Anyone ever demo a house?

Originally Posted by BumpRacerX

We have a small house in our home town that the wife and I have owned since we were kids (literally 20/19 when we bought it). The last few years, we have been using it at a rental property. The very first day of our vacation, 10 o'clock at night, we received the call no one ever wants to get. Our rental caught on fire. It sounds like the walls are still standing, and the floor system is ok (other than the OSB which has been soaking up the wetness since last Monday and is surely warped at this point). The interior is gutted, burned a few trusses, etc. Sounds like an electrical fire.

House is pretty small (768sf) ranch on a crawl space, and I'm almost certain the insurance company is going to total it out. I'm toying with the idea of doing the demolition myself if I can get the insurance company to pay me for it. Anyone ever demo a house? Other than the obvious things, is there anything to look out for?

No one was hurt, Mrs. renter and the kids were down in Florida for Spring Break. Mr. Renter wasn't home. Fire Department did a **** good job of keeping the fire contained to the house.

Overall just a rough way to ruin a vacation. Gonna slow down my ability to purchase e-waste until after I see exactly how everything is going to play out with the insurance company.

My knee jerk reaction is that it may be a bit diffuclt to get paid from the insurance company, have a contractor do the work, but it depends. If you have a mortgage, the mortgage company is really the one that will get paid from the insurance, you then will have to get paid from the mortgage company. This makes things very complex. What many people complained about when the storms hit the east coast was how diffuclt it was to get the money from the mortgage company. They want to pay the money out as the work is completed (ie. when you finished 20% of the work, you get 20% of the money).

If you do not have a mortgage, you should be able to get a check for the amount of the rebuild and be able to hire your own contractor, or even not rebuild at all.

If you are in the second group ( no mortgage) I think you could go in and demo what you wanted, hire a contractor to rebuild the way you wanted, get it inspected to make sure it's up to code, and pocket any money saved which would be your payment. The cool thing about this would be you can change the layout, if you do the work yourself you can upgrade the home with no money out of pocket. I would get a free estimate PRIOR to any demo from a few contractors. You don't need to use these contractors, but it will tell you what you are going to need done, so you will know what demo was necessary.

You really need to talk to the insurance company about the policy and what you want to do.

Maybe the fire dept would like to finish it off as a practice burn? Our church owns 2 properties that had junk homes on them. FD burned them to the basement and I got salvage rights. Wasn't much to salvage unfortunately, but far easier than trying to get stuff out prior, though I did get some copper out before hand.