Rendering Insurance: Are You Covered? UK Homeowner's Guide 2025

Will Your House Insurance Cover Rendering?

UK home insurance rarely covers planned rendering but may pay for damage-related rendering work. As George Edward (17 years in UK rendering) explains:

"Insurers view rendering as home improvement – unless it's repairing storm damage or structural issues. Always notify them before work starts."

Here's how insurance applies to different rendering scenarios:

When Rendering IS Covered by Insurance

1. Storm Damage Repairs

• Hail/wind damage cracking render?

• Insurers typically cover:

  • Emergency scaffold (£500–£2,000)

  • Render repairs (£200–£1,500)

  • Full re-rendering if >50% damaged

2. Subsidence-Related Rendering

• If cracking is caused by insured subsidence:

  • Temporary weatherproofing during repairs

  • Final aesthetic rendering (often limited to 20% of claim value)

3. Fire/Flood Damage

• Rendering to restore fire-damaged walls

• Waterproof renders after flood damage

When Rendering is NOT Covered

How Rendering Affects Your Premiums

"We provide insurers with BSI certificates – keeps clients' premiums low." – George Edward

5 Steps to Ensure Insurance Compliance

1. Notify Insurers Before Work

   • Submit render type, installer credentials, guarantee

   • Wait for written approval

2. Use Certified Installers

   • Our BSI-certified team satisfies insurer requirements

3. Choose Approved Materials

   • We use BBA-certified renders (e.g., Krend, Parex)

4. Get a 10-Year Guarantee

   • HouseRenderPro's guarantee is insurer-recognised

5. Document Everything

   • Keep:

     • Installation certificates

     • Before/after photos

     • Insurer approval letter

"HouseRenderPro handled our insurer paperwork – claim approved in 48 hours!"
– The Patel Family, Leicester

Real Claims Case Study: Manchester Semi

Problem:

• Storm Eunice cracked pebbledash

• Water ingress damaging interior

Action:

1. Notified insurer within 24 hours

2. Used HouseRenderPro (insurer-approved)

3. Provided BSI certificates

Result:

• £4,200 repair covered

• Premium increased just 3% (vs. area average 8%)

Why Insurers Trust HouseRenderPro

We make claims smoother with:

• BSI 8521 certification (material standards)

• BBA-approved installations

• Insurer documentation pack

• 10-year transferable guarantee

Download Our Insurer Checklist →

3 Costly Insurance Mistakes

1. Assuming "external repairs" includes rendering

   • Most policies exclude cosmetic finishes

2. Not declaring render type changes

   • Switching pebble dash to silicone requires approval

3. Using uncertified installers

   • Invalidates guarantees & insurance

*"We resolve 20+ insurance disputes yearly – proper paperwork prevents problems."*