What To Do If A Contractor Damages Your Property

​When you bring in a tradesperson for home improvements or repairs, the work must be of top-notch quality, and your property must be handled with respect.

Unfortunately, accidents caused by contractors are rarely covered under homeowner’s insurance. While they provide coverage for damages resulting from an act of nature, such as a storm or fire, and some liability claims, a contractor's sloppy artistry is rarely covered.

What Will Happen if Contractors Cause Damage? 
Contractors are obliged to ensure that their work is of the highest quality, so if they cause damage to your property, they are liable for repairs or replacements. If you have verified that they have liability insurance and a worker's compensation policy, it will not apply if they cause damage to your property while performing their work.

Instead, the extent of their coverage is limited to any damages resulting from their negligence or mistakes made by the contractor or their employees. To ensure that you are protected against repair costs, you should always make sure that the contractor agrees in writing to cover any damages they cause.

What If You Cannot Reach an Agreement With the Contractor?
If you and your contractor cannot reach an agreement regarding the repair costs, then there are other options available to you.

If unsatisfied, consider filing a complaint with your local better business bureau. You may call a legal professional to help resolve the disagreement or submit an official complaint directly to the contractor's insurance provider. Filing a complaint with the local better business bureau is usually free. It allows you to document your damage and provide evidence of any agreements between you and the contractor.

How to Assess the Situation and Talk to Your Contractors?
For the majority, finding the best contractor to hire can be an overwhelming experience. It comes with various considerations to ensure that the right personnel is hired for the job. If something goes wrong with the negotiation process, you must know what to do and how to talk to your contractors without pointing fingers and assigning blames.

It is highly recommended to assess the situation and openly discuss the issue to find possible solutions for damage control. A good contractor will be willing to work with you to resolve the situation.

Conclusion
Despite finding a contractor with an impressive reputation, there is always the possibility of them doing unsatisfactory work that can lead to severe and long-term damage to your home or business. Even if everything appears flawless on the surface, accidents can still happen.

At CSIS Insurance Services, Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (888) 501-2747. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!