Every home owner should ensure they have adequate insurance on their home before they start down the road of getting an extension.

Clients must have House and Contents Insurance up to date before commencing an extension to their home. Talk to your insurance company and get clarification of what they will and won’t cover. At Duncan Thompson we may be able to assist you if you have concerns about your level of cover.

Types of insurance that need to be considered before extending are:

  • Home Owner’s Warranty Insurance — 7 years after completion.
  • Construction Insurance
  • Existing Property Insurance

Some insurance companies will not cover for building insurance while the extension is being built.

Home Owner’s Warranty Insurance

Home Owner’s Warranty Insurance insures the owner (or subsequent owners) against non-completion of the building contract due to death, disappearance or insolvency of the builder, and failure of the builder to correct faults, which are deemed by law to be the builder’s responsibility, for a nominated warranty period. These contingencies are poor workmanship, structural faults, and inadequate or unsuitable materials and is only triggered by the death, disappearance or insolvency of the builder.

Construction Insurance

Construction Insurance will protect the home owner during the building process, including any malicious damage and vandalism, theft, fire damage, storm, wind and water damage that may occur. If finance is being obtained for the extension from a lending institution, they may require evidence of a Construction Insurance policy prior to releasing any funds.

Statutory Warranties

Statutory warranties require the builder to do the work:

  • In accordance with the plans and specifications in the contract
  • In a proper manner
  • Using good and suitable materials
  • Using new materials unless otherwise stated
  • In accordance with laws
  • Within the time specified in the contract
  • So as to be fit to be occupied when completed; and
  • So as to live up to any result agreed it must achieve

Related Information

Home Extension Costs

One thing almost everyone wants to know is how much a home extension costs. This is a difficult question to answer, but here we explain what factors determine the cost of an extension.

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Timeframes

There are a number of factors outside of our control, however we’ve completed so many over the last 30 years that we have a pretty good idea how long it takes to build an extension.

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Contracts

We offer fixed-price home extension contracts which include design, planning approvals and construction. The contract details everything, with costings, so there are no nasty surprises.

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Project Management

Your Building Supervisor will be onsite every step of the way to ensure everything runs smoothly. They are your day-to-day contact and will facilitate any requirements you may have.

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Building Inspections

During every home extension a series of inspections are carried out to ensure all aspects of the construction have been implemented safely and within mandatory building requirements.

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Tradespeople

Our people, from the front office right through to the onsite trades have worked with us for many years. This continuity of people ensures a smooth workflow during every extension we build.

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Building Permits

We’ll determine what permits and planning approvals are required to build an extension to your home. We negotiate with Councils on your behalf so there’s nothing you need to do.

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Building Insurance

Every home owner should ensure they have adequate insurance on their home before they start an extension. We can assist you if you have concerns about your level of cover.

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