If my home were destroyed could I rebuild my replacement home on a different location on my property.
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UPDATED: Oct 17, 2011
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Insurance Question from Logan, OH
Asked on 10/17/2011
If my home were destroyed could I rebuild my replacement home on a different location on my property. I own 46 acres of land, my home currently sits only 30 feet from the road. If it was destroyed, could I build it farther back on the property away from the road?
Answer given on October 18, 2011
Homeowner insurance policies have limitations on whether you can rebuild at a different location or not if the home is destroyed. In this case, the property is the same, but you are wanting to move the location slightly. It may be that you would be required to move the location, for a setback for building ordinance. You should talk to your agent or insurance company and see what they say about this move. Again, building ordinances may require you to adjust the location on your property, and that is usually covered in the homeowner policy. Some policies allow you to rebuild your home in any location, as long as the change of location does not affect the rebuilding costs. You should also review your insurance policy. It should clearly define the rebuilding coverage and changes to the location. After reviewing this, see if it agrees with what your agent or company told you about the reuilding rules.
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