From Summer Projects to Insurance Problems: What DIYers Need to Know Before Picking Up That Hammer

Summer is prime time for home improvement projects. Whether it’s building a new deck, renovating a bathroom, installing a firepit, or refreshing your landscaping, homeowners across Port Jervis and Orange County are rolling up their sleeves and getting to work. DIY projects are rewarding—and often cost-effective—but they can come with hidden risks that may not be top of mind when you're focused on materials, tools, and timelines.

Before you start your next project, it’s important to understand how your home insurance could be affected.

Unpermitted Work Can Void Coverage

One of the most common mistakes homeowners make is starting renovations without the proper permits. Even if the work seems minor—like converting a garage or adding a fence—skipping the permit process can put your insurance coverage at risk. If unpermitted work results in damage, injury, or fire, your claim may be denied. In some cases, it could even lead to increased premiums or cancellation of your policy.

If you’re not sure whether your project requires a permit, call your town’s building department before you begin. It's always better to play it safe—especially when insurance coverage is on the line.

Renting Tools? Read the Fine Print

Power washers, nail guns, ladders, excavators—you name it, DIYers are renting them. But here’s the catch: if a rented tool is damaged or causes damage to your home, your homeowners policy might not cover it. Some rental companies offer optional damage waivers or short-term insurance, but these plans often come with exclusions.

Before signing that rental agreement, take a minute to talk to your insurance agent. They can help you understand if your current coverage extends to rented equipment—or if a short-term rider is needed.

Unlicensed Contractors = Risky Business

Bringing in a “friend of a friend” to help with your project might seem like a budget-friendly shortcut, but it can backfire fast. If the person you hire doesn’t carry their own general liability or workers’ compensation insurance, you could be liable for any injuries they suffer on your property—or for any damage they cause.

Your homeowners policy likely won’t cover subcontractor mistakes or injuries unless they’re licensed and insured. Always ask for proof of coverage—and verify it—before allowing anyone to work on your property.

Protect Your Project and Your Property

A summer project should leave you with a sense of pride, not a financial headache. But too often, homeowners don’t realize that one oversight—like an unapproved change or uninsured helper—can lead to a denied claim.

If you're planning a home improvement project in Port Jervis, Middletown, or anywhere in Orange County, reach out before you begin. We’ll review your policy, help you identify potential risks, and make sure your home—and your budget—are protected.

Your insurance may not cover your next “weekend project.” Check with us first.https://www.cquickinsurance.com/