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Remodeling Your Home? Make These Insurance Tweaks

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Remodeling Your Home? Make These Insurance Tweaks

Protect your home remodeling project with quality home insurance.  

Whether you’re remodeling the kitchen or bathroom, these types of projects require a homeowner to make important decisions. While you may not think that a tweak here and an alteration there will make much difference to your home’s reconstruction cost, if you’re thinking about remodeling, you should notify your insurance agent. You want to be sure that you have all necessary insurance coverages during and after the remodel.

Make adjustments to your existing policy.

Having your home remodeled or renovated can change your risk exposures, even if you’re not adding on new structures or making major changes. It’s a good idea to talk to your homeowners insurance agent before breaking ground. A quick call to your agent should let you know whether you need to make any changes.

Ask for Proof of Insurance

If you are using a contractor or remodeling company, make sure to request proof of insurance for such things as liability and workers compensation. Know what part of the job they cover under their insurance, and what they ask you to cover, if anything.  They should be able to provide evidence of insurance for all their coverages.

Consider additional coverage.

If you are hiring a team of professionals to undertake the work, you may consider securing builder’s risk coverage. This includes coverage from the delivery of raw material until the job is completed. It helps to cover losses related to the theft of materials from your driveway, vandalism of new construction, fire damage to the materials, and more. Include yourself and the contractor as named insured on the builder’s risk policy.

For assistance with your insurance, contact the experts at Reata Insurance Group.  Our dedicated team is ready to assist you with all your coverage needs today. 

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