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Discuss Anything Property And Lets Make Money In The Process / Residential Building Construction Mistakes In Nigeria You Need To Avoid / General Topic Thread - The Roforofo Thread Of Construction Activities (2) (3) (4)
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Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by sonnie10: 7:09pm On Jun 18, 2022 |
Rany4all:What you just explained is the real issue. Most cheap insurance companies that don’t consider the extent of risk are only in the business to receive premiums but not pay out claims. Any insurance company that is sincere about coverage would evaluate the risk and require a risk mitigation plan in place . In this instance a reputable insurance company wouldn’t insure a business premises that is without adequate security. 2 Likes |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Rany4all(m): 7:51pm On Jun 18, 2022 |
sonnie10:I may not be aware of the requirements, but I'm aware of at least 2 businesses that have received claims payout from their insurers after cases of theft, and both businesses were medium scale and had no more than a single security man and other basic security measures. I also know about a colleague who took up life cover/savings package from Mutual Benefit Assurance for a particular duration (10years if can remember correctly), and at the end of the duration he got his full payout of, I think, 15m. If he had lost his life within the duration of the cover, his beneficiary would have gotten the 15m. |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Rany4all(m): 8:00pm On Jun 18, 2022 |
sonnie10:And insurance cover is not just against theft alone. It can also cover for losses from fire outbreaks, natural disasters, etc, and having good security may not protect a business from those. |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by sonnie10: 8:11pm On Jun 18, 2022 |
Rany4all: Life insurance is different, My comment was not about the size of business but the reputation of the insurance company. What I said was that no serious insurance company would cover a property that does not have adequate security in place. In other words, insurance companies would hardly cover anything that they cannot pass the risk to another company. In this instance, the security company's own insurance company would bear the actual loss if anything happens. Somebody must be held responsible in any adverse event . 1 Like 1 Share |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by ollykay619(m): 8:14pm On Jun 18, 2022 |
ngBuild:Thank you |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by ollykay619(m): 8:14pm On Jun 18, 2022 |
EgunMogaji2:Thank you sir 1 Like |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by UC92: 8:14pm On Jun 18, 2022 |
MrOkenwa:It is possible that the height of that door isn't upto 2.1m, then the mason in order to save his energy and time just did a lot of padding at the door sill. I will advise you pull out the door, get a good Mason to reinstall it. This time give good tolerance for the cement bed and tiles probably 50-75mm then fill up the space in between the door frame and the lintel. Case closed. 5 Likes |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by sonnie10: 8:26pm On Jun 18, 2022 |
Rany4all: When you select a coverage, the policy is specific on the extent of coverage. If any of those you listed are not spelt out in the policy, then the insurance does not cover them. Just like the theft coverage we were talking about, if fire damage is to be covered, they would also assess and mandate what you can and must do, and what you cannot do within the business premises in order not to void the policy. Those might include limitations to use and storage of petroleum product in the premises. working fire alarm and smoke detectors, maximum building occupancy etc. A reputable insurance company wouldn't pay any claims when any of these are missing before the fire outbreak. 1 Like 1 Share |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Rany4all(m): 8:26pm On Jun 18, 2022 |
sonnie10:Well, I guess the issue here is what your definition of "adequate security" really means. Like I said, the 2 businesses (one a private clinic and the other a pharmacy) had just a security man and other basic security setups like security doors, window burglary, CCTV...no security company involved...but they were insured, and received payouts. 1 Like 1 Share |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by sonnie10: 8:35pm On Jun 18, 2022 |
Rany4all: You still don't get it. I did not say a security man alone is enough to protect a property. What I said was that any insurance companies that would honestly pay for claims just need someone representing a security firm to be within the premises as a risk bearer. Whatever they pay, they forward the receipt to that security company. That is the purpose, and not to fight thieves. 2 Likes 1 Share |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by MrOkenwa(m): 8:41pm On Jun 18, 2022 |
kopell: Sir, I didn't do anything special to cut corners from foundation. I even spent more than what was quoted in some areas on the boq. The construction was handled (with the exception of rough electrical piping, door installation and windows installation) by a young graduate of civil engineering. Fund has never been the problem since we started, so I didn't request for any pash pash anywhere. I've narrowed the possible solution down to: To remove the doors and bring them down to close the gap underneath when re-insalling them( Someone that read my post here suggested this to me offline). To pad/balance the floor with concrete before tiling. To put a course of blocks or concrete slab, to seal the opening beneath the doors. Thank you everyone for your contribution. God bless you all. 4 Likes |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by MrOkenwa(m): 8:46pm On Jun 18, 2022 |
UC92:Thank you sir. I got similar advice earlier. |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Rany4all(m): 8:52pm On Jun 18, 2022 |
sonnie10:I get what you are saying Sir, but you are yet to catch my drift. In those 2 businesses I mentioned, there was a security man involved in each case, but they weren't representing any security company, hence no security company to forward any receipts to, but payouts were made all the same... 1 Like |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by sonnie10: 9:03pm On Jun 18, 2022 |
Rany4all: You may not know. That security guard could be an agent of a security service vendor for the insurance company. That is how it works. Talking about life insurance, in 1972 we had a life insurance policy from British- American Insurance company in Nigeria. After 20 years, that is in 1992, we received a payout. That money was enough to send 4 kids abroad for university. |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by oduncojamaica(m): 9:21pm On Jun 18, 2022 |
MrOkenwa: Sir, the door is not up to that. Ask your fabricator @Michilin or measure it with measuring tape. Next time , make sure you measure each door partition before telling fabricator to design it for you or asking him to come down for the measurement. 1 Like |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Rany4all(m): 9:24pm On Jun 18, 2022 |
sonnie10:I think I know enough Sir, at least for the Private Clinic that is. I also work in the health sector, and in fact the owner of the private clinic is a very good friend of mine. I used to do some part time jobs in the clinic around the time of the incident and I know for a fact that the security man at the time wasn't affiliated to any security service vendor. He was just a relative of the owner who was given the job just so the owner could stop giving him money for free... Anyway sha, it's all good...whatever the requirements are, I guess it's up to business owners to decide whether or not taking up insurance from Nigerian companies is worth the trouble. 3 Likes 1 Share |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by QSFemi(m): 9:44pm On Jun 18, 2022 |
30k to 40k should do. ollykay619: 1 Like |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by kopell: 9:58pm On Jun 18, 2022 |
MrOkenwa:Nice to hear your part of story sir. The good news is, no compromised from your side, the decision to reinstall will save you money. Its shouldn't happened if the supervising Engineer pay attention to what he get paid to do. These are some of price owner pay that is not fair. |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by QSFemi(m): 10:06pm On Jun 18, 2022 |
Perhaps that's the design. Architecture can be crazy. EgunMogaji2: |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by QSFemi(m): 10:11pm On Jun 18, 2022 |
Congratulations... You've come a very long way in that regard. somehow: |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by QSFemi(m): 10:23pm On Jun 18, 2022 |
40ft (12metres) x 50ft (15metres) is equivalent to an area of 180 square metres. The quantity of material and cost of labour will depend on the thickness of the oversite concrete (ground floor slab). redgem: |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Godisgreatest1: 11:22pm On Jun 18, 2022 |
twinskenny: Please what is 'Smart lighting'? 1 Like |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by twinskenny(m): 11:28pm On Jun 18, 2022 |
Godisgreatest1: It's automation... smart home. But in this case we are only doing it for lighting on this project 3 Likes
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Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by MMotimo: 1:40am On Jun 19, 2022 |
Una weh done o! Naija people, the race is on for 2023, don’t dull o! Do your best and vote, that’s the least you can do. Whether you think your vote matters or not, get your PVC and vote whom you think will serve in your best interest. It’s better to vote and have a say than leave recipients of paltry bribes to decide your future. Whether you trust the electoral process or not, be like Nike “just do it.” US people wey dey build, the Lord is your strength. Gas prices be like choose: “fuel ya moto or send moni to buy cement” P.S. This is not a campaign for any candidate 4 Likes |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by sonnie10: 2:19am On Jun 19, 2022 |
Thank God I do not have to deal directly with increased gas price. Job provides vehicle and gas card to drive to and fro work and do their stuff in between. My personal vehicle, full tank could sit there for 2 months. This leaves us only with one choice, continue to “buy cement “. Na joke sha. We don pass the stage of buying cement. But generally, economy is not smiling in other aspects like prices of groceries. Everything is x 2 now but God dey. My sincere sympathy for stock investors right now. Nigeria real estate investors should be smiling now. 1 Like 1 Share
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Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by kopell: 3:22am On Jun 19, 2022 |
MMotimo:True talk ooo, when people complain in Naija about their leaders I laugh. Many forget power to change is with them, but never participate in the process. For those social media voters here is another opportunity to make change If you believe your vote doesn't count. Please do yourself a fervor this time and vote. If you don't, politicians love people like you. That is what they want. In situation like that, you have no voice in what the do, is as simple as that. |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by AngelicBeing: 5:33am On Jun 19, 2022 |
kopell:Do we honestly have elections in Nigeria, l rather think we have SELECTIONS instead of Elections, hunger / poverty = Some / Masses Collect 5000 Naira from greedy politicians to eat Semolina and ogbono soup ( mortgage their PVC) == Votes are rigged in favor of the highest bidder == Zombies and dead skeletons are SELECTED into different layers of government to make useless kulikuli laws to govern for 4/ 8 years = More sufferings for the masses = Nigeria becoming yearly cesspit of poverty, hardship, suffering, kidnapping, ritualism, terrorism, senseless killings and the cycle continues. 1 Like |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by EgunMogaji2: 5:54am On Jun 19, 2022 |
MMotimo: The dynamics of the current Nigerian financial situation has me scratching my head. I can weather it out but I feel for the average Nigerian citizen on a fixed income. I used to hear the noise of all kinds of generators in my neighbourhood but I think only me and one other neighbor runs generator anymore. But I will give it to Nigerians for unflinching tenacity. People are still building. |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by EgunMogaji2: 5:58am On Jun 19, 2022 |
Godisgreatest1: Smart Lighting, IMHO, is when lights come on based on prearranged automated scenes. Lights can come on at programmed time, or when movement is sensed in the room. 2 Likes |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by sonnie10: 6:29am On Jun 19, 2022 |
For all the fathers here , you shall build and inhabit in peace and good health. Amen. Happy father’s Day 10 Likes |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Godisgreatest1: 7:13am On Jun 19, 2022 |
EgunMogaji2: OK Sir, Thank you. Like the type you can switch on and off by clapping your hands?. 1 Like |
Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Godisgreatest1: 7:15am On Jun 19, 2022 |
twinskenny: OK Sir, Thank you. But must it use internet? |
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