Cosmetic Renovations

Cosmetic renovations with no structural changes to your property are covered and you do not need to disclose this to initio.

Examples of cosmetic renovations include re-painting, installing new carpet or replacing a toilet. If you are unsure if your works are cosmetic please send us an email to [email protected] with full details of the works.

Structural Changes

If your renovation involves any kind of structural alterations to the property, construction losses will not be covered by your standard house insurance policy.

A Contract Works policy is required to insure the work and your home for construction related losses. This might include losses following water leaking in through exposed cladding or structural damage caused by the work itself.

Examples of structural changes include re-roofing, removing a wall or an extension onto your home.

If you are doing structural changes or are unsure if your work is structural please email [email protected] with full details of the works.