Home insurance renovation disclosure documents broker

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

Must clients disclose all renovations?

Material changes affecting risk, occupancy, or replacement cost should be disclosed. FSRA consumer guidance also flags renovations and home-based business on applications. When in doubt, document what you asked and what the client reported.

What documents prove a finished basement?

Building permit, final inspection, contractor invoice, or engineer letter — depending on scope and insurer requirements.

Does Airbnb conversion require new docs?

Often yes — occupancy and business use can change eligibility. Collect disclosure in writing on the file.

When should brokers ask — bind, mid-term, or renewal?

At bind for known work; whenever the client reports mid-term changes; and at every renewal with a standard renovation question. Major projects may need course-of-construction / builder’s-risk discussion — insurer-specific.

Does Hivi-X value the renovation?

No. Hivi-X collects documents. You still update dwelling limits and insurer forms.

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