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Homeowner's Insurance Inspection During Renovation

We purchased a home recently and now we're in the middle of some fairly extensive renovations - roof repairs, adding some sky lights, adding some french doors to the interior, removing some walls, ripping out some old plaster and replacing with sheet rock, completely new master bath, etc., etc.  So some of the rooms are currently down to the studs, the entire house is pretty much a construction zone, and now I get a call from a 3rd-party inspection company that our insurance company has ordered an inspection.

I'm not sure how to handle this?  We don't have an issue with having the insurance inspection done - there shouldn't be any issue with valuation, if there were any safety issues found we'd certainly be happy to address those issues, but I don't think that we can get through this type of inspection when the place is a construction zone?

Thanks in advance.
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September 17 2011 - US
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Answers (1)

I can see this post is a week old, but to me to be able to keep your homeowners insurance enforced you must be living in the house the entire time. If a problem arose you would be there to handle it....busted pipe call the plumber or fix yourself............fire call the fire department, but when practical fight a small fire................

If you move out or never lived there you might need to try and get a "Builders Risk Policy".......it covers incomplete projects and normally has a high deductible, but you would have coverage.

Make sure you are living on premises for best inspection and follow safety  with clean and orderly work in progress areas and have a couple of new fire extinguishers mounted on the walls.

Good Luck!

James Callas - Realtor®
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September 25 2011
 
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