Index linking can work properly only if your sum insured is right to start with. Then make sure you keep it up to date by telling your insurance company if you improve your home - perhaps by installing central heating or building an extension. Do not rely on index linking alone to keep your sum insured up to date. Review your cover every few years. If your property is damaged, do what you can to stop the damage getting worse.
Many policies cover the cost of temporary work.
Your insurance policy can help put things right, but cannot compensate for the upset and inconvenience. Take all the precautions you can to prevent the worst from happening. It has been found, in particular, that tree roots can cause damage to your own or your neighbour's property. It is important to take professional advice before planting or felling trees. The tables on the back page give general information on rebuilding costs.