Remember insurance during renovation work

It is very important to make sure that your property is insured when carrying out renovation work, an industry expert has claimed.

Jason Orme, editor of Homebuilding & Renovating magazine, says that smaller-scale renovation work is normally covered simply by your existing home insurance provider - while more extensive work requires specialist insurance.

"If you are undertaking substantial work and you need to move out then you need to [obtain] specialist renovation insurance - that's very similar to the insurance people take out when they're building their house," Mr Orme comments.

"If you're doing a loft conversion or a small extension, that tends to be something that you can get specialist small-level insurance for, possibly from your existing house insurance provider. But it's very important that it is insured."

A recent study from the Department of Communities and Local Government revealed that 27.1 per cent of homes in the UK are classified as 'non-decent' for human habitation - with the average cost of restoring them to decent status listed at £7,489.

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