When remodelling structurally or building an "addition" does home policy provide coverage?

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July 28 2009 - Seattle
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Answers (3)

While I'm not an insurance agent, I've done this sort of work myself on numerous occasions. Major construction requires a different sort of policy called "course of construction." Remodeling means that risk of fires, theft, damage is way higher than a typical house, which is why they want you to have a different policy.

Do your homework and contact your insurance agent. They can tell you what you will need and what your current policy will or will not cover.
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August 02 2009
Absolutely.  I know of house that was being  completely remodled, and there was a fire.  The owner had not discussed the changes with the insurance company, thus... there was a long discussion about the value of the house that was lost.  The item that saved them, was that they had the insurance which covered for  them for replacement to the new building and zoning codes.   Some insurance companies call it ordinance and law coverage,   I highly recommend it. 
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July 29 2009
Most homeowner's policies provide coverage for minor remodels but not where there are not major structural changes or building additions, such as an added attached master bedroom and bath.

The contractor's insurance does not cover it either during this time of contruction.
 
A separate builder's risk policy is needed to cover just the new portion while being built.

Check to make sure your existing home policy is not completely voided by major construction on site.
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July 28 2009
 
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