Building a Home on a Mountain

If you are thinking about building a home on a mountain there are a few things that you should note. It is important to always use an architect or builder with experience building a strong foundation on this type of landscape. And, you will want to be sure that a proper drainage plan is implemented to properly protect your home as well. And, as equally important, you should always make sure that your homeowners policy gives you adequate coverage for your new mountain home. By doing these things, you should be able to enjoy the joys of home ownership for many years to come.

Mountains are one of the most beautiful pieces of nature. So, it is no surprise that you would want to build your home among these rocky majestic wonders. These mountain homes can be the ideal retreat from a fast-paced city life and are also an excellent way to interact with nature. They can be built with all the conveniences of an urban residence but the splendor of a rural environment. The design of your new home will be enhanced by beautiful views, wonderful landscaping and most of all, peaceful surroundings.

Risks of Building a Mountain Home

It is important to recognize that there are added risks you are assuming when you choose to build your home on a mountain. Your home could be a sitting target for a landslide or mudslide. This could happen when a major storm moves through the area and the water drains down the mountain causing erosion and ultimately pieces of the earth to become dislodged as well. This change in the earth around your home could cause damage to the exterior, plumbing, and even the foundation of your home. But, thankfully there are things that you can do to prepare for things like a landslide by planning for a rock slide area structure when you build your house on a mountain.

Whether you are on the peak or a slope of the mountain, your architect and builder should have much experience building on this terrain. Before you build, have a land assessment done on your property to check for potential risks of earth movements. Also, check for drainage patterns as well to identify areas of increased risk. And, talk to your contractor about building a strong retaining wall to direct the flow of rainwater away from your home and reduce the possibility of earth erosion in your immediate area. This could also protect your home in the event of a moderate mudslide.

Insurance for your Mountain Home

When you build a new home it is important that you protect your new investment. You do this, of course, by making sure you have sufficient insurance coverage on your home. Many times, people assume homeowners insurance is all inclusive and any policy will do. But, this is not at all the case. You may need to purchase additional policies, especially if you live in a mountain area.

Earthquake coverage is essential for mountainous terrains. Although your area may not be prone to earthquakes, you are probably prone to landslides. Because an earthquake policy covers damage done to your home by any movement of the earth, an earthquake policy will protect you against landslide damage as well.

So, when you are building a home on a mountain you can enjoy all of the benefits of living in a beautiful serene area without the worry of losing it all. First you should identify potential risks in the area you plan to build. Then if carry earthquake insurance coverage and work with an experience contractor you can enjoy your new mountain home.

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