Hello to everybody! I would like to say that different companies have their own policies on that. The first thing you have to do is to check with the company. You can find almost everything it in the contract if you can understand it. Last year my neighbour renovated almost the whole house on his insurance money. He replaced all pipes, wires and roof. When my wife spoke to them, they sent her this link
https://www.moneyexpert.com/home-insurance/ and we found a new company with lower rates. Now we also thinking of replacing our roof and repairing our deck.
Edited by NicholasBlak252766 - 08 July 2020 at 11:03am