wilkes

Wrong.
that's only of your a general contractor.
If your the homeowner your homeowners insurance covers you. Self employed. Sub contractors with 3 or less employees are not required to carry workers comp.

Let a roofer fall and break his back and tell him " Don't worry about it ' then. I am a commercial contractor and always carry it and would not think of starting a project without Workers Comp.

NC doesn't require workman's comp. Most contractors without employees will not have it. Dont worry about it. General liability is required though.

If you get a Contractor

He gets the headaches

Old Dixie Dog is giving you good advice. I have been a licensed GC for 30 years. If you do proceed require each sub to furnish Workmans Comp and General Liability certificates. Then call the insurance company to verify. A lot of these forms can be done on a computer now. Good luck. Hope you don't end up divorced or in the nervous hospital.

2rightawrong, Now that you have read what others have experienced in reguard to building projects, I suppose you are left wondering about the process. It can be very rewarding, but also about as stressful as hades!! There are several methods of contracting which you might want to consider rather than a turn key contract. Cost Plus a fixed fee, Cost plus a percentage, A construction manager,where you pay his salary and all the bills. You have lots of options!!! Do your research, Deal only with professional peopleand good luck!!!

I built a building with a contractor getting it under roof and everything went well with the inspectors. When I took over to finish the project, they made me jump thru more hoops than a circus dog. It was the most stressful thing I have ever done. The electrical was a nightmare.

Wow...you have all given me things to consider. As someone suggested about the modular or double wide option, I looked into them and the off frame modulars are almost as much as a stick built home. I will keep researching. I appreciate all the input from the costs, inspectors, regulations, etc. Thanks.

From the financial end of things I had much rather a contractor be responsible for pricing, paying the subs and materials, etc. You could end up in an ugly situation quickly if things don't go as they should.

unless you are a licensed GC...you can forget about financing

I built my home several years ago and acted as my own general contractor. In theory you should save 10 to 15% but I'm not sure I did. General Contractors typically get better pricing from the material suppliers.

Be prepared to spend a lot of time coordinating the trades and dealing with the local building inspectors. Educate yourself on North Carolina Building codes as you will have several disagreements with the inspectors (they are not always correct). Make sure all the trade people are local to Wilkes County or the local building inspectors will be a nightmare.

I would only do it if you have the time and you enjoy the challenge. Otherwise it's not worth the small amount of savings.

Most of the time it costs more doing it that way because you don't know what you are doing.

2rightawrong, Unless you have a decent background in construction, you are probably heading for disaster!!I would like tell you that it is easy to do, but the process is more complicated than it seems.Unless you know construction law, you can be held liable for a number of things.Not saying that you wouldn't save some money, but unless you know what you are doing, the savings might not be worth the effort.

If you hire the subs and they don't show up, turn them into the BBB with a bad report.

when the drywall guy can't do his job because the electrician hasn't shown up for 3 days and the plumber is MIA ... you will wish you had a contractor

Buy a double wide or a modular.

Dont call Sedge wick! They build the worst home out there. The warranty is worthless too. Good luck.

I used to work for a construction company and the general contractors had a hard enough time getting subs to do what they were supposed to do, when they were supposed to do it. I would think it would be even harder for a lay person since a strong motivating factor for the subs is repeat business from a GC where you are only offering them a one time position.

Instead of the normal turn key construction contract, I am considering obtaining the permits and sub-contracting out all of the different aspects of the process of building my own home. I know the process will take longer and I will have to get estimates and references for every crew along the way. I would get someone to grade the land, pour the foundation, frame it up, put on the shingles, do the plumbing and electrical, painting etc. How much of a headache would it be to sub it all out? How much of a cost savings would it be? I am researching the internet now, but thought some of you may have done it both ways. Builders will name their price and do the turnkey deal in a timely manner, but from what I understand, you are paying for this convenience. Your experiences are appreciated. Thanks!