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    :: Monday, November 24, 2003 ::

    Insurance premiums hammer construction By SCOTT WYLAND
    Aside from charging more, insurers often impose restrictions on the type of work contractors can do.

    Carriers are especially spooked about multifamily housing, because a lawyer can rally tenants into filing a suit, Erwin said.

    To remodel apartments, he must pay an additional $10,000 a year for the coverage.

    Alan Mullins, owner of Capitol Gutter Service, said his insurance policy puts multifamily housing off limits.

    He can't install gutters on apartments, Mullins said. Nor can he work in subdivisions where two or more houses are built on speculation, because insurers consider those projects as multi-family, Mullins said.
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