Questions to ask your insurer (QLD)

Copy/paste checklist (email your insurer)

1. Can you confirm in writing what cover applies during building works at [address]?
2. Does my existing home/buildings policy remain valid during renovations? What exclusions apply?
3. Do you require special “renovation” endorsements or separate policies during works?
4. What does the policy exclude relating to structural changes, unoccupied periods, scaffolding, or site access?
5. What’s the correct insured value for works-in-progress and stored materials?
6. What public liability limits do you recommend (and what is excluded)?
7. Do subcontractors need to carry their own liability and workers cover? What evidence do you want?
8. How are storm, flood, theft, vandalism and accidental damage handled during construction?
9. Do you require particular security/temporary fencing/site rules?
10. What changes do I need to notify you about (timeline changes, owner occupancy, stage changes)?