Renovation Project?
Don’t Leave It Unprotected.
Most home insurers won’t cover damage to your home as a result of home renovations. That means if there’s a fire or structural damage because of your project, you could be left footing the bill. C&C Renovation Insurance protects your home, your project, and your peace of mind from day one.
Our renovation insurance is designed specifically to safeguard both your home and your investment throughout the building process. It provides seamless protection, including the existing structure, the works in progress, materials on site and includes property owners’ liability cover, ensuring you’re fully protected from start to finish.
Why Do You Need Renovation Insurance?
Once building works commence, your home effectively becomes a construction site. Walls may be removed, roofs opened and multiple contractors will be working in and around the property. During this period, standard home insurance often won’t protect against damage arising from the renovation works.
Even if your project isn’t an extension or full renovation and seems relatively simple like a new kitchen, a bathroom refit, or a loft conversion, from an insurance perspective, you’re exposed. This tailored policy keeps your investment safe.
Without specialist insurance, you could be left:
- Paying for damage caused by accidents, storms or escape of water.
- Covering theft or vandalism from an open site.
- Liable for injury to contractors or visitors.
- Fighting over who’s responsible when things go wrong.
Common Misconceptions
“My builder’s insurance covers it.”
It doesn’t. Their cover protects their work, not your existing property.
“My home insurance already includes this.”
This is very unlikely. Most insurers exclude any loss or damage during active building works.
“It’s too expensive.”
Not compared to the cost of a serious incident. Renovation cover is proportionate to the risk; and a fraction of your project value.
For a real-life example of what could go wrong, take a look at James Hobby’s story, in which a simple loft conversion left him with an uninsured pile of rubble.
What Renovation Insurance Covers
No two renovation projects are the same, which is why C&C Private Clients arrange renovation insurance policies individually tailored to your project, timeline and level of work involved. Whether your home remains occupied or temporarily vacant, we can arrange the right protection for every stage of your project. Cover includes, but isn’t limited to:
Existing structure and new works under one simple policy.
- Materials on site, whether supplied by you or your contractor.
- Fire, flood, theft, storm, vandalism, accidental incidents, or escape of water.
- Property Owners’ and Public Liability.
- Party Wall cover to help prevent neighbour disputes.
- Flexible terms as your project evolves.
We handle your Renovation insurance claims
Should the worst happen and an incident occur, your personal C&C Private Client contact will manage the process on your behalf, liaising with insurers and loss adjusters to ensure the best possible outcome for you. We will champion your case, challenge settlements, and keep you informed every step of the way.
Having our team take the headwind at such a challenging time brings immense comfort to our clients, allowing them to focus on their lives without feeling overwhelmed.
Are You A Project Leader Or Working On Behalf Of A Client?
A renovation is more than just construction; it’s an investment in your client’s future life, and as a project leader, they trust your guidance and judgement to help turn it into reality. But while plans and budgets often focus on design and delivery, protection against the unexpected is all too often overlooked. We work with a range of construction and project leaders, such as:
Architects
Builders
Project Managers
Interior Designers
Specialist Fitters (Bathrooms, kitchens, lofts etc)
Encouraging your clients to contact us and discuss the importance of Renovation Insurance can help protect them and their project, should a serious setback occur, such as theft, fire, accidents, or structural failures affecting other aspects of the property.
Contact our specialist renovation insurance manager, Sonia hazelwood
at sonia.hazelwood@Cc-insure.com Or on 07751 710559
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