Title: Builder Insurance—Ever Wondered Who Covers the Mishaps?
That’s a solid checklist. I’ve definitely learned the hard way that “covered” doesn’t always mean what you think, especially when you’re trying to keep costs down. I once assumed the builder’s insurance would handle a cracked tile situation, but apparently “cosmetic damage” was excluded—ended up paying out of pocket for something I thought was minor.
One thing I’m still not clear on: if you’re hiring a smaller crew or even just a handyman for part of the job, how do you make sure their insurance is legit? I’ve seen some certificates that look official but then you dig in and realize they expired months ago or only cover certain types of work. Is there a way to double-check with the insurer directly, or is it just a trust thing?
Also, has anyone ever tried negotiating with the builder to include extra coverage in the contract? Wondering if that’s even possible without blowing the budget...
I’ve seen some certificates that look official but then you dig in and realize they expired months ago or only cover certain types of work.
That’s honestly my biggest fear—thinking I’m covered, then finding out the paperwork’s just for show. Do people actually call the insurer to check, or is that overkill? I’ve tried asking for updated certificates, but sometimes I get a lot of “oh, it’s in the mail” runaround. And about negotiating extra coverage, I’ve asked before and got a blank stare... is that just me, or do most builders hate talking insurance?
Title: Builder Insurance—Ever Wondered Who Covers the Mishaps?
I’ve tried calling the insurer before, just to double-check, and honestly, it wasn’t as weird as I thought it’d be. The builder acted a bit annoyed, but I’d rather deal with that than find out the coverage is useless when something goes wrong. I got the same “it’s in the mail” excuse too, which always makes me suspicious. It’s wild how some folks treat insurance like it’s just paperwork instead of actual protection. Maybe I’m paranoid, but I’d rather be safe than sorry.
Honestly, I totally get where you’re coming from. I remember when we were doing our kitchen reno, I asked the builder for proof of insurance and he seemed almost offended, like I was accusing him of something. But after hearing a neighbor’s horror story—contractor bailed, no coverage, total mess—I don’t feel bad about being “paranoid” at all. Insurance isn’t just paperwork, it’s peace of mind, especially with all the moving parts in a build. I’d rather have a slightly awkward convo than end up footing the bill for someone else’s mistake.
Insurance isn’t just paperwork, it’s peace of mind, especially with all the moving parts in a build.
Couldn’t agree more. I’ve had a few contractors get weird when I asked about insurance too—like it’s some kind of insult. But honestly, if they’re legit, they should expect those questions. It’s not about being paranoid, it’s just smart. Too many horror stories out there to take chances, especially when you’re putting serious money into a project. Better safe than sorry, even if it means an awkward moment or two.
