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Whenever you do any renovations or remodeling in your home or surrounding property, make sure that the contractor you choose is insured. The insurance should cover both damages to your property and liability should they or their workers be injured while working in your home. If the contractor uses sub-contractors, make sure that they are insured as well. Obtain all documentation before allowing them to start work on your home so there are unfortunate surprises later.
Doing this will protect you from having to file a claim under your policy and potentially increasing your homeowner's insurance cost. You don't want to have to pay a deductible or run the risk of your rates increasing because of claims that could have been avoided.
Ask for a copy of documentation showing the workers are covered under their own policy. Should any damages or personal injury occur, contact your policy provider immediately and give them the documentation to avoid any problems or confusion.
|Jennifer Mathes, Ph.D.|