Layer our upgrade coverage on top of your homeowners insurance so you can restore your home and modernize it at the same time.
| 1,000+ verified homeowners | 🔒 Backed by Qixent | Available in 14 states | 24-hour claim response guarantee
RenovationUp is a service contract that works alongside (not instead of) your homeowners insurance. When your insurance approves a claim, RenovationUp adds up to $50,000 in extra coverage to fund upgrades.
Turn an approved property claim into an opportunity to modernize your home with premium finishes and smarter layouts.
Help your rental units recover faster and emerge more attractive with targeted upgrade funding after a covered loss.
Give buyers and sellers a way to handle post-closing surprises with an upgrade budget already in place.
Most homeowners policies are built to put you back to "pre‑loss" condition, not to redesign your home. RenovationUp is built for the better‑than‑before outcome
Standard homeowners insurance reimburses you for like-kind-and-quality repairs. RenovationUp sits on top of that, letting you direct upgrade dollars toward better materials, smarter layouts, and modern systems.
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CASE STUDY | 01
"I experienced roof damage due to a severe hailstorm. RenovationUp got me back into my house in 9 days!. They found a contractor, worked with the adjustor and got the damage fixed without me having to talk with the insurance company. Next time I'm also getting their upgrade package so that they'll pay the $6,795 and I won't have to pay it out of my own pocket"
Claim: $35,000 | Out-of-pocket cost: $6,795 | RenovationUp potential coverage: $7,000
CASE STUDY | 02
"My business suffered severe hail and wind damage. The repair estimate exceeded $300,000, but the insurance policy payout was limited to $178,000, leaving me to cover the remaining costs out of pocket. RenovationUp took very good care of me and were very professional. I didn't have their upgrade package so I missed out on an additional $50,000 budget from them. That's a mistake I won't make again. I highly recommend this service for the peace of mind it provides during times like these."
Claim: $300,000 | Out-of-pocket cost: $122,000 | RenovationUp potential coverage: $50,000
CASE STUDY | 03
"I had water damage caused by a leak from my first-floor shower. The damage was discovered later when it appeared on the main floor. The claim was adjusted for $38,000. During reconstruction, I decided to upgrade the old plumbing system to prevent future leaks, but the insurance only approved repairs to the damaged shower. The additional $10,000 upgrade cost came out of my pocket. RenovationUp would have paid me an additional $7,600 to offset those expenses. I'm getting their upgrade package."
Claim: $38,000 | Out-of-pocket cost: $10,000 | RenovationUp potential coverage: $7,600
CASE STUDY | 04
"Many times, customers face financial constraints even when a claim is approved. One of my clients experienced water damage and struggled to pay her deductible, so she postponed repairs. When reconstruction finally began, the contractor discovered mold, which doubled the scope and cost of repairs. The insurance carrier denied the mold claim because the damage wasn't addressed in a timely manner. Renovation Up's funding services, offered as an add-on to insurance coverage, would have been an excellent solution and could have helped my client avoid the situation she is facing now."
Professional recommendation for proactive coverage
CASE STUDY | 05
"My roof was damaged by wind. The insurance carrier approved my claim to replace the roof with the same type of shingles. My contractor suggested higher-quality shingles but I couldn't afford the $4,500 upgrade cost. I really wish I had signed up with Renovation Up before filing my claim. At least now I know I'll be covered for the future :)"
Claim: $22,000 | Out-of-pocket cost: $4,500 | Renovation Up potential coverage: $4,400
CASE STUDY | 06
"I had a kitchen fire due to an electrical issue. The insurance claim was approved for $62,000, which covered the repairs, but I was still responsible for an $8,200 deductible. Coming up with that amount while displaced from my home was extremely stressful. If I had RenovationUp before the loss, my deductible would have been covered, and I could have focused on recovery instead of finances."
Claim: $62,000 | Out-of-pocket cost: $8,200 | Renovation Up potential coverage: $12,400
CASE STUDY | 07
"I had a burst pipe during last winter that caused a lot of damage. The insurance approved $44,500 for repairs with builder-grade materials. It was a cost of $6,000 to get more durable flooring to prevent future damage. I couldn't afford the difference so I got the less durable flooring. I'm getting RenovationUp so that next time I can rebuild smarter, not just cheaper."
Claim: $44,500 | Out-of-pocket cost: $6,000 | Renovation Up potential coverage: $8,900
CASE STUDY | 08
"A windstorm caused extensive damage to my retail storefront. The insurance payout covered structural repairs, but signage, interior upgrades, and code-related improvements weren't included. I ended up paying nearly $12,000 out of pocket, which delayed reopening my business. I'm getting RenovationUp to bridge the gap and reduce downtime next time."
Claim: $96,000 | Out-of-pocket cost: $12,000 | Renovation Up potential coverage: $19,200
CASE STUDY | 09
"After a house fire, the adjustor didn't fully cover local code upgrades. I had to pay $9,500 to meet updated electrical and safety requirements before work could continue. I wasn't prepared for that expense. RenovationUp would have given me a $23,600 renovation budget. I would have been able to do the code upgrades and I would have updated other parts of my house with $0 out of my own pocket! I'm getting RenovationUp as soon as They're available in Arizona"
Claim: $118,000 | Out-of-pocket cost: $9,500 | Renovation Up potential coverage: $23,600
CASE STUDY | 10
"My sump pump failed during heavy rain and my basement flooded. The claim was approved for $42,000 with a $5,000 deductible. It would have cost an additional $4,000 to upgrade to moisture-resistant materials. It was too expensive for me. This caused a lot of stress in my life. RenovationUp would made my out-of-pocket expenses go away and I would have been able to rebuild with better protection."
Claim: $42,000 | Out-of-pocket cost: $9,000 | Renovation Up potential coverage: $8,400
When water damage hits, restoration is just the start. Here are the top 5 upgrades homeowners choose with RenovationUp...
Read article →The timeline between claim approval and contractor scheduling can be tricky. Here's how RenovationUp streamlines that process...
Read article →RenovationUp supplemental funding is now available in Colorado, Indiana, and Pennsylvania, bringing upgrade opportunities...
Read article →Activate RenovationUp before disaster strikes to unlock upgrade funding on eligible claims.