A home remodel is an exciting investment—you’re improving the way your home looks, functions, and supports your lifestyle. As you plan your project, it’s a great time to make sure your insurance coverage is aligned with the improvements you’re making. Our sister company, Skogman Insurance, helped us put together this helpful guide so you can move forward with confidence and peace of mind.
Why Reviewing Your Coverage During a Remodel Matters
As your home changes, your coverage should simply keep pace. A conversation with your agent can help ensure:
- Coverage Gaps: As your remodel adds value to your home, your policy may no longer reflect its true worth — potentially leaving your coverage short.
- Increased Value: A finished basement, new kitchen, or updated bathroom can raise your home’s value. Without updates, your policy may not reflect those improvements.
- Coverage Limits May Need Adjusting: As your home’s value increases, your dwelling limit may no longer cover a full rebuild if a loss occurs.
Why Hiring an Insured & Licensed Remodeler Matters
Choosing the right partner sets the tone for a smooth, worry-free project. When you work with a licensed and insured remodeler, like Skogman Remodeling & Repair, you’re choosing professionalism, accountability, and protection.
A properly credentialed contractor helps ensure:
- Their work and your project are protected under their insurance policies.
- You’re not financially responsible if an accident happens on-site involving their team or equipment.
- Your homeowner’s policy stays compliant, since many insurers require licensed, insured contractors for coverage to remain valid during major improvements.
Helpful Questions to Ask Your Insurance Agent
Before your project begins, consider asking:
- Does my current policy cover remodeling work, or do I need a temporary adjustment?
- Should I raise my dwelling coverage to reflect the increased value after the project?
- What documentation or proof of insurance you should request from contractors.
These conversations are quick, and they help you enjoy your remodel with peace of mind.
The Skogman Advantage
With Skogman Remodeling & Repair, you’re choosing a licensed, insured team with decades of expertise and with Skogman Insurance as your insurance partner, you can be confident your investment is protected from start to finish.
Our local agents understand both home values and home projects, giving you the peace of mind that your remodel is covered every step of the way.
Ready to talk coverage? Connect with Skogman Insurance to review your policy before starting your remodel.
Learn More
Have coverage questions? Skogman Insurance’s local agents understand home values, remodels, and the unique needs of Eastern Iowa homeowners. They’re here to help you feel confident in your policy.
