A broken pipe in your 19th century Victorian B&B causes extensive water damage, ruining the ornate plaster ceilings and hand-carved crown moldings. You need an artisan to do the repairs – with custom materials. 

Standard insurance policies do not cover the extra costs associated with replacing historic features. Fireman’s Fund offers a > Historic Properties endorsement that covers the extra time, increased construction costs and other expenses needed to return a hotel to its former beauty.