What Happens If You Hire a Contractor and Something Goes Wrong?

Hiring a contractor can make a major home project easier, but accidents, property damage, and disputes can happen even when you choose a reputable professional. Knowing how your insurance may respond before work begins can help you make informed decisions.

Check the Contractor’s Insurance

Before allowing work to start, ask the contractor for proof of insurance and verify that the policy is current. Indiana’s licensing requirements can vary by community, and some contractor licensing processes require proof of insurance and workers’ compensation coverage. Checking credentials and insurance documentation can provide an important layer of protection.

Know What Your Policy May Cover

Your home insurance may provide protection when covered damage occurs to your property, but whether a contractor-related loss qualifies depends on the circumstances and the terms of your policy. 

If something goes wrong during a project in Plainfield, IN, document the damage immediately with photographs or video and contact your insurance company or agent. Indiana’s Department of Insurance advises homeowners to document damage and avoid permanent repairs until the insurer has had an opportunity to inspect it.

Work With Gill Insurance Advisors 

Contractor-related incidents can raise questions about responsibility, policy terms, and the contractor’s own insurance. Your home insurance policy should be reviewed before a significant renovation or repair project begins, particularly if the work could change your home or increase potential risks.

Gill Insurance Advisors serves customers in Plainfield, IN, and can help you review your home insurance and discuss questions you may have before hiring a contractor. Contact us for more information about your policy and the insurance considerations that may apply to your project.