DIY How To

Home Insurance and Finding a Tradesman

It’s a big decision: Do you embark on a DIY project or get someone to do the work for you? Either way, it’s a good idea to make sure your home insurance policy covers you for any mis-haps you may face as you do your home improvements. A good home insurance policy can offer cover for DIY disasters such as putting your foot through the loft floor, but you may find it a lot less stressful to just pay a professional to do the job.

Where do you start if you're looking for someone to do work on your home? You need to do your research - and here are a few things to look out for:

Choosing the right Tradesman

Get recommendations:
Has a friend just had work done on their house that you like the look of? Ask for the name of their builder. There might be a house in the area that looks well maintained, and you could ask the owner to recommend who they use.

Don’t say yes to the first quote
Try at least three companies, and see which one comes in nearest to your budget. Cheaper is not always better, so look at photos of their work or better still ask them if you can visit a job they’ve done recently. If they’re a reputable company, they should be happy to do so.

Get the quote in writing:
Having everything written down and itemised can avoid tricky conversations later on. Make sure the quote’s split into materials and labour so you know exactly what you’re paying for. If it’s written down, it’s harder for the company to try and add costs on later.

Ignore the hard sell:
Don’t be pressured by sales people or tradesmen who say you need to make a decision quickly. You may be seeing a lot of the workmen over weeks or even months if it’s a big job, so you have to feel comfortable talking to them and having them in your house.

Be clear about the job:
If you’ve got a good idea about what you want, you’ll be less tempted to change your mind and add odd items on that could lead to a bigger bill. Also, if you can spell it out clearly you’ll have less reason to worry about the job not looking quite how you planned.

Don’t pay until the job’s finished:
Many companies will ask for an advance payment for materials, but never pay the full amount for the job until all work is finished and you’re sure you’re happy with it. Always get receipts for any money you spend, and don’t be pressured into paying by cash if you don’t feel comfortable with it.

Company Profile:
John Lewis Insurance offers a range of insurance services selected by the John Lewis Partnership. These include car, life, travel, wedding, event, pet and home insurance products.

For more information about John Lewis Pet Insurance please visit the website here - www.johnlewis-insurance.com/homepage/home-insurance.html.

John Lewis Insurance is a trading name of John Lewis plc. John Lewis plc is an appointed representative of AXA Insurance UK plc which is authorised and regulated by the Financial Services Authority.

Terms, conditions, limitations, exclusions and eligibility criteria apply. A full copy of the policy wording and the insurance complaints procedure are available on request.

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