Thursday, March 15, 2007

Construction and Property Damage

I recently acquired new clients who sustained severe property damage to their home. The insurance companies are denying their claims and they are quite frustrated in trying to get reimbursed for their damages. The main problem in proving their damages is that they are having trouble proving that the damages that occurred as a result of the other parties' actions. Hindsight is a wonderful thing, and the clients wish that they had taken pictures and documented the condition of the house before the work started.

This made me realize that it is in a homeowner's and the contractor's best interest for the parties to document the condition of the house before work begins. In landlord-tenant law, the landlord is required to provide the tenant with a "Statement of Present Condition" in order to collect on the security deposit if there are damages at the end of the tenancy. If a homeowner is going to make claims against a contractor, it would be worthwhile to establish the condition of the premises at the beginning, so it will be easier to prove new damages later on. The homeowner should therefore take some pictures, and do a walk through with the contractor and note down problematic areas before the work begins That way, the contractor will be protected from unfair claims as well.


At 9:31 PM, Anonymous Anonymous said...

Recently a contractor for one of my neighbors damaged my driveway. It's a long story, but essentially the contractor is avoiding me and avoiding paying for the damages he caused. I have video of his construction equipment parked on my driveway, and I have noticeable damage to my driveway in the very spots his equipment was located, but I have no way to prove the damage wasn't preexisting. I think, in my case, logic alone will allow me to prevail in litigation if it gets that far. But I'm not certain how a judge interprets the data presented before him/her.

At 10:08 AM, Anonymous Anonymous said...

In the case that Anonymous just described, are the owners of the property who hired the negligent contractors legally required to cover the costs of the damage since the contractors' insurance company won't pay?

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Checking what the liability insurance covers is crucial, many contractors can get 'cheap' GLI and is limited to certain work being preformed,BEFORE ANYBODY HIRES A CONTRACTOR take an hour to check their license, call their bond co. to see if there are any claims on the bond (past or present) and check insurance coverage, make sure they have adequate GLI coverage for the type of work to be performed, make sure they have Work. Comp.

Check with the Department of Insurance, make a claim against the insurance co. that's refusing to pay, if that does not work...

you may be able to get their bond co. to pay, its worth attempting, if not small claims.

I'm in California

At 5:17 AM, Anonymous Jhon smith said...

really helpfuk information for insurance purpose...
thanks for sharing...

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At 2:28 PM, Blogger PBandJ said...

We had a roof put on our home after a storm and did all of our homework-despite that and a "passed" final inspection from our city, the roofer "forgot" to install vents in the rear of our two-story house and roofed right over the vent holes! Three years later frost caused major moisture damage, so the company came and installed a couple of the missing vents, but missed the existing holes. Now the city "pulled" the final inspection, the Mn Dept. of Industry "zapped" a $25,000 fine on the company, we have spent over $8,000 to get the company's insurance to fix our house. They admitted guilt, admitted damage, but claimed it was "pre-existing". Nowhere on adjustor's reports city inspections, or even by the company itself is anything mentioned about this, nor was there any damage (we've lived here since 1984) -we are broke and in limbo.

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