Cyndi, how did you insure a house w/o a C of O? What kind of insurance is it? Is the builder insured? (Construction insurance) Did you hire this builder to build you a house on your land, or is this a new subdivision or offering from a builder on speculation?
Builder is building on our land and the policy that we are carring during construction is a Builders Risk Policy. It covers the house the same as if we lived there with the exception it will cover all the supplies that are stored in the house, wood, cabinets, faucets, copper piping, etc. We have American Family Insurance and our agent is great. He made sure that if any thing happens, we are covered at the building site as well as covered at our current home. This entire building process has been a lot more time involved on our part then either of us imagined. Again, we have a reputable builder, but I had the feeling that this issue of water in the basement wasn't as much of a every day thing as our foreman made it out to be.
Since the gas is going in on Monday, takes up to two days to have it inspected by Dominion, then another day for the guys to finish hooking it up, I figure we are at another week of heating the house with heater.
That's the exact reason we purchased a kerosene heater (forced air model) because the drywallers had that running to keep the house warm. We also approved that with our builder before putting the unit in.
I think you're doing the best that you can do, and everything I personally would do. Good work.