Notifications
Clear all

Builder Insurance—Ever Wondered Who Covers the Mishaps?

320 Posts
297 Users
0 Reactions
1,671 Views
shadowkayaker6913
Posts: 3
(@shadowkayaker6913)
New Member
Joined:

I've had a similar experience when I brought up energy-efficient insulation and solar panels to my insurance company. They weren't overly impressed unless I could clearly outline how it lowered specific risks—like reduced fire hazards from updated wiring or better roofing materials that resist hail damage. It seems insurers prefer tangible, measurable risk reductions rather than general green certifications. From what I've seen, it's pretty inconsistent across insurers—some appreciate certain features more than others, so shopping around might help.

Reply
mario_dust
Posts: 7
(@mario_dust)
Active Member
Joined:

Yeah, insurers definitely lean towards measurable, concrete benefits. When I built my place, I had to practically spell out how my upgraded roofing and wiring reduced specific risks before they'd budge on premiums. Green features are great, but insurers see things in black-and-white terms—risk vs. reward. You're spot-on about shopping around though; some companies gave me credit for stuff others barely glanced at. Keep pushing, you'll find one that values your efforts eventually...

Reply
karenwalker733
Posts: 17
(@karenwalker733)
Active Member
Joined:

"Green features are great, but insurers see things in black-and-white terms—risk vs. reward."

Yeah, that's been my experience too. I mean, I get why insurers prefer clear-cut benefits, but isn't it a bit shortsighted to overlook long-term savings from green upgrades? When I mentioned energy-efficient windows, they practically shrugged. Did you find any insurers who actually valued sustainability, or was it mostly just about immediate risk reduction? Either way, good on you for sticking with it...sounds like persistence pays off eventually.

Reply
Posts: 9
(@cyclotourist72)
Active Member
Joined:

I ran into the same issue when I brought up solar panels—got the classic blank stare (well, the email equivalent anyway...). Seems insurers mostly care about immediate risks, not long-term benefits. Still, fingers crossed they'll catch up eventually, right?

Reply
culture_breeze
Posts: 12
(@culture_breeze)
Active Member
Joined:

Totally agree—insurance companies often seem stuck in a reactive mindset. A few points I've noticed from my own experience:

- Insurers are primarily focused on immediate, quantifiable risks because that's what their underwriting models are built around. Long-term benefits like solar panels or sustainable materials don't neatly fit into traditional risk assessments.
- I once had a conversation with an agent who admitted their system didn't even have a proper category for solar installations... they ended up lumping it under "roof modifications," which obviously isn't ideal.
- Interestingly, though, some high-end insurers are starting to catch on—especially those catering to luxury homes where sustainability features can significantly boost property value. It's slow going, but there's hope.
- The real turning point might come when insurers realize that these "long-term" investments actually reduce their overall risk exposure (think fewer claims related to energy outages or weather damage).

Fingers crossed indeed they'll start connecting the dots sooner rather than later...

Reply
Page 16 / 64
Share:
Scroll to Top