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First Florida Underwriters Insurance blog

Renovation Planned? Get a Homeowner’s Policy Update First

For some Orange Park, FL families the possibility of adding a new room, flooring over an open ceiling, or adding an extension all mean more enjoyment of their existing home. However, in addition to the need for construction and expert work, these projects also will require an update to the related homeowner’s insurance policy on the property. Further, it’s a good idea to consider the need for liability coverage for any workers on the project as well, even if the contractor says they have worker’s compensation in place as their own business.

Contractor coverage can be a big problem. While companies will state and even promise they have their worker’s covered, when a serious injury occurs it’s a frequent situation that whatever was in place was insufficient. Then the attorneys go after the next attorney involved, the homeowner. By having a homeowner’s insurance policy updated for the work being performed and liability coverage, these sorts of “surprise” can be easily fended off and shut down before becoming a financial nightmare.

At a minimum a home change also changes the risk involved that was originally covered by the existing policy. If the current policy is not updated with the renovation occurring, claims could be delayed or outright denied if its determine they are in a part of the home that is new and not part of the original policy scope. Again, it’s a surprise that can be avoided by taking basic, easy steps before the renovation starts. In the best situations, updating a policy for what’s needed before any work even begins is the best approach and most advised by agents at First Florida Underwriters Inc.

So if you’re wondering how to go about a renovation in Orange Park, FL and have questions about coverage, the folks at First Florida Underwriters Inc can help answer them. Give them a call or email.