When notifying your current household insurer of a significant home renovation, particularly where insurance cover is required by contract, homeowners can frequently find themselves faced with numerous difficulties.
Standard household insurers are often unable to continue covering the property effectively, or at all. They do not have the appetite to continue insuring what is effectively a building site, and all the inherent risk that brings.
A standard household insurer may provide cover for the existing house but this is usually on a highly restricted basis. This puts the homeowner at risk of not having adequate cover in place for their property and may even invalidate the policy if a JCT contract requires cover in joint names with the contractor.
Birnbeck can offer Home Works and Home Renovation policies, which provide a single, seamless solution that can cover the existing structure, contract works, contents and property owner’s liability all under one policy.
If you need any help with this area of insurance then please contact us to discuss on 01934 522252.