Building a home addition is a great way to add space without having to move. Stalwart Insurance wants to make sure Pittsburgh, PA residents are prepared for the task. Here we go over some common things to consider before making a home addition.
Do I need a permit or inspection?
The city does require certain permits before building, though the type and cost of the permit can vary depending on the exact addition being made. It’s important to research what permissions and inspections are needed ahead of time. Otherwise, you could face hefty fines and run into problems with your insurance.
Should I design the addition myself?
If you’re building a whole new addition to the home, you want it to look good with the existing architecture. Likewise, you’ll want to make sure that it will not disturb foundations end load-bearing elements. Unless you are greatly experienced with construction and design, it’s recommended to use a properly insured and licensed contractor.
Will an addition affect my homeowner’s insurance?
Significant additions, renovations, or alterations to your home can change the amount of insurance you need to make sure you’re covered. This doesn’t just mean coverage for additional square footage, but new personal belongings such as appliances and valuables as well. In fact, some policies require you inform your insurer of these changes to the home. Some insurers can offer special coverage options during construction for items like materials.
Home additions are an exciting but hectic time for a homeowner. Let Stalwart Insurance help you tackle your Pittsburgh, PA area renovation. Call, stop by, or message us directly from our website today!