Protecting a property while renovation work is underway

Building work can change both the value at risk and the hazards at a property. Standard home or landlord insurance may restrict cover when a building is empty or undergoing substantial works, so preparation should start before contractors arrive.\n\n## Describe the project clearly\n\nPrepare a scope of works, expected cost, start date and programme. Explain whether the work is cosmetic, structural or a change of use, and whether the property will remain occupied. Tell your broker about changes to the roof, load-bearing walls, services or footprint.\n\n## Confirm who insures what\n\nCheck contracts with builders and professional advisers. Contractors’ insurance does not automatically protect the existing structure or every interest in the project. The owner, contractor and lender may each have requirements that need to align.\n\n## Control fire, water and security risks\n\nPlan hot works, waste removal, temporary heating, isolation of services and secure storage. Inspect the site regularly, especially during periods when nobody is working. Record progress with dated photographs.\n\n## Report changes during the work\n\nDelays, increases in contract value, periods of inactivity and changes in the works may need to be disclosed. Keep your broker informed rather than waiting until renewal.\n\nThis article is general guidance, not a substitute for advice on a particular project. Insurance is subject to policy terms and underwriting.