If you're having construction work performed on your property in North Carolina, you may have liability on your mind. For instance, what happens if a contractor damages your home while performing work? While insurance coverage can be key in this case, there may be instances where your policy fails to provide compensation for damage that has occurred. Allstate provides information on what you can do when your home is harmed during repairs or renovations.
When Work Is Poorly Performed
In most cases poor workmanship is not covered by homeowner's insurance policies. Faulty workmanship includes things like not installing a roof correctly or electrical wiring mistakes. While your insurance company may not elect to provide funding, you can pursue the contractor for damages. You may request that any problems are fixed with no charge to you as well as compensation for any further damage caused.
When Damage Results From Repairs
While poor workmanship isn't covered, subsequent damage may be. As an example, if a plumber performs repairs which eventually cause water damage, you may be covered for the water damage but not the faulty plumbing job. However, the resulting harm done to your home must already be covered by your policy in order for you to be compensated.
When a Contractor Causes an Accident
Should your contractor inadvertently cause an accident in your home that results in damage, your insurance company may provide compensation or request that the contractor does so. This highlights the importance of hiring a contractor with insurance. Otherwise, you may need to file a lawsuit to cover repairs in the event your insurance company refuses to pay for damages.