During renovations or building works we don't cover loss, damage or legal liability including:

• Damage from cracking, collapse or subsidence caused by the works
• Storm, flood or water damage entering through openings in walls, roofs or unfinished areas (even if temporarily covered)
• Theft or damage through areas under construction that cannot be secured

We also don't cover legal liability for or caused by, connected with, or arising from building works where the total cost exceeds $50,000.

We don’t cover any new buildings in the course of construction.

There are certain building works you must tell us about. See 'When you must contact us' in the GIO Home & Contents Insurance PDS for details.