We’re considering doing some updates to our home. Is there anything we should know regarding specific contractors and our insurance before starting?

Certainly be sure to do your research on your options. There are many contractors out there that are great; however, there are some that at times cannot be trusted to complete the job to your satisfaction. You are taking a risk anytime you modify your home and allow someone else to take part in that process as well. Educating yourself should eliminate many dangers, but know that any changes can affect the value of your home and thus affect your future insurance rates. Also, ask for a Certificate of Insurance before allowing anyone to work on your home. Once you see that a contractor has one, a homeowner has the right to ask to be added to the contractor’s policy as an “additional insured.” Once you are added, the contractor’s insurance will cover you in case a worker might be hurt on your property.

Disclaimer: Information found on this webpage is intended for general use only and does not in any way guarantee or exclude coverage for a specific policyholder. This information is not intended as a substitute for professional advice. Please refer to your insurance policy for specific coverage and exclusion information.