How do I document my renovation for insurance purposes?

Proper documentation is essential for insurance claims and can save you thousands if damage occurs during or after your renovation. Most Metro Vancouver homeowners underestimate how much documentation their insurance company will require, especially given BC's high construction costs and frequent water damage claims.

Before You Start
Contact your insurance company before beginning any renovation work. Many insurers require notification for projects over $10,000 or any work involving plumbing, electrical, or structural changes. Some policies have specific exclusions during active construction, and you may need temporary additional coverage. Given that strata insurance deductibles in BC can reach $50,000-$250,000 for water damage, this step is critical for condo and townhouse owners.

Document your home's pre-renovation condition with comprehensive photos and video walkthroughs. Capture every room from multiple angles, including close-ups of existing finishes, fixtures, and any pre-existing damage. Date-stamp everything and store copies in multiple locations. This baseline documentation proves what existed before work began, which is crucial for insurance adjusters who need to distinguish between renovation damage and pre-existing conditions.

During Construction

Photograph each phase of work, especially anything that will be covered up later. Document plumbing rough-in, electrical work, insulation installation, and framing changes. In Vancouver's wet climate, pay special attention to moisture barriers, rain screen assemblies, and waterproofing details. Take photos of any unexpected discoveries like previous water damage, asbestos, or structural issues that weren't apparent initially.

Keep detailed records of all materials purchased, including receipts, specifications, and warranty information. Vancouver construction costs are 15-25% above national averages, so accurate material documentation helps establish replacement values. Store receipts digitally and physically - water damage during construction could destroy paper records. Document any changes to the original scope with written change orders and additional photos.

Professional Documentation Requirements
Ensure all contractors provide proper documentation. In BC, electrical work must be inspected by Technical Safety BC (TSBC), and you'll receive inspection certificates. Gas work also requires TSBC inspection and certification. Keep all permits, inspection reports, and final approvals from your municipal building department. For strata properties, maintain records of strata council approval and any required engineering reports.

Verify that contractors carry adequate liability insurance ($2 million minimum) and WorkSafeBC coverage. Request certificates of insurance and keep them with your project files. If contractors cause damage, their insurance should cover repairs, but you need documentation to prove coverage was active during the work period.

Final Documentation Package
Create a comprehensive project file including before/after photos, all receipts, permits, inspection certificates, warranty documents, and contractor information. Include a detailed scope of work document listing everything completed, materials used, and final costs. This package becomes invaluable for future insurance claims, warranty issues, or when selling your home.

For major renovations, consider having a professional appraisal done after completion to establish the new replacement value for insurance purposes. Vancouver's rapid property appreciation means your coverage limits may be outdated after significant improvements.

Store all documentation in multiple formats and locations - digital copies in cloud storage, physical copies in a fireproof safe, and copies with your insurance agent. Update your insurance policy to reflect the increased home value and any new features that might affect coverage.