SFH CONVERTED TO DUPLEX !!!!

[Account Closed]

 Hello all,  there are alot of sfh that are converted to duplexes in my area. My question is if for some unforsaken reason albeit fire or natural disaster and the house is "DONE" would the rebuild be a new sfh that I would have to convert back ?   Zoning issues ????? 

[Rob Beland]

You need to check your local zoning ordinance to determine whether or not you can legally convert the property into a duplex. Also, you need to be sure your lender is on board. The conversion could be in violation of your mortgage. Lastly, you need to make sure your insurance company adjusts the policy so you are insuring the property as a duplex. Assuming you have the proper permits and your lender is on board, in the event of a fire, your insurance company will cover the loss as a duplex. What you rebuild is up to you assume you pay off your mortgage.