The first new experience for my house was provided by the Virginia earthquake. I was concerned about this because, as Washington DC is discovering, masonry is the worst possible construction for earthquakes. Unlike wood and steel, masonry doesn't give when the earth shakes, it just cracks. On my site currently there is a concrete foundation, brick walls, brick columns and a stone wall. All are reinforced with plenty of steel, but all that does in an earthquake is hold the mangled masonry together so it doesn't fall on people before it can be repaired or demolished. If I had thought there was any likelihood of a significant earthquake in this area I would have reconsidered using masonry for this house at all.
So I was nervous when, 30 miles south of my house site, the little wood-frame building where I work shook noticeably for 10 seconds. I called my mason. He was driving at the time of the quake and didn't feel it. When he got back to the site he asked his helper about the earthquake; he also hadn't felt anything. My mason spoke with one of my neighbors; he didn't feel anything either. My mason checked all the walls and columns, and I checked everything later in the day; no cracks visible.
I started to think that the tremors somehow bypassed this area entirely yet still affected the town farther south where I work. But just today I spoke with another one of my neighbors; she said she did feel it; she noticed her computer monitor moving and felt her whole house shake. So I guess my house experienced its first earthquake after all, likely the strongest it will ever feel (prior to the Apocalypse), and all the masonry held up just fine.
Then there was the baptism by hurricane, courtesy of Irene. I was less nervous about this. Reinforced masonry is good in wind. My mason joked that even if it was a category 5 the whole neighborhood and all the trees would be leveled and my stone wall would be the only thing left, standing in an open field. Turned out that Irene was only a category 1 when it passed us, and we only got tropical-storm-force winds here (60-65 mph). So I guess this was only "baptism by tropical storm." No worries; hurricanes will come soon enough.
I was still a little worried about falling trees, in part because I want to keep as much of the existing forest as I can, but mostly to avoid costly repairs a falling tree might cause the existing construction. Of course if even one of the larger pines fell across the stone wall, the tree would probably just snap in half. But if a tree fell on the steel or brick columns, or the screening at the tops of the brick walls, it could cause significant damage. I drove to the site the day after Irene and was glad to find no trees down. Tall spindly pines and even dead pines remained standing.
I think in high-wind zones it's wise to keep large groups of trees, as opposed to cutting down all but a few, or even all. Trees standing close together in a group brace each other in wind. Even if a tree does fall it's more likely to fall against another tree than on a building. But if you leave only one or two choice trees from the original forest, they will have nothing to protect them from wind that they've likely never had to resist before. And if you cut all the trees out then your house bears the full brunt of the wind. Better to preserve the whole forest; it will protect both itself and the house.
I was not much concerned about flooding, since last year a rain-storm dropped 24 inches on us in three days, dwarfing the 10-15 inches predicted for Irene (and just about any hurricane, I suppose), and the sandy soil of my site soaked it all up. My neighbor's yard across the street was completely submerged in a new lake, but there was not a drop of standing water on mine. So all I found after Irene were some small puddles on the slabs and minor tree debris:
The individual stones in this wall stand out more after some wind-driven rain. Also, as I'm sure you have already noticed, the brick column on the left was moved 2 inches.
We did take appropriate measures before the storm to batten down the site, including roping the port-o-john to a few trees:
Lastly, my baptism. I have been baptized by immersion in cost estimates from product suppliers. In the past week the products were wood framing members and windows. I got the wood estimate first. I looked over it quickly in the store and didn't see any problems. But when I got home and looked at it more carefully, I noticed a line item for one 30-foot long 4 x 12. Cost: $599. To compare: a 20-foot long 4 x 12 on the list was $85. No 4 x 12 in this house is longer than 13 feet, so I have no idea why a 30-footer was added. The total cost for 4 x 12's, with this error, was $2,738.
Naturally I wondered what other errors may have been made in tallying these 4 x 12's, so I counted them all myself from my drawings. I also asked my framing contractor what the most cost effective lengths of wood are; the answer: 18, 20 and 24 feet. So I fit all my 4 x 12's into those three lengths and sent the list to the supplier for a revised quote. It came down to $2,405. Better, but in the supplier's list I noticed another anomaly: the 24-footers cost $450 apiece, whereas the other lengths were $96. I asked him about this and he explained that the 24-foot length requires a different setup for the mill, and a whole different size of tree. My framer apparently didn't know this. So I asked the supplier what lengths are most cost effective; 12 and 16 feet, he said.
I revised my list again to get all the 4 x 12's into those two lengths. The revised quote came in at $1,520. Same material, same grade of wood, same size, just different lengths ordered, and over $1,200 was shaved off the cost. This wood is now ordered; it'll be on site in three weeks.
Revising the cost estimate for my windows was not as complicated, but even more money was saved. The original estimate for all my windows and doors, including installation, was $37,440. I called to ask for a few cost-saving revisions - delete the "low-e" coating from the glass (not really helpful when the glass is mostly shaded), and delete the closers from the doors (not sure why these were added for a HOUSE anyway). The window supplier told me these changes would reduce the overall cost. Later he sent me the new quote: $40,110. It went up by nearly $3,000. Of course I called with some pointed questions. He didn't seem sure why the quote would have gone up, and he didn't really recall what the previous quote was. I wouldn't have remembered it either since it was from about a month ago; but I made sure I dug it back out to compare. I gladly reminded him what it was, and he said he would look into it. Later I received the revised quote: $35,223.
That's nearly $5,000 less than what I would have paid if I didn't dig out that previous quote. Total savings from micro-managing material estimates? $6,105. I feel I've risen from these waters victorious.