Subject: Contractor Insurance Claim Inquiry
Hello! We recently had a contractor replace all our doors and windows, but instead of using stucco or plaster, they filled the gaps with tile grout. As a result, the surfaces are extremely uneven, with some windows and doors protruding up to 2 inches farther than the surrounding walls. We’ve had painters and stucco specialists assess the situation, but many won’t take on the project, citing that the work was improperly executed. They’ve suggested various solutions, but all agree that we need significant repairs before any painting or stucco work can be done. Can this issue be submitted as a claim to the contractor’s liability insurance? Thank you!
Yes, it is possible to submit a claim to the contractor’s liability insurance based on the situation you’ve described. If the installation of the doors and windows was not done according to industry standards or building codes, and the use of tile grout instead of the appropriate materials has resulted in significant issues, you may have grounds for a claim.
Here are the steps you might consider taking:
Document Everything: Collect all relevant documentation, including contracts, photos of the work, and statements from the painters and stucco companies describing the problems. This will help substantiate your claim.
Review Your Contract: Check the contract you signed with the contractor to see if there are specific clauses regarding workmanship and materials. This will be important in demonstrating that the work did not meet the agreed-upon standards.
Get Professional Assessments: If possible, obtain written assessments or estimates from qualified contractors who can explain the issues and the necessary repairs in detail.
Contact the Contractor: Before filing an insurance claim, it may be beneficial to contact the contractor directly to discuss the issues and see if they are willing to rectify the situation.
File a Claim: If the contractor is unresponsive or unwilling to fix the issues, you can proceed to file a claim with their liability insurance. Be sure to provide all documentation and keep records of all communications.
Consider Legal Advice: If the situation does not resolve, you may want to consult with a lawyer who specializes in construction disputes to understand your options further.
Keep in mind that insurance claims can be complex, so being prepared with all your information and evidence will be crucial. Good luck!