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I've heard people say this before, so a few years back I got all of my friends and family to send me a full copy of their insurance policies. 0% had any lines s

by jmb99 11mo ago

I've heard people say this before, so a few years back I got all of my friends and family to send me a full copy of their insurance policies. 0% had any lines saying anything regarding work being performed by licensed tradespeople, or even that work must be done to building/etc codes. This was across multiple insurance companies in 3 provinces (Canada), for policies on condos, semi-detached, and detached homes. I have my doubts that such a thing exists outside of extreme circumstances or internet commenters' imaginations.

XorNot 11mo ago
Definitely not the case in Australia e.g. https://www.gio.com.au/know-more/insuring-your-home/things-to-know-about-insurance-when-renovating.html https://www.gio.com.au/know-more/insuring-your-home/things-t... Insurance for damage due to building works is separate and required to be carried by the principal contractor for work over $20,000. Which is to say, if I don't check they actually hold a policy, the residential insurance is not going to pay out. I am extremely skeptical you have interpreted those policies accurately. For example, the one above doesn't require anything of anyone renovating stuff: but it also just won't pay for any associated damages.