[MassHistPres] old house insurance and windows?

[mfenollosa]

And on a related note, can anyone provide names of companies in 
Massachusetts who are comfortable with insuring historic buildings? The 
building in question is an historic yacht club on the North Shore.

Thanks for any recommendations!

Marilyn Fenollosa


On 12/3/2013 6:30 PM, Karen Johnson wrote:
> Hello,
>
> Wondering what you think / do you know / have you heard of issue with
> Insurer 2 below.
>
> My house is 90 - 100 years old. Insurer 1 will not insure for full
> replacement value due to the age of the house. Insurer 2 will insure
> for replacement cost but says:
> "Your home is 4.64 miles from the coast; which means that xxxx would
> require confirmation of the installation of the windows and doors in
> your home and that the specifications can withstand winds in excess of
> 122 mph.  We would require that proof prior to ordering and completing
> the required pre-inspection of the property".
> In further correspondence I am told "homes within 5 miles to the coast
> in MA, tend to have more wind damage claims". That is it.
>
> Apparently I can get replacement cost insurance if I replace all
> windows and doors.
> Not intending to start emails about old windows, I will keep mine, thanks.
> Do you see insurers as a problem for old houses?
>
> Thanks for any feedback,
> Karen Johnson
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