VIC: Questions to ask your insurer
Use this list to avoid nasty surprises — especially for renovations and “existing structures”.
Contract Works (ask)
- What exactly is covered: materials on site, partially completed work, theft?
- Storm/water damage coverage while the building is “open”?
- Any exclusions for faulty workmanship / design defects?
- Do you require specific site security measures?
- How do you calculate payout: reinstatement vs agreed value?
Public Liability (ask)
- What’s the limit and what’s excluded?
- Is volunteer labour covered (friends/family helping)?
- Are subcontractors required to have their own PL too?
- Any restrictions for demolition, excavation, or high-risk work?
Existing structures / renovations (ask)
- Is the existing home covered while works are underway?
- Does my current home policy remain valid during construction?
- What cover do you offer if the existing structure is partially occupied?
- What happens if a burst pipe / fire impacts the existing home during works?
Tip: ask for answers in writing (email is fine).
Claims & admin (ask)
- What evidence do you need for a claim (photos, invoices, police report)?
- Are you okay with staged variations during the project?
- Do you require updated sums insured as the build progresses?
- What are the key “must disclose” facts that could void a claim?
This content was built in consultation with industry expert Mark Adams from InsuranceTek Pty Ltd.