Spring renewals
Spring is in the air, and it’s time to redo, refresh, and renew! Whether you’re starting a major home renovation or seasonal upgrades to get your home ready for the warmer months, build boldly, but protect wisely. Like buds opening, home upgrades reach their full potential when thoughtfully planned and protected.
A quick review of your home insurance, permits, and coverage now will safeguard your home and keep your projects running smoothly.
Here are some simple ways to make your renovation worry-free and breezy:
Start with proof of protection
First things first: request a Certificate of Insurance (COI) from your contractor. Consider it as your assurance of hassle-free renovations. Ask to be listed as the certificate holder, and make sure it includes:
- Workers’ compensation – covers injuries on your property so you’re not responsible for the bill.
- General liability – protects against accidental damage or faulty work.
With the right coverage in place, you can focus on the details that bring your vision to life: choosing colors, refining layouts, and adding finishing touches with confidence.
Check permits and local rules
Even the most skilled contractor can’t sidestep the essentials. Confirm that:
- The proper permits are secured.
- Local zoning requirements are confirmed before work begins.
It’s a simple step that secures your home renovation, protects your investment, and helps you avoid costly setbacks down the road.
Plan your budget and timeline
Planning ahead allows your home upgrades to progress with clear expectations and ease. Make sure to collaborate with your contractor on realistic timelines.
- Understand the full scope of your project – materials, labor, and a buffer for the unexpected.
- Account for factors like weather, deliveries, or other unavoidable delays.
Review your homeowner’s insurance policy
Major renovations can alter your home’s risk profile. Consult your agent about updating your homeowner’s insurance policy or reviewing replacement cost estimates, particularly if you’re adding square footage or temporarily relocating during construction.
Home improvements flourish when they’re nurtured from start to finish: carefully planned and covered.
McGlynn Insurance Advocates, sharing our expertise is part of our mission: to support you at every step and help protect not just your project, but the pride and purpose behind it.
Questions about your coverage? We’re here for you! Call us at 978.443.6530