Replies

1. 
   Scott_Hitchcock | Feb 27, 2002 01:19am | #1

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   Peter h,

   What are you trying to insure yourself against? If you are worried about injuring yourself, then you need disability insurance and health insurance. Your homeowners ins does not provide any coverage since you can't be liable to yourself.

   If your concern is fire, theft etc. your homeowners policy should provide coverage, although you should check with your agent regarding theft of material and any other limitations specific to your policy.

   If you hire sub-contractors you should check to make sure that they have their own insurance coverage and provide workers comp for all employees. If an employee of a sub-contractor gets injured on your property, and the sub doesn't have insurance, the injured employee is going to go after you.

   Scott

1. 
   peter_h | Feb 27, 2002 06:02am | #2

   *I guess I am concerned with damage that may result as a result of remodelling - for instance, if i cut open the roof, there is a sudden downpour, and some damage results. can one get coverage for this?

1. 
   Tim_Kline | Feb 27, 2002 06:24am | #3

   *peter I think you need to ask your agent different questions. Like, if I'm working on my roof and it rains and damages the interior, am I covered ? If so, have him/her show you the wording in the policy where it states this. Normally, it is covered.

1. 
   CaseyR_ | Feb 27, 2002 06:37am | #4

   *My Farmer's insurance just covered the water damage caused where a tree poked some holes in the roof during a storm. However, I doubt that if you purposely removed the roof, that a regular policy would cover any resulting damage. Of course, lots of things can be covered with special policies(including Marlene Dietrich's legs during the 50's for $1 million.) You may have to negotiate a special policy with Lloyds of London to cover your specifics, however, and it may not be cheap.

2. 
   peter_h | Feb 27, 2002 06:37am | #5

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   Any advice? I am a homeowner with carpentry experience, and will be doing a major renovation on my house. I was told by my insurance agent that i cannot get extra insurance for this work as "you cannot sue yourself" Anybody have any experience with this?