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When contractors damage property, what do you do? How do you hold them responsible? If your property is damaged, you might be entitled to damages compensation. If the contractor is licensed, he should carry Insurance, which may help you get the money back.
If not, you may be forced to take them to court and lose your money. Check with your contractor to make sure they have insurance coverage, and find out if you have homeowners insurance that covers contractor liability.
How Do I Handle Claim When Contractors Damage Property?
A contractor will most likely repair minor damage for no additional cost. It would help if you did not ask for help from a general contractor with a good reputation for honesty.
Before you file a claim against contractors, speak with the project manager. The deductible amount and any history with filed claims will determine whether the contractors will pay for damage to your home.
If the company does not want to go through its Insurance, the project manager will file the claim with supporting documentation. The project manager must have all documentation related to the property damage. You must provide receipts for repair bills and expenses for materials.
What Happens if the Contractors That Damaged my Property Deny Responsibility?
You can file a civil suit against the general contractor to seek monetary damages if they refuse to admit fault for damaging your home. You could end up in small claims court or before a civil judge.
Although you can contact the insurance company directly, if you decide to take this route, you will need the support of a skilled construction defect lawyer. Insurance companies have access to experienced litigators who can fight against expensive insurance claims.
Which Insurance Company Pays For Damages?
Your homeowner’s policy will determine which insurance company pays for your property damage. Your homeowners’ policy will determine which insurance company pays for your when contractors damage property. Your policy may pay for the damages if you have homeowners’ coverage. Your policy will also limit the damages.
Your insurance company may cover the following scenarios:
- Accident coverage. Most homeowners have accident coverage. This is usually included in their insurance policies. It kicks in when contractors damage property. Accident coverage covers damages from accidents. This includes fires, water damage, and structural damage.
- Property damage. Important to understand that insurance companies will not cover property damage caused by unsightly or poorly constructed work. Insurance will not cover roofing damage if it isn’t correctly assembled or has begun to show signs of wear. You don’t usually have a claim for property damages if the damage is not due to faulty artistry.
- Your coverage limits cover the damages. Before hiring a contractor to do any work for your home, it is essential to review your insurance policy. This is because insurance policies will cover damage to your home during a remodel. It does not cover damages caused by an addition or a single project. Know your coverage limits before you start any project.
What Happens if a Contractor Doesn’t Have Insurance?
The liability insurance provided by a contractor you hire to make your home improvements might not cover the damage costs. Although you can sue an uninsured general contractor for damages, the process can take months to complete. Your homeowners’ insurance policy may allow you to recover some of the damages to your home.
What Does a Construction Defect Attorney Do?
A contractor can cause severe damage to your house and vehicles, leading to financial ruin. It should be on your priority list to hire an attorney. A state-licensed lawyer for construction defects might be enough to get the insurance company to speed up your claim.
An experienced construction defect lawyer will conduct a thorough investigation to determine whether the general contractor has committed any acts of negligence. We mentioned that not all construction accidents can be attributed to the general contractor.
Your lawyer for construction defects will try to negotiate a fair settlement with the contractor or company’s Insurance. Your attorney may file a personal injury suit if a construction defect has injured you or someone you love.
Your lawyer will monitor your claim as it progresses through the insurance company’s systems. Morgan & Morgan has a construction defect lawyer who will argue your case before a judge if your case is brought to trial for negligence. Your lawyer will cross-examine witnesses who were called to testify on behalf of the construction company.
How do I Find The Right Construction Defect Lawyer?
It might be tempting to ask, “How can I find the best construction defect lawyer for my property damage case?”. Here are some factors that will help you determine the legal qualifications of a construction defect attorney.
It is essential to hire a skilled construction defect lawyer with a track record of successfully litigating construction defect cases. Experienced attorneys know how to calculate settlement value and negotiate with construction companies’ Insurance.
Experienced litigators build long-lasting professional relationships with the judges and attorneys working for the insurer. When arguing your case before a judge, experience is also essential.
Focus Area of Expertise
Construction defect lawyers are a niche in the legal field. An attorney specializing in construction defect cases should be your choice. While a law firm may claim to have at most one construction defect lawyer on staff, the attorney you choose will specialize in another area of law when it comes to handling your case.
You must get prompt responses from the construction defect lawyer you hire. You can be angry and frustrated when dealing with the property damage caused by a contractor. Unresponsive lawyers can only compound your anger and frustration. Before you meet with an attorney for a free evaluation, it is essential to understand how responsive they are.
Positive Feedback From Clients
You should find many positive reviews on sites like Yelp or Google for established construction defect lawyers. A lawyer should have a good reputation for helping clients recover monetary damages and negotiating favorable settlements.
To Sum up!
In most cases, if you have renovations and the contractors‘ damaged property, this should be covered by its general liability insurance. Some issues could result in your insurance being canceled. You can reduce your risk by hiring licensed contractors and asking for their insurance details before they begin work.