Work installed to code is either extremely reliable or fails in a safe and non threatening way. One of the reasons single trade contractor liability is very inexpensive. Mostly I only expect them to defend me from crazy and unjust, false claims, not payout for work I performed.
Has not happened to me but the general expectation is the insurer will use any reason to not pay. Took 1 1/2 years to get reimbursed for my mailbox that got hit even with the driver self reporting the accident. I suspect even doing work with no permit may void the insurer's coverage as illegal work. It's worth checking that regarding service and repair calls, where they draw that line. The insurer knows that answer.
Has not happened to me but the general expectation is the insurer will use any reason to not pay. Took 1 1/2 years to get reimbursed for my mailbox that got hit even with the driver self reporting the accident. I suspect even doing work with no permit may void the insurer's coverage as illegal work. It's worth checking that regarding service and repair calls, where they draw that line. The insurer knows that answer.
