Factors to consider Before Building


Before you start construction a few preventative measures and suggestions can keep the project on track and everyone safe.

Preventative Measures:

We recommend that you and your contractor follow these preventative measures during construction:

  • Post No Smoking signs
  • Place fire extinguishers every 1,000 feet of framing and on each level
  • Once enclosed, install temporary heat and motion detectors to the structure
  • Keep flammable liquids and materials such as oil rags in a fireproof storage cabinet

Choosing a Contractor:

Get several estimates and be certain the contractor you choose has insurance and a bond. A bond protects you by providing coverage for work completed incorrectly, injuries to the contractor at your home while working and any damages or theft to your property.

Request examples of the contractor's previous finished work.

Describe exactly what you want to be done and when you want it completed.

Think twice if the contractor requests large deposits, cash payments or payment before completion of work or specific project phases.

Obtain a written contract and be sure to include all items to be completed.

Inventory and secure all valuables if a contractor is working inside your home, especially if no one will be home while the contractor is working.

Sites such as the Better Business Bureau can help you find local licensed contractors and warn you of scams. Several commercial websites also allow you to establish an account and receive ratings and reviews of local artisans from other users.

National Consumer Law Center offers tips to avoid problem contractors. https://www.nclc.org/

The Federal Trade Commission also offers helpful advice. https://www.ftc.gov/

Once you have decided to build or renovate, contact your independent agent and let them know your plans. They can provide additional resources and review your coverages to ensure there are no gaps.
Our loss control service is advisory only. We assume no responsibility for management or control of customer loss control activities or for implementation of recommended corrective measures. This content was gathered from trade services and public information and does not identify or address all possible exposures. We do not warrant that this information is consistent with the underwriting guidelines of The Cincinnati Insurance Company and its subsidiaries or with any federal, state or local law, regulation or ordinance.
To report a claim: You may call us directly, 877-242-2544, to report your claim and provide us with your claim-related information. You may also contact your independent agent to report a claim.

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