Faulty Workmanship Exclusions And Coverage From Insurance Companies

It is very important for you to take the time to read the insurance policy of your renter or your homeowner. Not only should you take the time to get to know which types of damages are excluded in your policy, but you need to know the limit recovery of all the things that are said to be covered in your policy. What most people dont know is that most insurance policies will not really cover the fixing of faulty workmanship or any other damage that may have been caused by it. This is the same thing that is going to apply if the same damage that is faced was brought about by a faulty workmanship.


Faulty workmanship can best be described as the installation or building that is either not done in the right way, or one that is simply done poorly. You may start seeing signs of faulty workmanship from buckling walls, a leaking roof or a poor wiring system. An insurance policy may not cover the costs that come with the repairing of problems that are brought about by this. Another thing that you should know is that your insurance company is also not going to cover you for any shady work or losses that may be as a result of faulty or poor workmanship. This is still the case even if you may have been covered for something that is still under the same policy, if it is attributed to a faulty workmanship, then you may still not be able to recover any of your losses.

This can end up been extremely frustrating especially when you think of how much you put your money and your effort into it. Another scenario whereby you could end up not been compensated is when you discover a mold in your roofing system and then submit a claim. This claim could end up been denied if the insurance company finds out that the mold as caused as a result of a leak which was brought about by a roof that was poorly installed. In some cases, the workmanship may not be the problem but if the materials that were used were defective or substandard, then this could end up been a huge problem for you.

Due to all the above reasons and all the stress that tend to come with it, it is highly advisable that you only higher a certified, insured and skilled contractor to do any work for you in your house. This is especially so when it comes to your roofing system since you may end up paying a lot of money in repairs trying to fix something that you could have been able to easily avoid. Take the time to find out the kind of warranty that they offer with the labor and products that they offer. Making the decision to do your own fixing or repairs or simply hiring a friend mainly because you do not want to pay more may end up costing you more than you can imagine.