Rany4all:
Not necessarily Sir. Insurance has different levels and packages. Small or medium scale businesses, even with the most basic security measures like security doors and window burglary, can invest in insurance. Farmers also insure their farms without any heavy handed security measures. Even individuals can insure their properties like vehicles and homes without having to go over the top on security.

The payout, in case of eventual huge losses, may vary depending on the periodic insurance premiums paid by the business owner, but such payouts will often go a long way in ensuring the business remains afloat. For instance, one business manager may decide to take up insurance cover worth 5m, and his monthly premiums may be 5k per month, while another may decide to go for cover worth 10m, and his monthly premiums may be 10k per month...not exact figures though, but that's the general idea.

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.

sonnie10:

What you just explained is the real issue. Most cheap insurance company 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 without adequate security.

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.

sonnie10:

What you just explained is the real issue. Most cheap insurance company 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 without adequate security.

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.

Rany4all:
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.

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 .

ngBuild:

100k is a fair offer, setting out is just mapping out the layout, since he is not doing the foundation, anything not above 100k is okay, he won't be hiring much labourers, just him and another person. So 100k is enough, get the required materials, hammer, peggings, levelling tool, builders square, ropes and nails, and you are good to go. Some dey charge 75k self

Thank you

EgunMogaji2:


I haven’t done a setting out in a while. The last one I did was included in the foundation per block cost.

Thank you sir

MrOkenwa:
Engineers, Builders and homeowners.
I need some advice here.
I’m concerned about the wide gap between the floor and doors installed at the front doors and in all the rooms.
It’s so wide that I have a feeling the tilers may not be able to close them all.
What could have Been the reason for this?
Pls how do you deal with that in construction?

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.

Rany4all:
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.

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.

sonnie10:


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 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 .

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.

Rany4all:
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.

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.

kopell:
Madam Engineer, with your explanation ma. My concern is the extra cost of sand, cements and labor. We can't blame any one until we hear the full story from the owner on his decision from foundation stage. My opinion, the gap shouldn't by more then 2" for tiles in other not to waste owners money

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.

UC92:

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.

Thank you sir. I got similar advice earlier.

sonnie10:


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.

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...

Rany4all:
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...

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.

MrOkenwa:

7ft.

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.

sonnie10:


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.

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.

30k to 40k should do.

ollykay619:
Good day house, please how much is a reasonable price to pay builder to help with the setting out of a twin 3 bedroom bungalow in ibadan.

Thanks sirs/ma

@EgunMogaji2
@kolashangone

Also if you are a builder in ibadan or can recommend someone to do the job.

MrOkenwa:


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.

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.

Perhaps that's the design.

Architecture can be crazy.

EgunMogaji2:
As found. Not sure if it’s photoshopped or not.

Congratulations...

You've come a very long way in that regard.

somehow:
Finally got my building approval since last year.

Would have been out since September last year but the tax Lasg leveled on me eh..

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:
Someone can't sleep this period...you close one eye and leave the other one open . A very good morning to you all. Please can I get a cost estimate for German floor of a 346m² (40 by 50ft) 3 bedroom bungalow?

twinskenny:
Ongoing building is growing...

Electrical
Cctv
Door bell
Smart lighting
#lekki

08051355133

Please what is 'Smart lighting'?

Godisgreatest1:


Please what is 'Smart lighting'?

It's automation... smart home. But in this case we are only doing it for lighting on this project

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

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.

MMotimo:
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

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.

kopell:
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.

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.

MMotimo:
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

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.

Godisgreatest1:


Please what is 'Smart lighting'?

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.

For all the fathers here , you shall build and inhabit in peace and good health. Amen.

Happy father’s Day

EgunMogaji2:


Smart Lighting, IMHO, is when lights come on based on based on prearranged scenes.

Lights can come on at programmed time, or when movement is sensed in the room.

OK Sir, Thank you. Like the type you can switch on and off by clapping your hands?.

twinskenny:


It's automation... smart home. But in this case we are only doing it for lighting on this project

OK Sir, Thank you. But must it use internet?