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As title, we're having an extension built on the house - current insurer (esure) won't insure this apparently.
Any recommendations for insurers that will cover this?
If it matters, extension cost is ~1/3 the value of the house, will take ~5 months.
Other tips/recommendations/tales of woe appreciated...
That not covered by the builders liability insurance, assuming you are using?
We had this when we had extensive work done our house in 2018. We had to go through a specialist broker.
That not covered by the builders liability insurance, assuming you are using?
No, the contents are not covered nor the fabric of the house whilst the work is going on. For example if a tree fell on the roof while the builders are there their insurance wouldn’t be liable as it wasn’t their responsibility.
Renovation Plan and ProAktive can/will do the above. You may find esure will be OK covering just the contents and you can place the buildings with the above. Both the above will cover the contract works.
A cautionary tale…..
Currently working on a claim for a householder having a dorma conversion. The place has burnt down during plumbing works from a blow torch. The existing household insurers weren’t told about the works and have declined cover. The contractor’s Public Liability insurers have a “hot works “ endorsement, precedent to policy operation. They didn’t comply with that endorsement so cover has been declined there too. Poor, and entirely innocent, homeowner is running out of avenues to claim. They assumed the contractor would be covered.
Useful (and partly terrifying) input - thanks all!
We used Gallagher when we had substantial work done in our house. Didn’t have to claim on it but they seemed pretty reasonable and helpful on the phone
We've got building works happening at the moment that are in the £150-200k ballpark and I'm the one doing a large majority of the work. I'm not a builder so I have no insurance of my own. Intelligent Insurance are covering us for a little over £70/month
Our insurer added the extra bit to the policy, asked a few questions about number of rooms we were adding and that was about it. Think it added £100 or so to the policy. Tesco bank. £250k build including gas, water, opening existing f roof etc. called them when it was done which was very close to renewal date anyway - premium returned to normal