House insurance - exclusion of damage by contractors - worrying ?

[icowden]

Any advice ?

Remember that the job of the insurance company is to exclude anything and everything that might involve them paying out...

 

[cougie uk]

I don't think it'd worry me.

 

[Profpointy]

I don't think it'd worry me.

Cutty Sark, Bristol Maths dept, Notre Damme catherdral - not unheard of is it

 

[JtB]

I think most insurers for this circumstance work on the basis that the contractor will be liable, and you should sue them, with their insurance paying out (or the contractor themselves if they don't have suitable insurance).

Not always the case, if you employ a fencing contractor for example and they damage an underground utility cable or pipe then they will probably deny liability unless you made them aware of it in advance. Who knows the location of all the underground utility pipes and cables on their property?

 

[slowmotion]

Cutty Sark, Bristol Maths dept, Notre Damme catherdral - not unheard of is it

Try this one........https://www.shutterstock.com/editorial/image-editorial/picture-shows-the-victorian-house-in-westbourne-park-road-notting-hill-w2-that-collapsed-when-builders-were-working-on-it-while-the-owners-were-away-house-collapse-story-one-minute-it-was-a-desirable-detached-three-storey-property-in-a-much-sought-2078845a