Navigating Insurance Claims During Renovations and Construction

Renovating or expanding a commercial property is an exciting step for any business owner. However, construction projects also bring unique risks that can complicate insurance claims. From accidents on-site to unexpected property damage, navigating insurance issues during renovations requires careful planning and expert support. Here’s what every property owner should know.

Understand Your Policy Before Work Begins

Before starting any renovation or construction project, review your insurance policy closely. Many policies contain exclusions or specific requirements for work involving structural changes, electrical upgrades, or roofing. In some cases, additional coverage—such as a builder’s risk policy—may be necessary to protect against damages that occur during construction. Consulting a public adjuster early in the process can help ensure you’re properly covered before work begins.

Document Everything Thoroughly

Renovations often involve multiple contractors and moving parts, which can complicate commercial claims if something goes wrong. Maintain detailed records of all contracts, permits, inspections, and invoices. Take photos before, during, and after construction to establish clear evidence of the property’s condition. This documentation can be crucial if you need to prove the extent of damage or responsibility later.

Know the Role of Adjusters

If property damage occurs during construction, an insurance adjuster will investigate the claim. It’s important to remember that the adjuster sent by your insurance company represents their interests—not yours. That’s where a public adjuster becomes valuable. A public adjuster advocates for you, evaluating the damage independently and negotiating with the insurer to secure the best possible outcome.

Address Liability and Contractor Coverage

Not all damage will fall under your insurance policy. For example, if a contractor’s negligence leads to a fire or flood, their liability coverage may come into play. Make sure every contractor working on your site provides proof of insurance before starting work. This step can help protect you from unexpected costs and lengthy disputes.

Protect Your Investment with Expert Guidance

Managing insurance claims during renovations doesn’t have to be overwhelming. By reviewing your policy, keeping strong documentation, and relying on the expertise of a public adjuster, you can safeguard your property and minimize risks.

For guidance on handling insurance issues during construction or renovations, contact Affiliated Adjustment Group. Their experienced team specializes in complex and denied claims, helping property owners navigate challenges with confidence.