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Will homeowners insurance repair structural issues due to a poor builder?

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2005-07-09 22:34:18
2005-07-09 22:34:18

No. Specific exclusions apply to faulty construction, workmanship, renovations, ect. //

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No, your homeowners insurance does not cover AC maintenance issues. however, depending on the type of policy you purchased, it may cover resulting structural damage after you have completed the necessary repairs to your AC system.

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No. Your homeowners policy does not cover appliance maintenance issues or degradation due to normal wear and tear

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Probably not. Homeowners usually do not pay for damage caused by pets, wear and tear nor common maintenance issues.

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The general theory or principle of homeowners insurance as it pertains to the structure itself is to repair or replace it to its pre-loss condition. It does not cover issues that are caused by deferred maintenance. Coverage for Structural integrity and quality of workmanship issues are generally addressed under the Buyers Home Warranty offered through the realtor at the time of purchase. However, there are limitations to what the warranty will cover; the one we purchased would not cover appliances for 60 days after purchase.

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