What A Construction Defect Attorney Do For A Home Insurance Policy Holder?
Prior to discussing the role of a construction defect attorney, it is mandatory to understand what a construction defect is? A home is bought and the homeowner insures it to save its investment from being damaged by fire and natural calamities. Also the home is insured against the faults in its design. It is design related problems that are called construction faults in legal lingo.
A window that is not working properly falls under design fault but a homeowner cant ask for compensation for this fault. But if the faulty window is an indication of a major fault then the homeowner can ask the insurer to give compensation to fix the error. Design related errors can be fixed and some errors are so minor that they dont deserve compensation but some faults that need immediate attention. It is the latter issues that are dealt with the help of an attorney.
It is not necessary to call a construction defect attorney every time, you are doing renovation work but it is better to take his advice before filing a compensation suit. Your insurer might be a reliable company but it would want you file compensation suit in a systematic manner. Responsibility of proving the construction fault lies on you and the insurer would pay the compensation, it feels fit. First thing is proving that your home has design related fault and second thing is determining the compensation amount for the fault.
A construction defect attorney comes into the picture when homeowners need to communicate with their insurers. Insurance companies dont listen to the voices of home insurance policy holders is a bitter truth. Insurers take advantage of the ignorance and unawareness of the homeowners when selling home insurance policies. Insuring your home is a better idea but you should know what is covered under insurance and what is left out for you to take care of.
Only a construction defect attorney can read your home insurance policy statement as a lawyer knows the legal language. You can do mistakes in understanding your policy statement but a lawyer cant. The matter of your compensation suit would be derived from the policy statement. First thing is that the fault, for which compensation is sought, should be duly insured. If it is not is not then you have to prove that it is associated with the home insurance policy. It is a difficult job for a homeowner but a lawyer can make it simple.