
I live in a condo building in toronto...what can I do with very limited budget?
Sell your fire extinguishers to pay for insurance, like the system wants.
Leaving in a lake with floating house maybe?😊
Sounds like a sitting duck for lightning strikes
@MagpieMalone waiting for the perfect strikes 😅
Has anyone notice that if you want to drive a vehicle in most places, you need insurance. Has anyone notice that if you barrow money, ( mortgage ) insurance is required. Insurance is so that society survives. Not the individual or an individual item o4 thing. You ever notice that wealthy people seek out ways not to pay for things ( they think ). For example: Driving an EV thinking they’d avoid road tax etc. People need people. You ever notice that”Self Reliance “ relies on society remaining healthy so they’d be able to be self reliant.
California use to have the biggest lake in the states. But in the early 1900s they diverted all the water away now it is entirely gone gee wtf.
Right. Then storm drains to the ocean on top of that giant freshwater lake gone.
Insurance, rewarding the idiots that would have died in the old days, while punishing hard working families that do things the right way. God Bless.
The issues you might have is protecting yourself against liability should someone get hurt on your property, dog bites someone, cow gets out and a vehicle hit's it, tornados and fire fighter expenses should you accidentally start a wildfire/grass fire that gets out of control and need to get the fire department involved.
My plan! Get by with a little help from my insurance?
shop tour when? or have you made one already i wanna see how this mans mind works when designed a shop
Your mind thinks exactly like mine and agree with you 10000000%. People who think this way however are intelligent, but the insurance need to cover themselves by the lowest common denominator (stupid people). It is just so much easier for the insurance companies to make one standard and apply to everyone. Sounds so much like socialism at its best!!!! Wish I could just stop paying these ridiculous rates, but I live in the suburbs surrounded by special people! Time to become a homesteader!!!!
Those million dollar homes were to expensive to insure, it won't affect insurance rates and the little guy 🎉
Hello bub!
I am also of like mind when building and I understand your focus on thr issue with fire, but I will play devils advocate,. There’s no ideal building material or method that can deal with most possibilities. Screws break and nails bend. Metal corrodes, condensates. Tornados / high winds explode from inside out more than push over on the outside. Termites and other issues can easily go unnoticed with all metal cladding. So there is a trade-off and a fine line between things that can damage property.
Insurance companies wouldn't go under if they banked the money in good years, instead of giving the ceo's and others huge bonuses. Wow, what a concept.🤔
Insurance is not banking. So many people don't take that on board. It's not your money accruing somewhere, it's you paying for a service that isn't guaranteed (or more accurately, is supplied in accordance with the policy wording that you didn't bother reading).
The industry will never collapse due to payouts because the underlying actuary has already accounted for everything they'd likely have to pay. Your business going bust means you didn't hire good actuaries (or more likely, didn't listen to them).
There's also the fact that in a place like America lawfare is both common and logical (and unethical) for entire industries. All an insurer would have to do to remain solvent in many cases is stall for time, which is something they can and will do. Even the motto of "Collect early, pay late" will get businesses through a lot of hard times.
If you don't want to accept the limitations of dealing with insurance then good news: you don't have to. Paying your own unexpected and exceptional bills is the default state of the world.
i understand where you're coming from but,,,the elephant in the room is severe earthquakes,,metal ,wood ,,concrete it takes no prisoners,,,ive been there...including underground pipe work all trashed...
Have lived / servived several kinds of storms, I have noticed what fails. Metal is first to fail.
Your biggest threat is not fire - it's snow. You could get 15 feet of snow - how is the load bearing strength of your roof.
🤗♥️
Tornadoes could be the catastrophic loss but not sure if insurance would cover…
It's all good until the fire comes from the sky once that monster of a volcano goes. you're so close man. Those poly windows drip like styrofoam when they're burning. Thanks for the other tips though. i'm in the process of building a small home on a mountain, I think like you, ive planned and re-planned so many times tweaking the design as i go, what do you think about the blue roof "conspiracy" where none of the structures in hawaii with blue roofs burned?
As for blue roofs, I’m not sure. Frankly nobody will ever care about my dinky farm away from everyone else, if the conspiracies are indeed true. So I’m not worried.
Insurance does mean not surety. It's right there in your face
most insurance seems to be nothing more than legal extortion and is often required by laws. if more people looked at how much their insurance cost was over time they would realize they could replace what is insured in a few years......but no one saves money so that thought never occurs to them.
Try having a mortgage and not have insurance. I understand what you are saying about being self reliant but most people aren't buying property with cash.
You must insure the banks asset that they purchased with currency printed from thin air. 👍
Problem with insurance is you’re sharing the load with a bunch of morons. Wish there was an insurance company that the only way you could get in was with an iq test or a test on common sense.
I think some little insurance companies started out with good intentions, but like everything it gets ruined.
Have you ever wondered why we think of selling a problem ( say a car ) to a moron in order to get rid of a problem? Why do we assume there’s that moron or desperate soul!
Or drivers licences
i wouldnt even have insurance if it wasnt mandatory for my mortgage. 4k a year FOR WHAT?????? NOTHINGGG
Make insurance so expensive, property taxes so expensive,
You will own nothing.
Get a good insurance agent.
That’s not going to help if your insurance premium is too high or the insurance company goes under.
Only so much they can do. If way more payouts, premiums have to rise
Holding a mortgage requires insurance doe it not?
Definately. Financers are zero risk lenders.@@mattfalco4996
Insurance is only for things you cannot afford to replace. For auto, I can get a better deal on a windshield/door/tailgate whatever, for less than the deductible on my insurance, so I never use it for anything less than a total loss. Where I am, they charge 10% extra for a wood stove. Forget about Oil Heat, one year the tank must be in the basement, then outdoors, then have a roof, then roof is bad, then needs a gravel catch-pit, then needs a concrete pad, then must be a Steel tank, now must be fiberglass.... and now, it needs to be secured to the ground with cheap $10 ratchet straps from Crappy T's.... UHG! you need to be a millionaire, living in a $1000 shack to be self insured. But you never discussed the Liability side of things... stupid people doing stupid things on your property, and somehow you are responsible. Also, make sure you have a quick shut-off from your well/water supply to your house (Mine is in the basement) and make sure it works at least once/year so you can quickly stop the water and drain the lines in a hurry if needed (Had a metal fitting on a toilet decide to spontaneously burst recently, the main shutoff helped save the bathroom!)
Didn’t even get into the liability stuff. I guess that’s why on pizza boxes it says “do not eat the box”. Go humanity. ✌️
We are at 25% extra for a wood stove.
@@breezybre2670 Uhg... but, it is 0 Carbon emission, so of course it costs more... There is fire in the wood stove, there is fire in an Oil Furnace, there is fire in a Gas Furnace... but lets make the wood-burners pay more... because they can.
Insurance and the crappy building ways of most Canada are a scam.
Wow...really? You have a wood stove and yet we are talking about a major FIRE...where's the WOOD coming from for your wood stove??? Did you hoard a bunch of wood in your house that didn't get burned up in the fire??? I agree that homes should have to be built TO CODE reflecting the area - if you live in a flood zone, then why the hell aren't builders required to build homes on stilts, for example? (I lived near the Ohio River for several years on a boat, so MY home floated UP with the water (tethered at a dock), but I saw many older homes flooded and/or floating down the river) OR, in fire-prone areas, why aren't the homes made of concrete which does not burn? A few years back I saw a picture of ONE HOME in a California neighborhood standing after a fire and it was a concrete (monolithic style) dome home. In earthquake prone areas why not have dome homes and similar style structures that resist the tremblers and outright shaking of an earthquake. Round structures like domes also resist hurricane and tornado winds and if made of concrete, resist the hits from flying debris taken up in the winds. So instead of banging your own horn that really isn't all that great, how about advocating for CODE REQUIREMENT CHANGES TO REFLECT ISSUES TO THE AREA WHEN BUILDING HOUSES!!!
If I had influence to change society to better it and prevent it from collapse, the building code is a ways down the list. So, I do my own thing. 👍
I get the feeling this guy isn’t an expert for 98% of things he’s talking about. Making it as he goes or repeating hearsay.
Insurance is just a scam
Your opinions on climate change are extremely poorly informed. Until you take the time to listen to experts and read about the topic you shouldn’t be advocating against climate change action. There is still time to make a difference on the intensity of the impacts. We can all start by rejecting Neoliberal ideology and voting for climate action in the election. Total independence and individual freedom is not the answer, it’s communities helping each other and doing the right thing. Nature works by cooperation not competition. The winners and losers ethos is why we are destroying our planet.
Install fire suppressant systems? Then just insure main home perhaps.