I was visiting a client's home to talk to them about their new boat and I noticed that their kitchen had been torn to bits. It turns out they had begun a major remodel of their home's main floor.
Most insurance policies have a provision in the policy that makes some coverage for your home conditional on alerting the underwriter of any action that may increase the expected reconstruction cost of your home. The insurance company wants a chance to make sure that they are adequately preparing for the cost and risk of rebuilding your home, so they want to be kept up to date on things that impact the expected reconstruction cost.
So if you plan on doing a remodel, tell us before you begin. We want to explain to you if/why your policy has the condition we mention above and then address this for you with your insurance company. We'd rather have you worried about choosing the best faucet than about missing out on important insurance coverage!
