Need some opinions...
My DH and I are building a house in a near by city and we should be moving in this month. We have been unable to sell our house in the country that we live in now. Due to our financial situation we can manage to have both for a set period and then hope to sell. In the mean time DH has told his two daughters who run a catering business that they can use our house for events(I found this out from someone else).I think this is a bad idea as we will have lots of our things left here and I do not like the idea of strangers coming into my home and I will be the one responsible for the clean up. Needless to say I have not been included in this decision and I am very upset and feel I am being bullied into this because they are family and DH says he wants to do it. We, no doubt, would not be seeing any compensation for the use of our home. I am worried sick about what could happen and feel like I'm being disrespected and disregarded when it's MY home too.
^^^^^^^^^^^^This, so much
^^^^^^^^^^^^This, so much this!!!!!^^^^^^^^^^^^
Your homeowners insurance, first off, will not cover that house at all once you move out of it!!! If the house is not being lived in, a regular homeowner policy doesn't cover a damn thing. You need a special policy for vacant property. AND no homeowners policy would ever cover people there for a paid event! Your DH needs to take back his offer.
I concur on getting your
I concur on getting your insurance adjusted. A HO policy definately does not cover a commercial enterprise in a private home. You will need to adjust your coverages significantly and the cost will be notably higher.
DH needs some clarity on this big time.
If an event guest/customer is injured on your property they will own your ass down to the pubic hairs if you do not get the proper coverages.
Your DH is consenting to turn
Your DH is consenting to turn his home into a "commercial use." I just got a letter from the state asking me to verify my own home has not been turned into a commercial purpose so not only is getting himself into serious insurance problems as notasm said, but he may be inviting the govt to tax the house at a different rate There may even be zoning violations with this plan.
Usually a business that invites people in like that has to be bonded and insured. The guests could trash the house, ruin the plumbing, cigarette caused fires etc and you wouldn't get your insurance policy to pay, as notasm said. But the reverse is true. Maybe a guest trips over that one step, gets a booboo, and you lose everything you have because there is no one to pony up but your own pockets.
agree with all of this. who
agree with all of this. who in their right mind would let total strangers in the house? especially if i was designated as the clean up woman.
This is so typical of 'DH's
This is so typical of 'DH's they naturally feel that what is theirs (and ours too) their children can have totally use to.
My partner bought me a car for my birthday, 2 years later I found out that he had also put his adult children on the policy so they could drive the car. When i got upset he told me that he had bought it. So he believes that because it was 'his' money his children were entitled to drive it. Of course this does not go well with me. It is my car and if the Skids and I got on well, I really would not mind, we live in the centre of the city, I tend to walk everywhere and we use the car roughly every 6 weeks at weekends.
What amazed me is that he actually did not see anything wrong with this. Needless to say once I knew they were on the policy it has not been a easy ride for them to ride the car. What surprises me, is that the Skids know that the car is mine, however they still use it regardless. If I never liked my Stepma you can be sure I will never use her car.
I think that by partner is fed up of hiring cars for his children aged 26 + 29 both in professional jobs. I heard him talking about buying them a little run around. I think he should. I am busy using my car.
This is categorically such a
This is categorically such a bad idea that I cannot fathom any man or women thinking that it is a good idea much less comming up with the idea.
Wow!!!
I agree. To convert a home
I agree. To convert a home into a restaurant, there are all sorts of things to investigate such as zoning, safety regulations, permit restrictions which could possibly mean purchasing equipment, additional insurance, location, initial funds for investment, etc. And in most cases, the business does not succeed. I'll bet what really bothered you more than anything else was that DH and skids came up with this wild idea - leaving you out of the loop. Give him fair waring that you must be consulted on affairs that affect both of you first.
When we first got married, I owned the house and my DH used to do this. Sometimes the results were terrible and expensive. Finally I had to just get mean and tell him that if there were any decisions concerning my property he was not to speak on my behalf without consulting with me first. Yes, your DH may be miffed but you have to put your foot down.
Oboy - Right on about the
Oboy - Right on about the insurance. All it takes is for someone to claim to be hurt on your property and you could lose it just like that.
And there are cretins out there that look for just such opportunities.
Same thing if you rent your home out. Your insurance will go UP. In fact, a lot of insurance companies will not write policies on homes that are not occupied by the owner! And if you get insurance it will cost quite a bit for just basic coverage.
Also, the state and county will want to inspect the place to make sure it, if being used as a commercial property, is handicapped accessible (and there are those that look for that in order to bring lawsuits as well), nonporous countertops, fire exits and the list goes on.
Explain all this to your husband and have him tell the girls it is a no-go.
Whenever a spouse makes a
Whenever a spouse makes a decision like that in a marriage,and does not come in to agreement with his partner first....there is going to be trouble...When you disagree out of the gate, everything that happens thereafter can be a source for conflict. You and our husband need to come to terms with each other first. one respecting the other until you have found a place where you both agree...then, move forward.
While his decision may appear to be thoughtful of his kids...He disregarded you altogether. If it was your house also, then you both should decide what is the next step...together. When you have the principal of agreement as a standard...it makes handling whatever comes next a lot easier,,,,
He needs to take the time to get on the same page with his wife...before things go incredibly south....
Live, learn, and live some more....