VERT / GREEN
Minor work without material risk change: still confirm policy notification obligations.
Insurance during a major renovation
Before work, verify how home insurance changes with major renovation, vacancy or partial construction and whether course-of-construction coverage is needed.
JAUNE / YELLOW
Major renovation, open roof/envelope, long project or changed occupancy: notify insurer before work.
ROUGE / RED
Do not assume a standard homeowners policy automatically covers major construction; exclusions or builder’s risk may apply.
Construction triage
What the professional checks
- Assess risk change and coverage during construction
- Coordinate home, course-of-construction and contractor liability coverage
Official sources
Sources checked: 2026-08-22. Confirm local rules and the applicable edition.
Related path
Continue with the right tools
These links connect this page to the next useful checks and decisions without repeating the full content.
Plan a complete construction projectConnect feasibility, design, permits, concealed work, commissioning and closeout.Open →Check permit triggersPrepare the questions and documents to confirm with the local authority.Open →Check a contractorDocument licence, insurance, scope, payments, changes and warranties.Open →Update a construction costEscalate a historical cost using comparable index values.Open →Prepare pre-delivery reviewRecord documents, enclosure, systems, finishes and deficiencies before closeout.Open →
Manage the project through closeout
Explore: Systems to check before closing the work
Systems to check before closing the work
This section connects envelope, air, fire, structure, water and code instead of treating each project in isolation.
Explore: Project risks and overlooked interfaces
Project risks and overlooked interfaces
This section connects payment, water, envelope, ventilation and jobsite details that often create costly surprises.
Explore: Finish and service details to verify
Finish and service details to verify
This section connects small details that become costly once finishes are closed.