Help for homeowners/women - after fire caused by technical defect

Dear members and dear moderators,

I am a young woman who has experienced many hardships this year. Among other things, on November 22nd, my house burned down due to a technical defect (statement from the experts and criminal police) in the cooker hood (the exhaust air was routed through the roof structure). Thus, I am currently somewhat homeless and insecure and not yet structured enough, and I would appreciate assistance through truthful and factual statements.

In 2011, I bought a prefabricated house for €200,000 where I lived until the mentioned date. The house was built in 2000 (the construction company no longer exists) and was supposedly "renovated" again in 2007 by the already second buyer.

Subsequently, I carried out further construction measures myself as much poor workmanship had been done.

The building insurance now says to rebuild at new value on the condition that I reconstruct the building the same or similarly. A demolition down to the foundation slab should be carried out and then reconstruction started.

I have already been to Fingerhaus to have an offer made. (Unfortunately, it is not yet available.) The seller said that for 150 sqm we are currently at about €300,000 - €350,000 turnkey including tiles and painting work. I assume and it seems that the insurance is also very interested in having a reconstruction carried out as soon as possible. All construction documents that were made available to me by the first owner were also forwarded to the seller, who seems honest to me.

However, due to the current situation, moving back in would only be possible around the same time next year. Is this really realistic? Are there perhaps other recommendations from you where I could get a new home faster? Are there houses that can be built faster than a prefabricated house? What requirements must be met? I once read somewhere that houses are already delivered "finished"! Of course, I would commission an independent expert, as I am alone and also professionally active in sales and do not really have knowledge of new construction. I do not yet really have the detailed cost breakdown. However, I have an approximate value to go by.

Here are the key data:

House purchase 2011: €200,000
Building ground: sandy to loamy soil with sandstone
Groundwater conditions: 5 m

Foundation slab remains – reconstruction on existing foundation slab

Foundations: concrete strip foundations
External walls: timber frame construction with insulation according to DIN OSB+GK boards
External plaster: smooth, light paint
Partition walls: timber frame construction with insulation according to DIN OSB+GK boards
Ceilings: reinforced concrete wooden ceilings with insulation according to DIN
Floors: concrete, floating screed, tiles, laminate
Roof structure: half-hipped roof 45° – as purlin roof with insulation; knee wall height 1 m (execution must not be done as purlin roof)
Roof covering: Frankfurt tiles
Stairs: wood
Staircases: timber frame construction with insulation according to DIN OSB+GK boards
Windows: wooden windows with insulating glazing, external blinds
Doors: wood
Heating: electric night storage heater (today I would prefer a geothermal heat pump from Viessmann) as gas
Gross building area: 155.34 sqm
Sealed plot area: 2.66 sqm entrance steps
Floor area: 110.34 sqm
Enclosed space: 705.40 sqm residential house, garage, carport
Floor area ratio: 0.14

Many greetings and many thanks in advance,

Susan2106

Oh dear, I'm sorry. I don't believe it goes much faster. Building application, building permit, insurance clarification, house parts are ordered, house erected, interior construction. The houses are not ready in stock and the house building companies have full order books. Try smaller carpentry companies in the area, maybe they are a bit faster.

even smaller companies need 4 months for the actual construction work with prefabricated house companies it is comparable to ordering a new car, selecting the house/car and eventually your model comes down the assembly line and is delivered to you depending on how many customers are ahead of you, you can estimate how long it takes complete prefabricated houses made of precast reinforced concrete parts including plumbing are also available, but the construction is not carried out on your foundation but in the factory, so it takes a comparable amount of time

you should rather make sure that really 100% reconstruction is paid. Living elsewhere, even if it's tough, is then the lesser evil...

The main thing is that the big finances are settled

Man, thanks for the quick answers and comments. Everything is settled insurance-wise and I have great support in this regard. That's really great. I am aware that I cannot move in immediately :-( Nevertheless, Fingerhaus just told me that due to this emergency situation they would like to bring forward my house construction. Sounds good at first - however, I would be interested to know if there are any experiences and recommendations for these complete prefabricated houses made of precast reinforced concrete parts including sanitary facilities? What should be considered, etc.?

Many kind regards

I have only seen one documentary about it on Welt der Wunder? back then it was a Polish company if I'm not mistaken but that was a few years ago.