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No!! It is highly illegal for you to do this. When you make a claim on you home insurance for something that was the fault of your contractor you sign over all subjugation rights against this contractor to your insurance company. This means that if your home insurance pays any part of this claim you give them all your rights to go after the contractor, which they will do. They will go to the contractor and their insurance company to get reimbursed for any amount they paid plus costs. In most states it is considered insurance fraud for you to even try to collect damages from two places for the same claim.

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Q: Can I accept property money damages from both my contractor's insurance co and my homeowners insurance?
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Related questions

Will homeowners insurance cover the damages to a uninsured vehicle on the property?

No, homeowners insurance excludes vehicles.

Is the theft of a dog insured by homeowners policy?

No, homeowners insurance is Property Insurance, it does not cover loses or damages resulting from our choice of pet ownership.

Does homeowners insurance cover rental property damages?

No, you would need to purchase an Insurance policy for your Rental Property. Sometimes referred to as landlords Insurance.

Does homeowners insurance cover the cost of cleanup after an unattended death?

No. Your Homeowners insurance is "Property" insurance. It covers property damages caused by certain covered Perils such as Fire, Wind, Hail, Lightning, Fire etc. You will not find coverage on your Home Insurance Policy for death or related expenses.

Whose insurance is responsible if a tree on your property falls and damages another person's vehicle during clear weather?

Weather doesn't matter. Your HomeOwners Insurance would be responsible for those damages.

Does homeowners insurance cover the root cause?

No. homeowners insurance covers resulting damages of the covered perils.

Are we able to cover one of our Contractors for a few days on our insurance?

If your referring to your homeowners or property liability insurance, No. Hired workers are not covered under your home insurance policy. Contractors are expected to provide the necessary coverage for the risks involved with their chosen profession. Most people are wise enough to select a contractor who can demonstrate they are competent in their field. Having adequate insurance to cover the activities of their workers as well as any potential damages to your property are just one sign of competency that consumers look for.

If I have an oceanfront property that is destroyed by wind and waves from a hurricane and have no flood insurance will my homeowners policy cover it?

you would need to prove wind damages - consider hiring an engineer. Waves is the same as flood and excluded by homeowners insurance.

Where can one find information on condo insurance?

Condo insurance can be purchased at the same places that sell homeowners insurance and will cover the costs of your property inside your condo and will pay for damages incurred.

Will homeowners cover an unregistered vehicle that hit mine on your own property?

No, Homeowners insurance does not provide comprehensive, collision nor liability insurance for your vehicles. Now if somebody's vehicle hits your house, your home insurance would cover the damages to your home.

Can you be sued for not having homeowners insurance and my neighbors property is accidentally has fire damage due to a fire on my property?

absolutly, and he can take everything you have if you don't have enough to pay his damages!

Can an injured party include a homeowners insurance company in a claim to recover damages for personal property destroyed in a fire in the state of Idaho?

Homeowners Insurance is specific to the property of the named insured(s). It does not matter what state your in. If you are a third party not named on the Home insurance policy, then you nor any of your property would be covered and you would not have a valid claim.