Did they at least clarify what counts as a "significant" scope change? Because honestly, I've seen insurers interpret that pretty creatively, haha. It's frustrating though—delays are basically part of the package with any project. Have you checked if there's any wiggle room buried in the fine print somewhere? Sometimes there's a sneaky clause or two that can help out...
Yeah, good point about fine print, but honestly, even those sneaky clauses usually favor the insurer more than us. Had a project last year delayed by what we thought was minor—insurer argued otherwise, naturally. Definitely worth double-checking definitions carefully though...
Had a similar issue recently—client's kitchen reno got delayed due to water damage, and the insurer argued it was "pre-existing." Learned the hard way to document everything meticulously. My advice: take detailed photos before starting any work, note dates clearly, and keep a running log of even minor issues. It feels tedious, but having solid evidence can really help if there's a dispute later on...
"take detailed photos before starting any work, note dates clearly"
Couldn't agree more. Had a similar headache last year—roof leak popped up mid-build, insurer claimed it was old damage. Luckily, I'd snapped pics beforehand. Tedious, yeah...but saved me from a costly argument. Lesson learned the hard way.
Yep, photos are a lifesaver. Had a similar run-in myself when a storm blew through halfway into framing. Insurer tried to pin it on "poor workmanship," but luckily I'd documented every step. Honestly, it's not just about insurance either—having detailed pics helps you track your progress and spot potential issues early. Sure, it's a bit of a pain stopping every few hours to snap shots, but trust me, it's worth the hassle. And don't just rely on your phone—back them up somewhere safe. Learned that one the hard way after dropping mine off scaffolding...oops.
