How To Look At A House
McGarry and Madsen's home inspection blog for buyers of
site-built, mobile/manfuactured 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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Here’s links to a collection of our other blog posts about INSURANCE:
• Why is a fuse box/panel an insurance problem for homebuyers?
• How is Citizens Property Insurance different from other Florida homeowners insurance companies?
• Do I need a home inspection to get insurance?
• Is the 4-point insurance inspection strictly pass or fail?
• Is a wind mitigation inspection report (OIR-B1-1802) required for homeowners insurance in Florida?
• Which building permit date is used for the Building Code section of the wind mitigation form?
• What are the different roof deck attachment discount categories for a wind mitigation inspection?
• What determines the year of a house?
• What is the difference between a toe nail, clip, single wrap, and double wrap for the wind mitigation form?
• Should I give a copy of the home inspection report to the bank or insurance company?
• How do I get the hip roof discount for my homeowners windstorm insurance?
• How do I get my home ready for a four point inspection for insurance?
• Can I do my own wind mitigation inspection?
• Will a house without air conditioning pass a 4 point inspection?
• What’s the difference between a gable and hip roof for my insurance?
• Why does my homeowner's insurance want a four point inspection?
• What is the wind mitigation inspection for homeowner's insurance?
• Which water pipes are an insurance problem and possibly uninsurable?
• Why did I get no discounts or only a small discount from my wind mitigation inspection?
• Why does my homeowner's insurance want a roof inspection?
• Is it common for an insurance company to require an inspection?
• How do I get insurance if my home can't pass a 4-point inspection?
• How does a repaired sink hole under a house affect its market value?
Visit our INSURANCE page for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles.
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