Had a similar wake-up call myself. A client of mine was renovating an older home—beautiful place, but tricky wiring. One afternoon, contractor accidentally clipped something he shouldn't have (you can guess where this is going...). Sparks flew, literally, and homeowner's insurance immediately pointed to some obscure clause about "ongoing construction." Builder's insurance stepped in thankfully, but it made me wonder how many homeowners even realize these gaps exist until it's too late.
"homeowner's insurance immediately pointed to some obscure clause about 'ongoing construction.'"
Yeah, those clauses can be sneaky, but honestly, isn't it partly on the homeowner to double-check coverage before diving into renovations? I mean, sure, insurance companies love their fine print, but shouldn't homeowners also be asking more questions upfront? I've seen clients assume they're covered for everything...until they're not. Maybe it's less about hidden clauses and more about people not knowing what to ask or look for?
