Construction Coverage: Your Quick Guide to Building Success
If you’re planning a conservatory, a new kitchen, or a full house extension, the first thing you need to sort out is construction coverage. It’s the safety net that protects you when things go off‑track – cracked foundations, unexpected delays, or structural surprises. In this guide we’ll break down what’s covered, why it matters, and how you can make the most of it.
What Exactly Does Construction Coverage Include?
Construction coverage isn’t a one‑size‑fits‑all policy. Most insurers focus on three main areas: structural damage, workmanship defects, and project delays. Structural damage covers things like foundation cracks (see our posts on "Foundation Crack Size: When Is It Serious?" and "Does Foundation Repair Really Work?"). Workmanship defects look at the quality of the trade work – think poorly fitted kitchen cabinets or a loft conversion that didn’t meet height regulations. Finally, delay coverage helps you if a contractor pulls out or the weather stalls the build for weeks.
How to Choose the Right Coverage for Your Project
Start by listing every part of your build – from the concrete slab to the final paint coat. Then match each item with a coverage type. For example, if you’re adding a garden room, you’ll want solid foundation protection and a clause for any structural changes required by planning permission. If you’re doing a DIY kitchen remodel, look for policies that cover both material loss and accidental damage while you work.
Don’t just grab the cheapest deal. Check the fine print for exclusions – many policies won’t cover subsidence unless you’ve taken extra steps, and some won’t pay for damage caused by unapproved designs. Our article "House Insurance and Foundation Issues" walks you through the typical gaps you’ll see.
Another tip: get a professional to review your policy before you sign. A structural engineer can spot missing coverage areas, especially when you’re dealing with older properties that might have hidden weaknesses.
Once you’ve picked a policy, keep all paperwork organized. Save invoices, contractor agreements, and inspection reports in a dedicated folder. If a problem arises, having a clear paper trail speeds up any claim.
Finally, remember that construction coverage works best when paired with good planning. Use our guides on "How Big Can You Extend Your House Without Planning Permission?" and "When to Walk Away from Foundation Problems" to avoid costly mistakes before they happen.
By understanding what’s covered, picking the right policy, and staying organized, you can protect your investment and keep your project moving forward. Ready to start? Grab the right coverage, follow the steps above, and watch your building dream become a reality.
