Sunroom, Solarium and Greenhouse Insurance Claims – What Homeowners Need to Know

Adding a sunroom, solarium or greenhouse to your home can provide extra living space and a connection to the outdoors. However, these specialty additions come with unique risks that standard homeowners insurance may not fully cover. As a homeowner, it’s important to understand how your sunroom, solarium, or greenhouse impacts your policy so you can be prepared in the event of damage.

The Insurance Industry and Specialty Additions:

The insurance industry uses set payout schedules to determine the value of common home components like windows, doors, roofing, siding, etc. However, there are no established guidelines for unique additions like sunrooms, solariums and greenhouses. Insurance companies assess the value of these on a case-by-case basis. Without an existing framework, claims involving your home’s specialty addition can be more difficult to navigate.

Steps to Take:

To make the claims process smoother in the event your sunroom, solarium, or greenhouse sustains damage, be proactive:

• Inform your insurance agent about the addition in advance and provide details like the structure type, square footage, building materials, and replacement value.
• Consider scheduling an appraisal to establish the addition’s value for insurance purposes.
• Review your policy limits and consider increasing coverage for personal property or structural damage if needed.
• Take detailed photos of the addition and keep receipts for any equipment or furnishings. This documentation can help support claims.

Staying Protected:

With proper precautions, you can feel confident knowing your investment in a sunroom, solarium, or greenhouse is protected. Connect with your insurance agent today to discuss your specialty addition and make sure you have the coverage you need. We’re here to help you navigate the claims process so you can focus on enjoying your new space.