Does home insurance cover poor workmanship by a contractor?

"I hired a friend of a friend to install some roof shingles at my house because he offered to do the job for a low price, plus my friend vouched for him. This was a big mistake. The work he put in is shoddy and unacceptable. Will my home insurance cover the cost to address this poor workmanship?

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Answer
“Unfortunately, most homeowners insurance policies are not going to cover poor workmanship by a contractor. It’s your responsibility to thoroughly vet the people you contract to repair and maintain your home.
However, your policy may cover damage that’s caused as a result of the work. So, for example, if a plumber improperly installed some pipes in your home and this causes water damage to your property, the water damage may be covered, but not the cost to fix the pipes themselves. “
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Alexah Grinnell
Answered on Apr 13, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
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