Am I required to notify my home insurance company before starting a major kitchen renovation in New Brunswick, and what happens to my coverage during construction?

Yes, you should notify your home insurance company before starting a major kitchen renovation in New Brunswick. Most insurers require notification for renovations exceeding $10,000-$15,000 in value, and failing to inform them could void your coverage if something goes wrong during construction.

What Constitutes "Major" Renovation

Insurance companies typically consider kitchen renovations "major" when they involve structural changes, electrical panel upgrades, plumbing relocations, or total project values over $10,000-$15,000. This includes most full kitchen remodels in New Brunswick, where even mid-range renovations run $25,000-$45,000. Cosmetic updates like painting cabinets, replacing hardware, or installing a new backsplash usually don't require notification.

Coverage During Construction

During renovation, your standard homeowner's policy may have reduced coverage or exclusions. Many insurers temporarily exclude coverage for theft of materials, damage caused by contractors, or accidents related to the construction work. However, your home's structure and contents not involved in the renovation typically remain covered for standard perils like fire or severe weather.

New Brunswick Specific Considerations

Given New Brunswick's older housing stock, many kitchen renovations uncover issues like knob-and-tube wiring, galvanized plumbing, or asbestos floor tiles. If your contractor discovers these problems and work stops unexpectedly, having notified your insurer protects you from potential coverage disputes. Additionally, NB's harsh winters mean any exterior wall work during kitchen renovations could temporarily compromise your home's weather barrier—another reason insurers want advance notice.

Contractor Insurance Requirements

Your insurance company will likely ask about your contractor's coverage. In New Brunswick, reputable kitchen renovators should carry general liability insurance ($2 million minimum) and WorkSafeNB coverage. Never hire contractors who can't provide proof of insurance—if they're injured on your property or cause damage, you could be personally liable.

Steps to Take

Contact your insurance broker or company at least two weeks before renovation begins. Provide project details, contractor information, estimated timeline, and total budget. They may issue a temporary amendment to your policy or recommend additional coverage. Some insurers offer "renovation coverage" that protects materials on-site and covers additional living expenses if the work makes your home temporarily uninhabitable.

What Happens If You Don't Notify

Failing to inform your insurer about major renovations can void your policy entirely. If a fire starts from electrical work or a water leak damages other parts of your home, you could face complete claim denial. The few hundred dollars in potential premium increases pale compared to the financial devastation of an uncovered claim.

When Professional Help Is Essential

For any renovation involving electrical panel upgrades (common in older NB homes with 60-amp service), structural changes, or gas line work, both building permits and insurance notification are mandatory. These aren't optional considerations—they're essential protections for your investment and family's safety.

Need help finding a kitchen renovator with proper insurance coverage? New Brunswick Kitchens can match you with qualified local contractors who carry appropriate coverage and understand NB's building requirements.