The fact still remains that the scope of the home owners's policy does
not include builder's errors. If they wanted a guarantee that the
builder would not have made any errors or used defective materials
they should have bought a rider that said it covered that.
This is as silly as putting in an insurance claim because your "30
year" shingles only lasted 20 years or trying to get an auto insurer
to pay for your bad transmission..
Why would you expect insurance to fix constuction problems? Replace my
stove because it was lemon? Pay to paint the house, as the weather
destroyed the paint after 15 years? You want insurance for bad
construction, you are going to have to pay for a policy for that. Not a
normal policy that covers accidents. Sue the builder and supplier and the
company that made the sheetrock.
Homeowner's insurance is to cover loss from certain damages and to cover
fire, theft, medical expenses if someone is injured on your property and
things of that nature. The coverage is very specific and is listed in the
There is nothing in the policy about defective materials in a house. They
are not denying coverage, you never had it and you never paid for it.
Insurance is a business transaction. You pay a premium for specific items
covered. Nothing inhumane about it at all.
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