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No.

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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Decennial insurance, also known as latent defects insurance, is a type of insurance policy that covers structural defects in a building for a period of ten years after construction is completed. It protects against the financial consequences of defects that may compromise the integrity or stability of a structure. It is commonly required in some countries to protect against long-term construction risks.


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YES! Older homes are much more likely to have defects (such as frayed electrical wires) or suffer from fire or water leaks. You will be much safer with homeowners insurance in an older home versus a new one.


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If you don't disclose the damages to the buyer, yes. If vehicle has defects you can sell( as is ) on invoice on your ad for sell


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Does homeowners insurance coverage damage to swimming pool liner from the chemicals added?

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No, your homeowners insurance provides coverage for certain unexpected losses, such as wind, hail, fire lightning etc, but it does not provide warranty coverage for the work of a builder or contractor. That is covered under the home warranty you would have been offered when you purchased the home. Think of it in the same terms as an Auto Insurance Policy. Your auto insurance will cover damage from an accidental loss but it does not provide nor warranty for defects in the manufacture of that vehicle. It's pretty much the same with house insurance, the company will cover certain damages to your home as outlined in your policy, but a home insurance policy does not warrant any thing that occurred before you bought the property including it's method of construcion, it will not pay for poor workmanship on the part of the builder.


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Title insurance is insurace for financial loss as in real property, also known as title, defects. They provide money to you so you can get rid of these defects rather that using your own money. http://en.wikipedia.org/wiki/Title_insurance_in_the_United_States