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March 2015 Newsletter


    Building Projects

The decision to upgrade a property is usually based on a maintenance need or simple aesthetic change.  In either case, there are many things to consider as you contemplate updating a structure.  We encourage you to consider the following information and contact your insurance provider before starting any update, renovation or construction project.  Often specific items and guidelines are required before a project starts. 

  1. Initially you will interview and hire licensed and insured architects, contractors and project managers.
  2. It may be necessary to obtain and provide proof of builders risk coverage and/or proof of insurance from hired companies. 
  3. You will need to carefully review and sign contracts.
  4. You will need to oversee the budget, timeline and provide progress reports during the life of the project. 
  5. You will also need to consider how the updates and changes may impact your current insurance policy. 

Please consult with your insurance provider to discuss what is required to properly update your policy to reflect the upgrades you’ve made to your property.  We have provided a list of changes that may impact your current insurance policy. 


  1. Square feet
  2. Building limit
  3. Business Personal Property limit (contents)
  4. Construction type
  5. Security upgrades
  6. Building and Ordinance upgrades
  7. “Green” updates
  8. Mortgagee and Loss payee changes

Building projects are a huge undertaking and require a great deal of patience, organization, and communication.  Please take time to talk with your insurance provider before, during and after a project. 



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