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Does home insurance cover bad workmanship?
We had a repairman come fix an issue with our air conditioner. Everything seemed great until it broke again. We called another company and when they reviewed the damage, they said the initial repair was bad. Since we’ve now had to pay for the repair twice, would our home insurance cover bad workmanship?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear about the trouble you’re having! Home insurance typically won’t cover bad workmanship. Standard home insurance policies usually list faulty or bad workmanship under its exclusions.
Bad workmanship is typically excluded from coverage because it’s preventable.
Home insurance
companies believe that you should do your due diligence in finding a repair person or contractor. If you don’t, they won’t provide coverage. That said, your insurance company could cover damage that results from bad workmanship. While they wouldn’t cover the repairs to fix your AC, they may cover any damage surrounding it. For example, if there’s water damage in your home due to poor workmanship, your home insurance may cover anything damaged by it.
While coverage is unlikely in this case, it never hurts to review your policy terms and conditions or speak with your provider. If anything, you’ll gain a better understanding of your policy and can determine if it’s the best coverage for you.
If you decide to look for a new insurance company,
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can provide you with competitive quotes in under a minute. Swapping is just as effortless. To save even more money, Jerry can help you bundle your home and auto policies for maximum savings! View full answer
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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