The Log Home Neighborhood

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Cynthia Gugg
  • Castro Valley, CA
  • United States
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Cynthia Gugg's Friends

  • Judy & Lee Peacock
  • Carol Afshar

Cynthia Gugg's Discussions

Overbuilding - anyone else?
9 Replies

So the real question would be for a financial advisor, but wondering if anyone else has run into this and their thoughts.  California is an expensive and tough place to build, I've been warned.  Our…Continue

Tags: expense, overbuilding, appraisal, low

Started this discussion. Last reply by Cynthia Gugg on Tuesday.

Builder's Risk (course of construction) AND liability insurance?
5 Replies

I've been shopping around for builder's risk insurance and already have some quotes (Zurich).  Our current homeowner insurance agent said we also need liability insurance, even if our general…Continue

Tags: liability, insurance

Started this discussion. Last reply by Fred Roberts May 18.

Has anyone used wood waiter?
2 Replies

I asked a question about dumb waiters two years ago (yes, we are still in design phase) and Wood Waiter was suggested.  I see their ads in the magazines and have looked through their website.  Their…Continue

Started this discussion. Last reply by Cynthia Gugg Nov 1, 2014.

Drywall ceiling vs tongue & groove

We're trying to get the cost of building our log home down to budget and considering using drywall on some of the ceilings.  This would be just one of many cuts we have to consider (the savings will…Continue

Tags: ceiling, groove, &, tongue, drywall

Started Jul 22, 2014

 

Cynthia Gugg's Page

Latest Activity

Cynthia Gugg replied to Cynthia Gugg's discussion Overbuilding - anyone else?
"Just thought I'd follow up for anyone doing a search on appraisals, etc.  We were able to get our bid down a bit and come up with more cash (ouch), so moving forward at this point.  One of things that threw us initially was reading…"
Tuesday
Cynthia Gugg replied to Kim Dispensa's discussion Favorite Log home Kitchens
"Funny, I love this picture and gave it to our architect when designing our log home!  Of course mine will be smaller scale, but same layout with a see-through fireplace,, etc."
Jul 26
Cynthia Gugg replied to Cynthia Gugg's discussion Overbuilding - anyone else?
"Hi Thomas, I agree with your classic car analogy - it's not for everyone but it's worth the extra time and expense to have something so special.  As for the bank, they are regulated and can only loan 80% (90% with PMI) of the…"
Jul 7
Cynthia Gugg replied to Cynthia Gugg's discussion Overbuilding - anyone else?
"I think it helps just knowing that others have experienced these type of set backs.  We are taking some time to figure out what we want to do, but will most likely move forward in th  next couple of months.  We've already…"
Jul 7
Guild Log and Timber replied to Cynthia Gugg's discussion Overbuilding - anyone else?
"LOL  about 30% of  my customers end up building with cash because of the rates. Then they  finance when completed. There are so many hoops when it comes to that type of loan, some customers just want to move on."
Jul 7
Colorado Log Home Finishing replied to Cynthia Gugg's discussion Overbuilding - anyone else?
"JD when you build my log home I'll be sure to have cash."
Jul 7
Colorado Log Home Finishing replied to Cynthia Gugg's discussion Overbuilding - anyone else?
"In my experience, log homes cost about twice as much and take 3 times as long to build as originally planned.  If you plan on building x = y in the end it will be more like x + x = y.  If you follow this equation you will succeed.  If…"
Jul 6
Penny Tritt replied to Cynthia Gugg's discussion Overbuilding - anyone else?
"Yes! We are paying more than the surrounding market and more than the appraisal. Our appraisal came in MUCH lower than we anticipated or hoped -- for the same reasons you gave -- and we are in South Carolina! This really put us in a bind for a few…"
Jul 2
Chris Wood replied to Cynthia Gugg's discussion Overbuilding - anyone else?
"Unfortunately, appraisal values only mean what the current market is willing to pay for shelter.  Taking the value of the land out of the equation, a brand new home with the latest and greatest always costs more than a "used" home.…"
May 27
Cynthia Gugg posted a discussion

Overbuilding - anyone else?

So the real question would be for a financial advisor, but wondering if anyone else has run into this and their thoughts.  California is an expensive and tough place to build, I've been warned.  Our appraisal for the projected log home (new construction) came in MUCH lower than the cost to build.  Part of it is due to the spotty market in the semi-rural location we want to build and part of it is due to the nature of our custom build.  Any of you pay more than the surrounding market to build…See More
May 27
Fred Roberts replied to Cynthia Gugg's discussion Builder's Risk (course of construction) AND liability insurance?
"Cynthia, that was a smart move on you and your husbands part. GL is normally looked at as trip and fall coverage but, lets say your start small burn pile to get rid of some brush and the winds pick up and the next thing you know your neighbors house…"
May 18
Cynthia Gugg replied to Cynthia Gugg's discussion Builder's Risk (course of construction) AND liability insurance?
"Thanks Fred - after much discussion, my husband & I agree that the extra protection is worth it.  The site is accessible & viewable to many folks passing by, especially our neighbor's young & curious kids!"
May 18
Fred Roberts replied to Cynthia Gugg's discussion Builder's Risk (course of construction) AND liability insurance?
"Cynthia, the additional liability on your builders risk, will protect you against liability claims, your GC's liability will protect them against claims. So that being said, I believe the additional liabilility coverage for yourself is a…"
May 18
Cynthia Gugg replied to Cynthia Gugg's discussion Builder's Risk (course of construction) AND liability insurance?
"Thanks Thomas.  Since my GC has liability insurance and is handling the whole job, it sounds like we don't need to carry liability insurance as well.  Or, is the extra protection worth it?  The cost is slightly more than the…"
Mar 9
Colorado Log Home Finishing replied to Cynthia Gugg's discussion Builder's Risk (course of construction) AND liability insurance?
"This gets to be a bit technical.  Your insurance agent will probably have the best explanation for you.  In the State of California Workman's Comp Insurance is compulsory meaning by law you have to carry it.  When I google…"
Mar 9
Cynthia Gugg posted a discussion

Builder's Risk (course of construction) AND liability insurance?

I've been shopping around for builder's risk insurance and already have some quotes (Zurich).  Our current homeowner insurance agent said we also need liability insurance, even if our general contractor carries it.  He said anyone injured on our property during construction could sue us without it.  I always thought it was just the general contractor who needs to carry this... anyone else run into needing liability insurance?  We live in California if that makes a difference (where everything…See More
Mar 5

Profile Information

Tell us about yourself:
Like most people new to log homes, we're pretty excited about building one in the near future. Might consider a hybrid timber and want to incorporate as much green as possible. This will be a weekend vacation home for extended family and future retirement home. Hope to gather as much information and advise as possible in order to make decisions we won't regret!
Are you lucky enough to be living in a log home?
Not yet, but have almost closed on some land and can then start the planning!
What timeframe are you looking to start your dream home?
12-24 months

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At 12:19pm on April 7, 2013, James W. Harbin said…

Hi Cynthia, I strongly recommend you consider cedar for your log home for lots of reasons. Check out usaloghomes.com.If you have a plan you can get real pricing. These folks have an advantage,they use the entire tree and they are close to their resource. Good luck, Jim Harbin

 
 
 

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