Facts About Insurance
and Renovating with Natural Stone Slabs in the GTA
If you’re planning a bathroom or kitchen renovation in the
GTA, chances are that you’re using natural stone slabs for the project. Before
you pour thousands into your new granite countertop or lay a single natural
stone tile, make sure that you take the time to ensure that your project is
covered by your insurance and is done right.
Doing It Yourself
Given that labour can be half the cost of installing natural
stone countertops, you may be tempted to try to do the installation yourself.
When you’re dealing with tiles, this may be an option. Many big box stores have
classes to teach you how to properly install tiles and grout. Given the expense
of the natural stone, you may want to hire an experienced professional to
ensure that the tiles are installed properly in order to increase the value of
Your brand new natural stone countertop is a completely
different kind of job. Natural stone is heavy, making it difficult to maneuver
into place. Even if you invited some of your handier friends, it will still be
difficult to get it into place without damaging the cabinetry, wall or other
surfaces. The money you save by doing it yourself may be spent on repairing
Also consider that installing some types of natural stone
countertops yourself voids the warranty. You will need a professional to
install the countertop to ensure that your warranty remains in effect.
Before you pick out the natural stone slabs for your GTA
home, you need to call your insurance company. Your insurance
policy may not cover your renovations
, so you need to ask what is covered
during the planned renovation time. If you’ll be living away from home during
the renovations, you may need a temporary policy change. After all, if a pipe
bursts or a sewer backs up and no one is home to notice, there could be
significant damage. It’s important to ensure that you’ll be covered.
Ask your contractor if they have an updated Certificate of
Insurance. It should have your address on it. This certificate shows that your
contractor has insured the job site and has insurance to cover any workers injured
while on the job.
After Renovating Your
Everyone knows that adding gorgeous natural stone, like granite
, can dramatically
increase your home’s value. Those beautiful natural stone slabs used as
countertops in the kitchen or vanities in the bathroom make your GTA home more
desirable to potential buyers.
It’s important to call your insurance company after you’ve
finished your renovation. Your policy needs to be updated. If you make a claim,
you will want to replace your granite countertops or limestone
floor. If you don’t
update your policy, you won’t be able to include such upgrades in the
rebuilding of your home. Remember that expensive and elegant touches, like
natural stone, can raise your insurance rate as they raise the value of your
When you add the beauty of natural stone slabs to your GTA
home, you can dramatically increase your home’s value –just remember to consult
your insurance company before and after renovating with natural stone slabs in
the GTA so that there are no surprises later.