How To Look At A House
McGarry and Madsen's home inspection blog for buyers of
site-built, mobile/manufactured and modular homes
Could faulty work or lack of a building permit for home improvements cause an insurance company to deny a claim?
Friday, June 22, 2018
While there are plenty of good reasons to have any improvements to your home done with a building permit by a licensed professional, the possibility of a denied insurance clam because of incompetent or non-permitted work is not one of them. Insurance companies pay for perils listed in the policy, such damage from an electrical fire or plumbing leak, even if shoddy work resulted in the damage.
We occasionally hear stories to the contrary, but they appear to be the stuff of urban legends and there is no confirmed incident we know of. The insurance company will likely subrogate (go after) the person who did the improperly performed or non-permitted work and possibly cancel the homeowner’s policy, but it will not affect payment of the claim.
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