"Basement" is considered a basement if is a certain level above ground. You should start from here if you want to proceed. Call 311 and they will give you phone number to City engineers that can give you more info about that and answer your Q. U can leave the msg, they will call you back. I checked this before and decided not to proceed.

Posted by: zm at August 7, 2009 12:25 PM in response to Convert 2 Family House to 3 or 4

I work for State Farm, please call me if you would like to get a quote. Sophie 718 609 5600.

Posted by: zm at August 3, 2009 9:31 AM in response to Cost of BK Car Insurance?

If you need any coverages to be explained to you, please call me at 718 609 5600, Sophie- State Farm

Posted by: zm at August 3, 2009 9:25 AM in response to Condo Insurance

He will be consider an employee. You may want to obtain Workers Comp and Disability ins asap. you may obtain a quote from www.NYSIF.com. let me know if you need any help on this website. Let me know if you have any Q regarding other policies as I might offer you a quote with State Farm. zofia@johngarfinkel.com

Posted by: zm at July 28, 2009 11:12 AM in response to Is a tenant/porter an employee?

if you are starting to build completly new construction, then you need a builders risk policy, which will provide coverage against loss to a building in the course of contruction. Depending on the lenth and type of renovation, you might be able to make change to your Homeowners policy. Contractors policy will ocver their libility only, will not cover building structure.

Posted by: zm at July 28, 2009 11:05 AM in response to Builder's Risk

Would you like to get exact cost of insurance, please contact me so I can run a quote for you. I need some additional info, however it will be definitely less then $2K. Depends on coverages chosen. Should be aorund $1,5K.
Sophie @State Farm
718 609 5600 Office
zofia@johngarfinkel.com

Posted by: zm at July 13, 2009 1:14 PM in response to 2 Family Home: Utilities Cost

Are you looking for Condo Insurance?
Please contact me anytime:
Sophie Moore
718 609 5600 , zofia@johngarfinkel.com
State Farm Insurance

Posted by: zm at July 9, 2009 9:41 AM in response to Condo Insurance

I work for State Farm. Please call me at 718 609 5600 so I can check the premium fior you. Sophie

Posted by: zm at July 9, 2009 9:37 AM in response to Homeowners Insurance

Chubb is definitely worth it. I initially had Allstate and I cannot say enough about why one should stay away from Allstate...I had one incident years into the policy and they really worm their way out of coverage.

I dropped them and went to Chubb and got a City Homes policy. THeir coverage is extensive - I lost my keys and they paid the several hundred dollars for all the lock replacement no deductibles, just a lot of belts and whistles on their policy.

Posted by: argentina at July 9, 2009 6:51 PM in response to Homeowners Insurance

I've always heard that Chubb is great but many feel the premiums are unaffordable. All depends on how much risk you can tolerate.

Posted by: grand army at July 9, 2009 8:30 PM in response to Homeowners Insurance

My condo in Park Slope is under All State.

Posted by: crimsonson at July 9, 2009 9:46 PM in response to Condo Insurance

We used State Farm through Alan Wheeler Agency--it was pretty cheap for basic coverage, decent service.

Posted by: woodys at July 10, 2009 2:53 PM in response to Condo Insurance

We used State Farm through Alan Wheeler Agency--it was pretty cheap for basic coverage, decent service.

Posted by: woodys at July 10, 2009 2:53 PM in response to Condo Insurance

Hey CMU and Johnny,
Just to clarify:
1280/month for retax, insurance, emergency contingency, amortized costs + electric, gas, heat, water on top of that?
Many thanks!

Posted by: bklyn11238 at July 13, 2009 2:23 PM in response to 2 Family Home: Utilities Cost

No, my 1280 included COMMON electricity (estimated 50/month) and everything else in your list.

Individual electrical is additional.

Posted by: cmu at July 13, 2009 4:05 PM in response to 2 Family Home: Utilities Cost

Your heating bill could be much higher or lower than the costs quoted above. All depends on how well-insulated your house is (windows and exterior doors and the most important factors here) and the efficiency (ie. age) of your boiler/furnace.

Posted by: grand army at July 13, 2009 6:21 PM in response to 2 Family Home: Utilities Cost

We just went through the same thing and had to get a Builder's Risk policy. You want to have it. You'll end up getting reimbursed the balance of the yearly policy fee after your project is complete assuming that it takes less than 1 year.

Posted by: Susan Elkins at July 28, 2009 11:15 AM in response to Builder's Risk

Just went through this. We did a gut on one floor but had to vacate for a number of months due to related work on the mechanicals in the rest of the building. Our homeowner's carrier amended our policy at a substantial additional premium and increased the deductible from $1000. to $5000. for the duration of the work. Our carrier also specified minimum amounts of liability for each subcontractor to carry. We did receive back the unused portion of the additional premium when the work was substantially completed.

Posted by: zeebee_in_bklyn at July 28, 2009 11:34 AM in response to Builder's Risk