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If your house been built fairly recently, then the contractor who built your house may be lible for damages. If he is a licensed contractor, then he will (should!) be bonded, which should cover the damages.

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Q: Will homeowners insurance cover damages caused by structural defects?
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Does a homeowners insurance covers workmanship defects?

Homeowner insurance doe snot cover quality of workmanship provided by your builder. The builder would have his own Commercial policy to cover the contractors work. Most homeowners also purchase a Home Warranty for this type of loss.


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