{"id":243181,"date":"2025-05-15T13:28:18","date_gmt":"2025-05-15T13:28:18","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/protecting-a-renovation-project-dont-rely-on-your-contractors-insurance\/"},"modified":"2025-05-15T13:28:18","modified_gmt":"2025-05-15T13:28:18","slug":"protecting-a-renovation-project-dont-rely-on-your-contractors-insurance","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=243181","title":{"rendered":"Protecting a Renovation Project &#8211; Don&#8217;t rely on your Contractor&#8217;s Insurance"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<div class=\"post_thumbnail stm_mgb_32\">\n        <img loading=\"lazy\" width=\"1110\" height=\"630\" src=\"https:\/\/www.castleacreinsurance.com\/wp-content\/uploads\/2023\/06\/AdobeStock_95651520-1110x630.jpg\" class=\"img-responsive fullimage wp-post-image\" alt=\"Listed terrace housing\" decoding=\"async\"\/>    <\/div>\n<div class=\"stm_single__post-details clearfix\">\n<ul class=\"clearfix list-unstyled\">\n<li class=\"post_date\">\n            <span>4 October 2023<\/span>\n        <\/li>\n<li class=\"post_by\">\n            Posted by: <span>Castleacre<\/span>\n        <\/li>\n<\/ul>\n<\/div>\n<div class=\"stm_mgb_20\">\n<h3>Many people are choosing to renovate or extend their properties rather than move, particularly in urban areas but often people mistakenly rely on their contractor\u2019s insurance to protect their home during structural renovations.<\/h3>\n<blockquote>\n<p>Castleacre Insurance Director, Hugo Johnsen, explains:<\/p>\n<p>\u2018People do not always realise that if you are starting a building project at your home you need to advise your household insurer first. If you do not, this can invalidate your existing cover.<\/p>\n<p>If you undertake major building works which exceed a certain value your household insurer will suspend cover during the works because of the increased risk. Homeowners can end up relying on their contractor\u2019s insurance during a build project without realising that it puts them in a vulnerable position.<\/p>\n<p>What happens if your builder walks off the project, goes bankrupt or doesn\u2019t pay their insurance premium? If you have to prove that your contractor has been negligent any settlement could take months and you may need to fund alternative accommodation. The contractor\u2019s insurance generally will not provide cover for other perils unrelated to works or provide the full cover for your buildings which is an essential requirement for mortgage providers.\u2019<\/p>\n<\/blockquote>\n<p>Renovation or Building Work policies cover your existing property, works, your liability as a homeowner and, on a joint names basis, both yourself and the contractor if required \u2013 this means you are unlikely to experience long drawn-out disputes if something goes wrong. If you live on a terrace, own a semi-detached house or have neighbours in close proximity these policies can also be extended to offer a vital add-on, called \u2018non-negligence\u2019 cover.<\/p>\n<blockquote>\n<p>Hugo adds:<\/p>\n<p>\u2018in 1996 the Party Wall Law was introduced, partly in response to the popularity of basement and loft conversions. The law was designed to protect neighbouring properties when structural changes like excavations or extensions were undertaken and liability was placed on the property owner undertaking the construction rather than the contractor. Non negligence cover is a technical term for party wall protection; it ensures you are covered if your project creates any structural issues for neighbouring property.\u2019<\/p>\n<\/blockquote>\n<h3>If you would like advice on insuring your Renovation or Building Project contact:<\/h3>\n<h3 style=\"text-align: right;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-5796 size-medium\" src=\"https:\/\/www.castleacreinsurance.com\/wp-content\/uploads\/2023\/06\/Hugo-1-lower-res-200x300.jpg\" alt=\"\" width=\"200\" height=\"300\" srcset=\"https:\/\/www.castleacreinsurance.com\/wp-content\/uploads\/2023\/06\/Hugo-1-lower-res-200x300.jpg 200w, https:\/\/www.castleacreinsurance.com\/wp-content\/uploads\/2023\/06\/Hugo-1-lower-res-683x1024.jpg 683w, https:\/\/www.castleacreinsurance.com\/wp-content\/uploads\/2023\/06\/Hugo-1-lower-res-768x1152.jpg 768w, https:\/\/www.castleacreinsurance.com\/wp-content\/uploads\/2023\/06\/Hugo-1-lower-res.jpg 1000w\" sizes=\"auto, (max-width: 200px) 100vw, 200px\"\/><br \/><a href=\"https:\/\/www.castleacreinsurance.com\/personnel\/hugo-johnsen\/\">Hugo Johnsen<\/a><br \/>hugojohnsen@castleacreinsurance.com<br \/>01787 211 155<\/h3>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<\/p><\/div>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>4 October 2023 Posted by: Castleacre Many people are choosing to renovate or extend their properties rather than move, particularly in urban areas but often people mistakenly rely on their contractor\u2019s insurance to protect their home during structural renovations. Castleacre Insurance Director, Hugo Johnsen, explains: \u2018People do not always realise that if you are starting [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":243182,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[16684,4629,11034,5401,4377,18806,22402],"dealstore":[],"offerexpiration":[],"class_list":["post-243181","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-contractors","tag-dont","tag-insurance","tag-project","tag-protecting","tag-rely","tag-renovation"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Protecting a Renovation Project - Don&#039;t rely on your Contractor&#039;s Insurance - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=243181\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Protecting a Renovation Project - Don&#039;t rely on your Contractor&#039;s Insurance - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"4 October 2023 Posted by: Castleacre Many people are choosing to renovate or extend their properties rather than move, particularly in urban areas but often people mistakenly rely on their contractor\u2019s insurance to protect their home during structural renovations. 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