Code for window gates in brownstone

Thank you.

Sheffey

in General Discussion 8 years and 3 months ago

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Sheffey | 8 years and 3 months ago

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I’m in the midst of a refi. The question has come up re:window gates. Do we have to cut and get latches or are they grandfathered in?

BSDOD | 8 years and 3 months ago

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It will not be grandfathered.

Sheffey | 8 years and 3 months ago

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Have you had this experience?

resident2 | 8 years and 3 months ago

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Which window gates are you referring to? The garden floor front original historic ones are general accepted by any Insurance company that routinely insures historic “Brownstones”.

Sheffey | 8 years and 3 months ago

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I’m referring to the garden floor.

Sheffey | 8 years and 3 months ago

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The appraiser made the reference to the original gates. Most brownstones have two egress, like mine. I’m just not understanding why they don’t get it. I don’t want to ruin my gates or have the expense of putting on safety latches. LPC has passed the buck onto the DOB.

glarph | 8 years and 3 months ago

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I have had this experience. My refi would not process without completely removing the exterior window gates on the garden level. My building is in a historic district. It was recommended to me to remove them for the inspection and replace them thereafter.

EJR | 8 years and 3 months ago

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Can you request a reappraisal? I secured both a mortgage and a refi without any issues and have garden level original gates. I am not in a landmark district, but it doesn’t sound like that’s the issue here.

Sheffey | 8 years and 3 months ago

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I most likely will remove them and then replace them. I just needed to know if there was a specific mandate for historical homes and districts. Thanks much for the info.

Sheffey | 8 years and 3 months ago

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The appraiser was the organization that red flagged the gates. I explained that the gates are original to the building and they should be more mindful of rules for historical homes and districts.

glarph | 8 years and 3 months ago

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The gates weren’t a problem when I originally bought, but suddenly became a problem at refi. I fought, argued, safety, land marked district, etc., to no avail. I didn’t want to hold up the process further, start over or lose my rate lock, so I did as requested. I chalk it up to the great joy of having a extraordinary antique house.

EJR | 8 years and 3 months ago

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> @Sheffey
> The appraiser was the organization that red flagged the gates.

That’s my point. If you request a reappraisal with another appraisal company, the issue might go away. That said, if the bank is already aware of the issue, perhaps they will dig their heels in. It might be cheaper than removing and reinstalling the gates. Though if they need restoration work, you have an excuse to do that project.

Sheffey | 8 years and 3 months ago

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Thanks much. I have something to think about. Appreciate it folks!

cate | 8 years and 3 months ago

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Different lenders have different rules, and it depends on how the house is set up on the inside and the egress. When we refinanced, the historic garden floor security bars were not an issue. We did have to remove modern security bars in the rear of the second floor in a bedroom. (Had the downstairs rooms been set up as bedrooms, perhaps they would have flagged the bars there.) If the lender won’t budge, you can hire someone to remove the bars, have the appraiser over to photograph, and reinstall them later.

nalusurf | 8 years and 3 months ago

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When we purchased our brownstone we were required to remove the garden level gates as well. It’s for insurance purposes, they don’t care about original details or land marking. We simply had ours removed until the inspection and subsequent approval and put them back on. I used it as an opportunity to clean them with a grinder and repaint them. An iron worker can remove and replace very easily and not for a lot of money.

Sheffey | 8 years and 3 months ago

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Thank you! We have decided to remove them and then clean them up, and put them back on. I have a great rate and like most of you, I don’t want to prolong this issue. #choosingbattles #fabhouse #grateful.

chris.lopreste | 8 years and 3 months ago

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Simply contact LPC and they will write a letter explaining that your window grilles are an historic feature of the house and can’t be removed without a permit. Your refi company shouldn’t give you any further trouble.

Sheffey | 8 years and 3 months ago

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@historicinsider I tried that. The were not cooperative. Neither was the DOB. ?

Sheffey | 8 years and 3 months ago

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@historicinsider I tried that. The were not cooperative. Neither was the DOB. ?