Doing It Yourself – badly
Doing a bit of DIY makes us feel good – like we’ve achieved something really worthwhile, but botch it up and you might not be able to claim on your insurance. Most policies won’t cover you for accidental damage without an additional charge, so if you saw through a water pipe and soak the carpets, you might find yourself coughing up for it.
If you are going to carry out any building work – either yourself or professionally, then give your insurance provider a call. They may offer you temporary accidental damage cover, which you might have to pay a bit extra for but it could save you a lot more in the long run.