A lot of time and energy goes into adding a deck, a new bathroom, or that spare bedroom you’ve always wanted. You have to have patience in deciding on the new look you want, as well as in seeking out the right contractor or friend to help you with the job. In the excitement of the project, you may overlook updating your insurance coverage.

It is understandable that you may forget to review your policy. However, you should be aware that ad­ditional insurance coverage may be necessary if you remodel your home. Your homeowner’s policy will likely cover any property damage resulting from your own improve­ments, the work of a friend, or the work a contractor performed. Liability for the homeowner is generally covered, regard­less of who did the work, but coverage for additional parties alleged to have been negligent (such as a contractor) is likely not covered by the homeowners policy. It is important that any contractor you hire for your remodeling project has liability insurance, just in case a wall comes tumbling down or someone takes a serious fall. You should be sure to obtain