Yes – our policies cover sudden, unforeseen, accidental damage, and this is one of our most common claims. […]
Archives: FAQs
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Do you guarantee the work?
No, our policy does not guarantee the work of the contractor, the quality of the work, or that the contractor will complete the work. […]
Is defective workmanship covered?
Defects are a contractual matter between you and the contractor. Works insurance does not guarantee the quality of the work, so defective property is not covered. Insurance covers sudden, unforeseen accidental damage so would cover damage to insured property which is defect free and is damaged by the defective property. The standard insurance coverage may […]
My contractor has works insurance; why should I also take out works insurance?
Relying solely on a contractor’s insurance means you lack control over the claims process. Claims can be complex, and any coverage gaps could leave you unprotected. By securing your own insurance, you maintain control and peace of mind. A JCT contract clarifies insurance responsibilities during the contract period; consult your architect to administer a JCT […]
Can I rely on the contractor’s insurance?
Contractors don’t always understand what insurance provision they have and how you will be paid if there is a problem during the works. Contractor’s often use the term ‘Fully Insured’ without understanding what you expect that to mean. If your contractor has simple Public and Employer’s Liability insurance, it won’t cover your home and it […]
If the contractor has works insurance, would there be dual insurance?
No. If Renovation Underwriting provides a policy specifically for your works contract, it will be the primary insurance. […]
What insurance should the contractor have?
This depends on their individual requirements but typically, contractors should hold: • Public Liability: For claims from non-employees. • Employer’s Liability: If they have employees. • Professional Indemnity: If they provide design services. […]
What is a JCT contract?
The Joint Contracts Tribunal (JCT) produce contracts for construction projects. The contracts set out the responsibilities of all contracting parties, so it is understood what work is to be done, who is doing it, how long it is going to take and how much it is going to cost. Crucially, the contracts also provide a […]
What are the insurance implications of a JCT contract?
Under the insurance section of the JCT contract, there is a requirement for insurance to be arranged in “joint names”. Insurance for the works and existing structure must be arranged in the joint names of the homeowner* and the contractor. The safest way to undertake a contract is with an appropriate JCT Contract and JCT […]
Which JCT insurance clause is best for homeowners?
Employer (homeowner) controlled options are recommended for ensuring claims are paid under a JCT-compliant insurance policy. For example: • Minor Works: Clause 5.5 (previously 5.4B in JCT 2016). • Intermediate/Standard: Clause 6.7, Option B (new build) or Option C (when an existing home is involved). […]
