September 28th, 2012 by Sureterm
Property owners must ensure their home insurance policies are in check before carrying out home improvements, one expert has advised.
With any DIY job there is the potential for disaster and homeowners must cover their backs before risking thousands of pounds worth of damage repair.
Anna-Marie DeSouza, editor of Build It magazine, said: ?You would be surprised by the number of people who have simply wanted to update a room by painting it, but have accidentally dropped the pot and ruined the flooring.?
Even the smallest of jobs can go wrong so it is particularly important that before a large-scale improvement is made homeowners are insured correctly.
This advice does not just end with DIY ? making an extravagant purchase and adding to your furnishings are reason enough to update your home insurance policy.
For those who are unsure of who to ask about their policy, Ms DeSouza advises that they speak to their provider for clarity and how to extend protection if necessary.
She says that the policies of most homeowners provide cover for improvements such as flooring, sanitary ware and soft furnishings, but for more advanced structural changes they may want to double check that they have the protection they need.
No risks must be taken in selecting cheap home insurance if it does not offer the right amount of cover. Damage to a property can rack up bills far higher than the revisions of home insurance.
Ms DeSouza further warns: ?Unless you are a professional in the field you shouldn?t carry out any electrical repair or upgrade work, you won?t get cover and work can be illegal.?
Homeowners risk both their home and bank balance when taking on tasks they are not equipped for. This also applies to hiring someone who is not adequately trained to fit their improvements, where you may be paying for a dodgy service and further damage.
Any updates you wish to make to your policy must be communicated to your provider as soon as possible and preferably before any home improvements begin.
Please click here for more information on home insurance.
Source:
http://adferoreporters.blogspot.co.uk/2012/08/build-it-large-diy-jobs-can-cause.html
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Source: http://www.sureterm.com/news/2012/09/diy-enthusiasts-must-check-insurance/
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