Building works insurance
Building works can expose a property to additional risks. If you’re planning renovation, it’s important to make sure your home stays properly protected throughout the project. We help arrange specialist cover so the property, existing structure and materials on site remain insured while the work is underway.
Insurance during building works and renovations
Homes undergoing renovation are often exposed to additional risks. Properties may be partially open to the elements, materials and equipment may be stored on site, and security arrangements can change as works progress.
Homeowners often assume their existing policy will continue to apply during building works. In practice, once structural alterations begin, many home insurance policies place restrictions on cover. Renovation-related damage is frequently excluded, and the existing structure, as well as neighbouring property, can be affected during the course of the project.
We help ensure the right cover is in place before work begins, taking into account the scope of the project and how it will be carried out.
This can include specialist renovation insurance to protect the existing structure, materials on site, and damage arising during the construction process.
With appropriate cover arranged from the outset, projects can move forward with confidence that both the property and the investment remain protected at every stage.
Getting your cover in place
We take the time to understand your circumstances and undertake a comprehensive review before approaching insurers and arranging your cover. From insurer selection to policy wording, every element is carefully aligned so your protection reflects your needs.
You can read more about our approach in The Lumley way. When cover is arranged with this level of preparation, the claims process is typically more straightforward. To understand how we continue to support clients at the point of claim, please visit our claims page.
