Home Owners Insurance and NVR

Ok, we are first time home buyers so this topic is new to us. Late bloomers, we know :) I was asked to provide documentation of contact info and a policy within 30 days before closing. What on earth can I provide NVR without an actual policy? A quote? We have all of our other insurance through Allstate and I must say, any claim we have ever made was covered quickly and with ease, so we were going to start with them. Any suggestions? From what I have read, I can get decent insurance for $600/year approximately. But again, this is not my forte! I have not even started this process at all and I'm guessing I should have! No one told, but then again, I never asked. Clearly on my to do list now.

We also just spent the last several hours digging through documents to send to NVR- I knew this was too easy initially! However a little scared on one of the items asked for because it seems too closely related to the NVR freak out last week. Plus the email referenced our April 1st closing date, which we are NO where close to meeting due to starting late and this current polar vortex. I've been waiting to quote the weather channel! Haha!

Any suggestions re: home owners insurance very welcomed!

Weekend update

We drove out yesterday and not much to update. They put drainage rocks around the footers and blankets for warmth. A few were blown off but the concrete looked nice and solid. No new pics and boy they don't do justice at this point anyways! It's odd, it looks so massive but at the same time the perimeter of the house looks so small too! Next up, forms and concrete! But honestly, I'm not going to get my hopes up, there is some cold weather coming this week with highs barely in the mid 20's. So many bloggers found such great scores at cheaper places like IKEA, so we are going to go do a little window shopping and day dreaming! Until the next visit, hopefully worthy of pics!

Let's dig some dirt!

We have broken ground officially as of Tuesday (yesterday). We got the call Monday that the permits were finally approved and the fun will begin! So Hubs and a buddy drove out Tuesday to find a beautifully excavated lot and PM sent us a photo today of..... FOOTERS! Already, man they do work fast!

Had a 2 hour NVR freak out moment today. Got info that our closing cost will be 5 times more than originally planned. Yes, that was a 5! Our LO called back within the hour and "number rearranging" is the best way I can put it. All in all, it was resolved in 2 hours. But I have to admit, I seriously almost had a heart attack. And of course as the emails went out for help, who called back on his day off? The bestest sales rep ever, that's who! The closing cost did go up some, but reasonable and due to the add ons as the process went on. THAT I can live with! I was promised updated documents with closing costs by next week, but I'm not gonna sleep right until I see them.

So, here are some pics of two days worth of work! I really appreciate our PM, we live an hour away so we can't see daily progress. Big kudos to you Rich for texting the pic to Hubby!

This first one is looking from the front right side of the lot to the back left on day 1.....

And this view is from the back left to the front right on day 2..... How gorgeous is that cement? Who knew?!

We will head out this weekend to see any additional progress. There was a truck with forms around the corner as Hubs left....ooooooh, maybe it was for us! The pics makes me so happy and I have a feeling I might lose it when I see it in person this weekend, very exciting!

SO close!!

We had our pre-construction meeting last week and we really like our PM Rich, he was extremely thorough and detailed. Chris insisted we were in good hands and I'm sold now! There were no surprises and he laid it all out for us. The bad news, still waiting on permits from the township, so we will not start til the week of the 13th. But according to the weather forecast this week, this would have happened anyways. So crossing our fingers the weather is a little better here on out. Once the roof is on, it will be more predictable, but til then! He did warn us we may not get the yard seeded, exterior painting and the driveway poured before we close, but from reading all the great blogs out there, I was expecting that. So I will anxiously wait to hear our official break ground date. The yard was suppose to be getting the black fence last week, but since the house is an hour away, we didn't go back to see if it happened. Oh, and we might be getting some more of the brush cleared in the back, all the lots around us are built, so they could potentially need the space to work....which could make our two year project a one year project! Fingers crossed. So technically, just waiting......but in calm fashion :)

Like I could resist some change!

Ok, it was necessary change, not a matter of being irresistible! Hubby initially planned on doing our own gas line for the dryer, we already paid for the upgrade for the gas range and hot water heater. But it kind of dawned on him that he would have to do this the second we moved in, which isn't realistic! And, like the day after we weren't allowed to make changes, I read a blog that insisted on shelves in the owners shower. So we called Chris and begged for both yesterday. He warned us that he would do his best but RH is pretty strict with no changes once the 21 days hits.......drum roll....... We have more gas and shelves! Yay! I have no doubt that Chris went to bat for us!

Our pre-construction meeting is set for the 30th and can't wait to get some official dates and such.

Went out to the model to show the kids this weekend, they were very excited! We were hoping the house would have started by Christmas and were going to show them everything that day. But Hubs thought best they see the dirt WITH the model home, smart man! The little one was having the hardest time understanding that the furniture wasn't coming with the house, it was cute. The unfinished basement is now officially a skating rink and a disco ball has been requested! And there was no blood shed over room selection, shocked to say the least!

But I have to say, as we showed them the different selections, I am doubting myself with ALL of them! I'm sure it will be beautiful, but oy vey, the stress of waiting! Who knew?! A friend was over last night and made a comment on how dark the kitchen will be if we put hardwood in, which is the plan, so slight panic attack over that now!!

Still waiting....

Nothing going on but, that's right, waiting! Have I mentioned I am NOT a patient person? Our pre-construction meeting is scheduled for the 30th and we break ground the week of January 6th. So I spend time reading lots of blogs, such great tips and input. That's all, can't imagine any blogging coming too soon. Just really excited and feeling quite grateful these days. Gratitude makes waiting bearable! Kinda haha!

Not much to say.....

Just a quick update.... We asked Chris not to try and push up our build date. We had to make the decision about our lease, so we extended until mid April. With the timeline we have, it should be perfect- I was told our estimated delivery date is April 1st. As much as I would like to go ASAP- we also have to be responsible and not have two dwellings at once if we can help it! And can I just say that by Thursday I was all kinds of a mess, stressing if we would get the OK this week to move up, it's just not worth the extra stress either!!

We requested to get the pre construction meeting on the books- with the holidays and work, December is looking a tad busy. Chris emailed back on his Turkey Day break and asked for some dates. What a great sales rep!!

Until the pre construction meeting.....