When you hire a contractor to perform work on your home, you expect that he or she will improve your home, not make it worse. Unfortunately, despite a contractor’s credentials and guarantees, what you expect is not always what you will get.
It is not unheard of to hear about contractors whose craftsmanship falls far below professional standards. It is also not uncommon for contractors to cause damage to customers’ homes, sometimes to the point where the homes become unlivable. If you have a bad experience with a contractor, you may wonder if your homeowners’ insurance will pay to correct the issues. According to Allstate, homeowners’ insurance will kick in in select few scenarios.
When a contractor causes an accident
If a contractor causes an accident in your home, such as a flood or housefire, your homeowner’s insurance may cover the resulting damage. However, there is a strong likelihood that your insurer will attempt to collect reimbursement from the contractor’s insurer. For this reason, it is a good rule of thumb to make sure that contractors have adequate insurance before you give them permission to begin work on your home.
When poor workmanship results in certain damage
You cannot file a homeowner’s insurance claim for poor workmanship that a contractor performs. In these cases, your only option of recourse would be to approach the contractor for redress. However, if the poor workmanship results in damages that your homeowner’s insurance policy would typically cover, you may have a claim. For instance, if you hire a plumber to fix leaky pipes and he or she ends up making them worse, your insurance policy may cover the cost to repair the water damage. However, it would not cover the cost to re-repair the damaged pipes.
Unfortunately, homeowner’s insurance will rarely kick in when a contractor causes damage to your home. For this reason, the best thing you can do is ensure the contractor has sufficient coverage and that he or she has a solid reputation for performing quality work.