Types of Home Renovations Covered by Insurance

Types of Home Renovations Covered by Insurance

Types of Home Renovations Covered by Insurance


Renovating your home can be an exciting endeavor. Perhaps you're looking to update your kitchen or bathroom, add a new extension, or spruce up your outdoor living space. Regardless of the reason, home renovations can be costly, and it's important to know what is and is not covered by your home insurance policy. In this blog post, we'll cover types of renovations that are typically covered by insurance and what you need to know before starting your next renovation project.


1. Water Damage

Water damage is one of the most common home insurance claims made by homeowners. Renovations that have to do with plumbing, such as fixing a leaky faucet or installing a new showerhead, are often covered by home insurance policies. However, it's important to note that water damage caused by floods might not be covered by a standard home insurance policy. In such instances, additional flood insurance may be necessary.

2. Fire Damage

Fire damage is another common home insurance claim. Kitchen renovations, electrical upgrades, and HVAC improvements can put your home at risk of a fire, particularly if you're not hiring an experienced contractor. In most cases, standard home insurance policies will cover fire damage, but it's important to check with your insurance provider to make sure.

3. Roof Repairs

Roof repairs are needed when your roof is damaged due to a storm, falling trees or clogged gutters. Depending on the cause of the damage, your home insurance policy may cover the cost of repairs or replacement. However, some insurance providers have policies that exclude natural disasters such as hail storms, windstorms, hurricanes, and tornadoes. It is important that you check with your insurance provider to fully understand what your policy covers.

4. Structural Renovations

Structural renovations include any changes made to the physical structure of your home like adding a room extension, changing the position of walls, repairing the foundation, and so on. Such renovations can be costly, and it's important to know what you're covered for. While most insurance policies cover renovations from unforeseeable covered hazards such as bad weather, it is still best to know beforehand what you are covered for.

5. Personal Liability

Before you begin any home renovation, it's important to speak with your insurance provider and understand whether your policy includes personal liability coverage. Personal liability coverage can protect you from financial loss in the event of an accident sustained by the workers or third parties during your renovation process.



Renovating your home is no small feat; there's a lot that goes into planning and executing a successful renovation. From choosing the right contractor to picking out the right materials, there's a lot of work involved in transforming your dream home into a reality. As a homeowner, it's essential to know what your insurance policy covers when it comes to renovations. Take the time to familiarize yourself with your policy and talk to your insurance provider to make sure you're protected – this can give you peace of mind knowing that you're covered in case anything goes wrong. Lastly, if you are looking for public claims adjuster in Orlando, FL, Contact Ultra Property Damage today for a free consultation to ensure you receive a fair settlement from your insurance provider.


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