There is a lot that can go wrong during any construction project. Some of it can be down to negligence, but in other cases, bad luck can simply strike too.
Check any builders or contractors who work on your property have the relevant Insurance to cover their work and ask to see their insurance certificate for confirmation.
Review your existing home insurance policies. Consider whether it covers anything related to your extension projects. Work up to a certain cost may be covered or added for an additional premium. Research specialist
premiums if you suspect more can be done.
If you don't tell your insurer that your home is undergoing renovation, you may find that your policy is invalid in the event of a claim. This applies whether or not you continue to live in your home while the work is
being done. This is because the risk of something unexpected happening to your home and its contents increases considerably when you've 'got the builders in'.
Renovations insurance can protect your property while you're performing any work on it, including adding extensions. It only covers parts of the building that are not currently being renovated but should an issue like
damage or potential theft arise, each problem can be more swiftly dealt with.
You may need to prove that your contractors are reputable (good scores on 'Check a Trade' or a member of the Federation of Master Builders), hold a level of liability cover (minimum £1 million), have a CAR (Contractors All Risk policy) in place and have signed a clear contract outlining responsibilities. However, these are all good practices when undertaking work on your home.
It is worth thinking about safeguards whch can provide peace of mind. Extension work can
cause you to worry about various scenarios
and feel overwhelmed with anxiety. Such fears can impede your judgement elsewhere in the process and unnecessarily drag things out. By having peace of mind with insurance policies, your mind is free to
focus on more pressing concerns, which could speed the process up.