Builder Insurance - Ever Wondered Who Covers the Mishaps?

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.