Thank you very much for your very useful advice but I still ha

Thank you very much for your very useful advice,could you please expalin "You do not need to worry about preminum because you will not buy that insurance anyway."

My insutrance is HOB from a big company which is including a fundation coverage.Do you mean we can get this term on foundation of from my home insurance so the insurance company will not increase my premium in the future after we claim it? There is a friend above you told me the premium of house will not get rising even you claim it which is not like the premium for a car. But another one of my friends told me deffinetly they will raise my premium on this house except you sell it. Which opion is correct?

Another question is we gorget to ask the owner give us the warranty paper for the house. is there any paper on the warranty of the house or we do not need it at all when we claim it onto the builder.?

The builder is not nice to us when called them today. They told us maybe they need take two weeks or even two months to handle our inquirment. Do you have any idea or experience to deal with these builder?

Thank you very much for your help and wish you have a happy new year!