Here's a number most homeowners never see coming: nearly 1 in 5 renovation-related insurance claims get denied, and the reason usually traces back to paperwork nobody thought to file.
Renovating a kitchen feels like the fun part of homeownership. New cabinets, a bigger island, maybe finally moving that wall you've hated since move-in day. But insurers look at your kitchen very differently than you do. To them, it's wiring, plumbing, gas lines, and square footage — all factors baked into your original policy quote. Change any of those without telling your carrier, and you may have unknowingly created a coverage gap.
A few things insurance companies commonly flag:
Adding square footage without updating your dwelling coverage
Upgrading appliances or gas lines without notifying your provider
Hiring uninsured or unlicensed contractors for structural work
Leaving your home "under construction" for weeks without informing your insurer
None of this means remodeling is risky business. It means insurance and renovation need to move together, not separately. Most carriers are happy to adjust your policy for a small premium change — the real danger is doing nothing and assuming your old policy still has you covered.
So here's the real question worth asking before demo day: does your contractor's insurance protect you, or just them? The answer changes everything about how the next few months should go, and it's covered in full detail in the original article. 🏠
প্রফেশনাল ডিজাইন টুলস ও ক্রিয়েটিভ ফিচার একসাথে। আজই শুরু করুন আপনার ডিজাইন জার্নি!
