MONDAY, APRIL 9, 2012
Picture this: that long awaited renovation is soon to start and you need to make a choice about staying in your house while the work is being done, or to move out and rent someplace else. One of the worries many people have when renovating is security – there might be many people coming and going and they might not always know who has access. In a situation such this you should talk with your Philadelphia home insurance agent, as there may be implications for your policy.
A small renovation that doesn’t affect working areas like kitchens and bathrooms might not necessitate moving out. Building on a room at the back of the house will still mean contractors, dust, noise, inconvenience and all the rest of renovation confusion. However, it may be possible to stay. You could pack up any precious treasures and store them away, and then just deal with any mess.
A major renovation could be a different matter. Being without a functional kitchen and bathrooms means life could be very difficult if you try and stay in the house. You may prefer to pack up what you can and store it and move out so the contractors and builders can get on with the job without having to work around you.
Of course once the work is all done, you can move back in and enjoy the new space. Don’t forget to make adjustments to your Philadelphia home insurance to take into account the changed cost of rebuilding the house and any increases in replacement costs as soon as possible. Be sure to mention any improvements in disaster-resistance of the home as that may actually warrant you a discount on insurance. Speak to your agent for details if required.