Most standard household insurance policies restrict or exclude cover automatically whilst building works are ongoing. Relying on your builders insurance policy is unlikely to be enough, particularly if there is a joint contract (JCT) in place which stipulates who is responsible for insurance. Importantly, a JCT insurance contract on a residential building works ensures that, in the event of a claim, the control stays with the homeowner as the contract is in both the insured’s name and the contractors.
Here at Lycetts, we can help you understand what your requirements are and arrange specialist contract works insurance policies designed to cover the existing structure, the building work and your liabilities to the public.
Some policies have strict time limits for notification of claims, so if there is a delay you may prejudice your claim.
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