If there is a fire and someone dies because you have an illegal bedroom in use, insurance will indeed be the least of your concerns. |
Asbestos: is the potential exposure in the basement different than the one in the rest of the house? Mold: Basement is being tested for mold (and radon too btw); Carbon Monoxide - there is a detector Off-gassing carpeting: how is it different in the basement vs main floor? Also, how long does the off gassing last? The rest - people deal with problems as they arise. I am sure anyone would want to fix a termite problem or flooding as soon as found out. |
You are not required to make major structural changes to your house just because the code has changed over the course of 50 years. If it was code compliant at the time, its fine now. |
This whole discussion is insane. There is nothing illegal about the bedroom. It does not meet current building standards for new buildings. It may not be ideal under the current standards, but until OP starts renovating the basement, she is totally within the law. She should not have any insurance issues. (I renovated a basement in my last house. The house was building in the 90s, before the building code changed. We passed pre-sale inspection just fine with the lack of egress window. However, the minute we put up drywall in the small unfinished area, we were required to comply with the new code and install an egress window).
Honestly, what are the odds of there being a fire in the house? I am not really concerned about the MIL's safety. I think it is all going to be fine. |
Of course. It jsut can't be called a bedroom for legal purposes. Now if there's a fire, well that's on you.
Signed, Someone with a relative who died in a fire. |
It doesn't really matter what the odds are of having a fire. If a fire happens and someone is sleeping in a basement without egress, it will be very, very difficult to escape. To me, safety is the most important thing. I would never be able to forgive myself if I had placed someone else in a dangerous situation. |