Insurance Coverage for Home Extensions, Conservatories and Foundation Repairs
If you’re adding a conservatory, extending a kitchen or fixing a cracked foundation, the first thing you should check is your insurance. Many homeowners assume their standard buildings policy will cover any new work, but that’s not always true. A missing clause can leave you paying out of pocket for expensive repairs or a claim denial.
Start by pulling out your current policy document. Look for sections labelled “extensions”, “additions” or “structural alterations”. If you can’t find anything, call your insurer and ask directly. It’s better to get a written confirmation than a vague verbal promise.
Common Gaps in Standard Home Insurance
Typical buildings insurance covers the dwelling as it was when the policy started. Adding a new room or changing the roof can create a gap in coverage, especially if the change increases the rebuild cost. Some policies also exclude damage caused by subsidence, which is a big risk for older homes with poor foundations.
Another blind spot is the fine print around “structural damage”. If your foundation crack grows after a renovation, the insurer may argue the damage pre‑existed the work and refuse the claim. Keep records of any inspections before you start, so you have a clear baseline.
How to Make Sure Your Extension Is Covered
1. Notify your insurer before any work begins. Provide them with the architect’s plans, builder’s quote and expected completion date. Most companies will adjust the sum insured to include the new square footage.
2. Ask for a “builders’ risk” endorsement. This extra cover protects the site while construction is in progress, covering tools, materials and any accidental damage caused by contractors.
3. Document everything. Take photos of the property before you start, keep invoices for materials and labour, and store contracts with your builder. If a claim does arise, these documents are your proof that the work was done professionally and to code.
4. Review the policy’s deductible and limits. Adding a conservatory can push the rebuild value over your current limit, meaning you might be under‑insured. Raise the limit if needed, even if it means a small premium increase.
5. Check for specific exclusions. Some insurers won’t cover damage from water ingress if the new roof isn’t properly flashed, or they might exclude “act of God” events unless you add a separate clause.
Finally, shop around. Not all insurers treat extensions the same way. A broker who specialises in home improvement policies can compare quotes and highlight hidden exclusions you might miss.
In short, treat insurance as a part of your project plan, not an after‑thought. A quick call, a few extra pages in your policy, and diligent record‑keeping can save you thousands if something goes wrong. Protect your hard‑earned investment, and enjoy your new space without the stress of an unexpected claim denial.
