Before we could close on our construction loan with the bank, we had to submit proof of ‘builder’s risk insurance’ to the loan officer. We THOUGH there would be a simple builder’s risk type of policy from the insurance companies that would cover things like ‘theft of materials’, ‘new construction theft’, and ‘dwelling under construction. What we found was most insurance companies wanted you to buy a complete homeowner’s policy with them instead.
If you have a composite deck or patio… over time, scratches are practically inevitable. For the most part, ‘routine’ scratches won’t even be noticeable, but it’s the deeper scratches that you’ll probably want to cover up.
I would venture to guess that those who buy (or build) log homes are typically people who have a greater appreciation for — and involvement with — the outdoors. There’s just something about a rustic cabin-type abode that appeals to outdoorsy people. But did you ever stop to think that Mother Nature is both a log home owner’s friend… and enemy?