According to Citizens Information, people in Ireland aren’t obliged by law to insure their homes, but if they have a mortgage, then most lenders will insist that their house is appropriately insured. Getting a home insurance will benefit you in case there were damage to contents and to the structure of your house caused by bad weather or by accident.
Some people love decorating and renovating their homes, but they are often surprised to find out that those changes are not covered by their home insurance. Before planning to improve your home, make sure to have adequate home insurance. Aviva also strongly advises people to read the home care policy and other important documents before acquiring any home insurance to know what are covered in their policy.
Yahoo Homes published an article about ten things that are not covered by most home insurance. Included in the list is damage or injury due to construction work. It says there that if you’re planning to remodel your home, you should look into what’s called a builder’s risk policy, or also known as a “course of construction” policy. By doing so, your home can be protected from damages caused during the construction process.
To make your life easier, just hire a reputable contractor such as https://txbuyers.com since they already have the necessary license and covers all the damages that they may cause on your home. According to the company, quality never happens by accident and it is a result of a well-defined quality management process.
Whether you’re planning to remodel your own home or hire a contractor to help you fix up your home, it is mandatory to get in touch with your insurance representative. Inform him/her the type of work or changes you’re planning to do to your home. If there is a record of renovation or remodeling, then you can go after your claims in case your insurance provider refuses to pay you.