You might want to really do a careful read of your policy, because almost all of them have provisions about requiring work to be completed by licensed tradespeople.
I have my doubts that such a thing exists outside of extreme circumstances or internet commenters' imaginations.
Insurance for damage due to building works is separate and required to be carried by the principal contractor for work over $20,000.
Which is to say, if I don't check they actually hold a policy, the residential insurance is not going to pay out.
I am extremely skeptical you have interpreted those policies accurately. For example, the one above doesn't require anything of anyone renovating stuff: but it also just won't pay for any associated damages.