Does Homeowners Insurance Cover Defective Construction?

Posted on February 13, 2023


Long Nguyen | author

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ICHQ | Site Author

Homeowner’s insurance is designed to protect your home and personal property from a variety of risks, such as fire, theft, and liability. However, many homeowners are unaware of the coverage available to them when it comes to defective construction. 

If a home builder or contractor has performed construction improperly, it can make a building more susceptible to damage. In this article, our homeowners insurance claim attorneys will explain the common faulty workmanship exclusion found in most policies and note any situations where readers can still pursue a claim.

Will Your Homeowners Insurance Company Cover Faulty Workmanship?

Some homeowners insurance policies will cover damage caused by poor workmanship or materials used during the construction or renovation of your home. This includes damage from leaks, mold, and structural defects. 

However, it is important to note that policies may have different definitions for what constitutes faulty design or workmanship. Therefore, it is important to review your policy and understand what is covered.

Exclusions in homeowners insurance policies

While homeowners insurance may cover property damage caused by faulty workmanship, it may not cover the faulty workmanship itself. For example, cleaning up damage from a roof leak made by poor construction could be covered, but not fixing the roof for the way it was built.

Should You Sue or File a Homeowners Insurance Claim?

While it is always possible to sue the contractor who performed the faulty work, it is important to understand that suing a contractor can be a long and costly process. It is also important to keep in mind that many contractors are protected by insurance policies that limit their liability in the case of faulty work. 

In addition, it may be difficult to prove that the contractor is responsible for the defects, and even if you win the case, collecting the damages can be difficult. Instead, many homeowners choose to file a claim with their insurance company in order to get the compensation they need to repair the damage.

Contact the Homeowners Insurance Claim Attorneys at Insurance Claim HQ

At Insurance Claim HQ, we understand that dealing with construction defects and homeowners insurance claims can be overwhelming. That’s why we’re here to help. Our team of experienced attorneys can help you navigate the process and get the compensation you deserve. Contact us today to schedule a consultation and protect your rights as a homeowner.

Construction Defect FAQs

What’s considered a defect in a house?

Defects affect the structural integrity of the home. Alongside poor workmanship as a potential cause, defects can be from the materials selected or an unpredictable incident.

What are signs of defective construction?

Look out for water intrusion, cracks in concrete, and an unstable subsurface to tell if your home may be affected by construction defects.