The risks to your home during structural work such as an expansion or loft conversion are unlikely to be covered by your home insurance policy. Smaller work such as rewiring, plumbing or internal structural improvements may still be covered, but the most important thing is to notify the insurer before proceeding with the construction or renovation.
Building insurance policies only includes a minor building works limit which means, you can only get to have the work done for your renovation or building works according to the value given or disclosed in your policy without telling your insurer.
Many insurers may cover cosmetic work such as kitchen or bathroom improvements, but if the work is comprehensive and your insurer is unable to provide coverage, you will need to search out a specialist renovation insurance policy.
If your policy does not have a minor building works provision you must notify your insurer before any construction starts or your coverage will be void. When your insurer is aware of the work, it will inform you if you’ll be compensated both before and after it’s completed.