Common questions about Home renovation and remodeling
Answering the most frequently asked questions about Home renovation and remodeling.
Does working in an occupied home change anything?Gravity Certs2026-08-17T23:39:29-04:00
It raises bodily injury exposure meaningfully, and many carriers rate for it. Disclose occupied-dwelling work.
What if my work causes damage months later?Gravity Certs2026-08-17T23:39:28-04:00
Completed operations responds. Water intrusion claims commonly surface a season or two after completion.
Am I liable for my subcontractors?Gravity Certs2026-08-17T23:39:28-04:00
Yes. Collect certificates before they start, or their claims become yours.
Is the client’s existing property covered?Gravity Certs2026-08-17T23:39:27-04:00
General liability covers damage you cause to existing structure and contents, which is the frequent claim in occupied homes.
Do I need builder’s risk on a renovation?Gravity Certs2026-08-17T23:39:27-04:00
Usually yes for the work in progress. Confirm whether the homeowner’s policy will respond, since many exclude renovation.
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