Custom Modular Wiltshire T-Cape
Recently we built a custom modular T-Cape for one of our customers. The plan is the Wiltshire, which is also available as a one-story with a lower pitched roof.
Here is the modular Wiltshire T-Cape elevation:
Here is the modular Wiltshire T-Cape floor plan:
The standard modular Wiltshire T-Cape has 1,900 square feet, three bedrooms, and two baths on the first floor.
Click here to see several photos of our custom modular Wiltshire T-Cape.
As the photos show, the three front facing gables along with the center A-dormer add character and charm to the exterior of the home. The entry porch is practical yet ornamental. The floor plan is set up for easy entertaining. The kitchen, which opens to a large dining room and gorgeous living room, features a gourmet chef’s granite center island along with plentiful cabinets. The distinctive hardwood floors and Italian tile add beauty throughout the home. The master bedroom suite is well-equipped with dual lavatories, an oversized shower, and a generous walk in closet. The other two bedrooms are comfortably sized, while the laundry room provides ample and attractive cabinetry. The unfinished second floor offers abundant additional room for future expansion, such as for another bedroom or two, a home office, playroom, or storage.
Why You Need Construction Insurance
Here’s a risky way to save money building a modular home. Select a modular dealer and contractors who are not properly insured.
Imagine that a neighbor’s child is seriously hurt when he falls into your cellar hole before your modules are set on the foundation. Imagine that one of the trucks delivering your modules strikes your neighbor’s car causing serious damage. What if the crane company drops one of your modules rendering it unusable? What if a member of the set crew is seriously injured or killed when he falls from your roof? Or what if the plumber fails to securely connect a pipe, which causes severe water damage before the leak is discovered?
Accidents and mistakes can happen when building a home, regardless of the type of construction. Since the right insurance can mitigate the damages, you need to ensure you’re thoroughly covered.
Require Everyone to Obtain Construction Insurance
This is best done by requiring everyone involved in building your home to have insurance. (Here’s a previous blog that elaborates on the insurance you need.) Making this a requirement won’t prevent disagreements about who is responsible for coverage, but it will increase the likelihood that one or more of the insurers will take on this responsibility, which is a lot better than you being saddled with the liability.
Verify Construction Insurance Coverage
Making insurance a requirement, however, isn’t enough. You need to verify that each party has a current policy with sufficient coverage. To do this you need to insist on receiving a “certificate of insurance” directly from each party’s insurance agent. Getting a copy of the certificate directly from the insurance agent will protect you against being duped by a dealer or contractor whose policy has run out, since it is not difficult for someone to doctor a photocopy of an expired certificate. You might be surprised how often this happens, mostly because builder insurance is expensive. There will be no sympathy from the insurance company, however, if you file a claim against a policy that was not renewed. After receiving the certificates, you should ask your own agent to review the coverage. They should be able to determine if the coverage includes sufficient liability insurance and workers compensation insurance.
Secure Your Own Construction Insurance
Since you need to have coverage from everyone working directly on your project, you also need to follow the same procedure with any subcontractors you directly hire. In addition, you should obtain either a “builder’s risk” policy or its equivalent for yourself, since this will provide better coverage against theft and vandalism than an ordinary homeowner’s policy.
For more information about modular home construction insurance during its construction, see Selecting a Modular Home Dealer, Selecting a General Contractor, and Financing a Modular Home in my book The Modular Home.
You can add solar panels to any of our homes. Our homes, which already are very energy efficient, will now generate electricity to help you save money and protect the environment.
You can select the solar company of your choice, and The Home Store will work with your provider to make this possible. This is your chance to save for years to come.
Electrical Rates Locked In for 20 Years
Your solar system will generate its own clean, affordable energy at a lower rate than you’d pay the utility company. In addition to being energy efficient and energy secure, your home will be protected from unpredictable rate hikes. A solar system lets you lock in low, predictable rates no matter how much utility rates rise. Imagine paying $1.11 for a gallon of gas. That’s the price you’d pay if you locked it in 20 years ago! You can’t go back in time, but you can lock in low energy rates now. You can literally watch your savings grow over time.
Green Solar Energy
In addition to the financial advantages you’ll enjoy with your solar system, you’ll also feel pride in knowing you’re helping to protect the environment. Solar power is one of the cleanest sources of energy because it doesn’t emit any greenhouse gases or other pollutants when it’s produced or consumed. Unlike generating electricity from fossil fuels, creating electricity from sunlight slows global warming.
Solar energy is inexhaustible, unlike fossil fuels, so it will never run out. It also provides a measure of energy independence since no one can buy the sun or turn sunlight into a monopoly.
Sleek Mounted Solar Panels
Today’s solar panels are quite attractive. As you can see in the photo of our sales center’s two-story model home, the solar panels sit low to the roof in a sleek, modern appearance that enhances the curb appeal for savvy, energy conscious buyers.