How do I document my renovation for insurance in case something goes wrong?

Proper documentation is your best protection against insurance disputes and contractor issues — start documenting before any work begins and maintain detailed records throughout the project.

Before Work Starts
Take comprehensive photos and videos of your entire home, focusing on areas that will be renovated and adjacent spaces that could be affected. Document existing conditions, including any pre-existing damage, electrical panels, plumbing fixtures, and structural elements. Get your renovation plans, permits, and contracts in writing — your insurance company will want to see that work was properly permitted through your municipality or Regional Service Commission.

Contractor Documentation
Verify and document your contractor's credentials before signing anything. In New Brunswick, confirm they have current WorkSafeNB coverage (mandatory for employers with 3+ workers) by checking worksafenb.ca or calling 1-800-999-9775. For electrical, plumbing, or gas work, verify their licensing through NB Technical Inspection Services at 1-888-659-3222. Keep copies of all licenses, insurance certificates, and WorkSafeNB clearances — your insurance company may deny claims if unlicensed work caused damage.

Daily Progress Records
Create a renovation journal with dated entries, photos, and notes about work completed each day. Document any changes to the original scope, weather delays, or issues that arise. Take photos before walls are closed up — this documentation of electrical, plumbing, and structural work behind walls can be invaluable if problems emerge later. Keep all receipts for materials and labor, even for items you purchase separately.

Permit and Inspection Trail
Maintain copies of all building permits from your municipality or RSC, electrical permits from NB Power (1-800-615-0522), and any plumbing or gas permits from TIS. Document all required inspections — rough-in, insulation, and final inspections. Failed inspections must be corrected and re-inspected before proceeding. This paper trail proves work met National Building Code requirements.

Insurance Communication
Contact your insurance company before starting major renovations. Many policies require notification for projects over $10,000 or structural changes. Some insurers offer renovation coverage that protects materials and work in progress. Document this conversation and get any coverage changes in writing. If your renovation increases your home's value significantly, you may need to increase your coverage limits.

Digital Backup Strategy
Store all documentation in multiple formats — physical copies, cloud storage, and email backups. Create a dedicated folder with subfolders for contracts, permits, photos, receipts, and correspondence. Consider using renovation apps that timestamp and GPS-tag photos automatically.

Post-Completion Documentation
Once work is complete, document the finished project thoroughly. Keep all warranty information, final inspection certificates, and as-built drawings showing any changes from original plans. For electrical work, ensure you receive the TIS inspection certificate — this proves the work passed provincial safety standards.

Start documenting today, even if work hasn't begun yet. Having detailed before-and-after records can mean the difference between a smooth insurance claim and a lengthy dispute. Find verified, properly licensed contractors in our New Brunswick directory to ensure your renovation starts with the right foundation for insurance protection.

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Find a General Contractors Contractor

New Brunswick Construction Network connects you with experienced contractors in the directory:

• Ocean Edge Interiors Inc. ✓
• Blue Energy Ltd ✓
• BCB Electric ✓