Homeowners turning to ChatGPT for renovation advice have been warned that it could be a costly mistake. The number of people using the AI chatbot for decoration ideas and tips has soared, with Google searches for ‘ChatGPT design my room’ skyrocketing by 4,000% in just six months.
The viral trend sees users uploading photos of their spaces and getting AI-powered makeover advice. Experts at MoneySuperMarket are urging homeowners to do their homework before they attempt to bring their AI visions to life – and avoid costly mistakes and the risk of voiding their home insurance.
Following the surge in searches, Kara Gammell, insurance expert at MoneySuperMarket, is now warning homeowners of the complications that may arise if they fail to do your research.
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She said: “If you’re planning significant home renovations such as knocking down walls, roofing, fitting a new bathroom or anything that requires approval or permission, it’s vital to let your insurer know beforehand. Failing to disclose changes could impact your cover.
“If you’re planning on using AI for inspiration for your DIY home improvements, Kara suggests including information such as your budget, level of skill and building restrictions in as much detail as possible in the prompt you give the AI tool.
“This will help you to get the most out of AI and make sure you receive realistic and safe suggestions for your home renovation plans.
Follow Kara’s savvy advice before carrying out any renovations
Check your policy details
Before diving into any DIY, check your home insurance is up to date and you’re clear on what’s covered. Knowing the ins and outs of your policy is key to making sure your handiwork doesn’t accidentally void your cover.
Even more comprehensive home insurance policies that include accidental damage might exclude cover for poor workmanship or faulty materials. So, a claim for damage caused by DIY work, or for tasks such as plumbing or electrical work you’re not qualified for, may be denied.
Get clued up on what DIY work could affect your cover
Before you pick up a hammer, it’s crucial to know which DIY jobs could impact your insurance.
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Roof repairs – Fixing tiles or gutters might seem easy, but a DIY job gone wrong can cause leaks or even structural damage. Most insurers expect major roof work to be carried out by qualified professionals.
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Removing walls – Not checking if walls are load-bearing, or removing them without proper permission, could compromise the structure of the house – leading to potential safety hazards and extensive property damage.
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Plumbing work – Plumbing work, especially involving water supplies and drainage can lead to leaks or water damage if not done properly.
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Electrical work – DIY electrical work, like rewiring or adding sockets, can be risky and often falls short of safety standards. Faulty wiring is a major fire hazard and could void your insurance if it’s not done correctly.
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Adding outbuildings – Adding a shed, summerhouse, or garden office might boost your space, but it could also impact your home’s value and won’t always be covered unless it’s added to your policy. Make sure to update your buildings and contents insurance with your provider if you’re thinking of adding one.
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