John makes a lot of good points. 25 yrs ago we might not think of insulating a summer cottage. Now, you have to. Things we might have done when we “built our own” no longer meet the code. This really adds to the cost. The other thing that people miss is the cost of getting labor, materials, and equipment out to the island & back. Barge service might run 1500 per day. Then plan on paying +/- 150 a day to get labor out there and back. Also, expect a shorter workday. Laborers are usually paid from mainland dock to mainland dock. Depending on travel time to the island this might mean 8:30 to 3:30 workday including lunch break & other breaks. I had a recent insurance claim that doubled due to the added island costs.
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