Will I receive a discount for using eco materials?
It is unfortunate that no matter how green you go, you will still need home renovation insurance while work is being undertaken, and this does not typically mean you will receive a discounted premium. Though most insurers are reluctant or unable to offer home renovation insurance, HomeProtect is different. With us you can get a quote for renovation insurance in minutes.
Can I get home insurance while I’m having a basement added to my house?
No. We can, however, cover your home once the basement is complete or while an existing basement is being refurbished, for example by being re-tanked.
Can I insure a derelict mill, watermill or barn that I plan to have renovated into a home?
No, HomeProtect only insure properties that are classed residential before the renovation. Once the work is complete, HomeProtect may be able to provide a home insurance quote for your new home.
If I am doing the renovation work myself, will I be able to get home insurance?
We can still provide home insurance for you whilst you are renovating the property, this insurance will cover the existing structure from the extra risks of fire, escape of water and theft. However, we will need to see a copy of your self-build insurance policy, which should include at least £1 million public liability cover.
I’m planning on digging a new basement beneath the property, can you insure the property?
Sorry, but no, that’s one of the only renovation situations we are unable to insure at present.
My contractor has a Joint Liability contract, can you insure my property?
No, unfortunately the HomeProtect policy will not cover renovation projects where the contractor has either a Joint liability contract or a liability waiver clause.
What does asbestos look like?
Asbestos fibres look like loose cotton wool fibres. It’s most commonly a blue grey colour, but can also be brown or white. It is most commonly found under floorboards, in attics and in cavity wall spaces.
It was used widely in property construction from the 1950s to the mid 1980s, mainly as an insulation material. The reason it was is was so popular in the post war period was because it was cheap and durable.
It became illegal to use in construction in the UK in 1999 due to the serious health risks posed by breathing in asbestos fibres.
As well as under flooring, attics and cavity walls, asbestos is also found in homes in the following areas: floor tiles, ceiling tiles, roof shingles, roofing felt, roof flashing, boiler insulation and pipe lagging.
Sometimes it was spray-painted so it may be difficult to visually identify the fibrous texture of the asbestos. In the construction of sheds and garagess, asbestos was used in the form of solid fibro sheeting to clad and insulate the structure.
If you suspect there may asbestos in your property, a visual inspection will not be enough. The recommended approach is to call in a specialist asbestos surveyor to take away suspected asbestos fibre samples to a laboratory to be tested. A professional will use appropriate, safe breathing apparatus and equipment when handling the asbestos.
Why do I have to pay an extra home insurance fee when I’m having building work done?
When you have tradesmen working in your home, the risks that your home insurance protects you against increase. For example, doors can easily be left open giving access to burglars, scaffolding can also make it easier for thieves to access your home, and neighbours won’t be alerted by unfamiliar faces hanging round your property as your normal routine will have been disrupted.
It also becomes more likely that you will claim for the costs of a contract dispute against your legal expenses cover, and the probability of damage caused by ‘escape of water’ from disturbed pipework in the year following renovation is greatly increased too.
Do I have to pay another fee if my project goes on longer than the end of my insurance year?
No. So long as you renew your policy with us, you do not need to pay again.
What is the definition of “renovation” used in the policy terms?
Any work within Your Home, within the Boundary or to items We insure, which involves:
- Any electrical or plumbing alterations exceeding a cost of £10,000; or,
- Any structural alterations to buildings exceeding a cost of £20,000; or,
- Any other building works exceeding a cost of £20,000.