Given that my insurer has never once stepped foot in any property of mine they've ever insured, the idea that I have to tell them when I replace the tiles in th

Given that my insurer has never once stepped foot in any property of mine they've ever insured, the idea that I have to tell them when I replace the tiles in the bathroom seems a little ... crazy. Obviously, if I add rooms or extend vertically, they need to know. But "remodel" covers a lot.