Understanding Insurance Coverage for Contractor Damage in Kenya
Introduction: Picture this: you’re sitting at home, sipping your morning coffee, when suddenly, you hear a loud crash from the kitchen. You rush in to find your contractor has accidentally knocked over a load-bearing wall, causing significant damage. Your immediate thought? “Does my insurance cover this?” The answer isn’t as straightforward as you might hope. In this article, we’ll delve into the intricacies of insurance coverage for contractor damage in Kenya, providing you with the information you need to navigate this tricky situation.
- Understanding Your Insurance Policy: The first step in understanding if your insurance will cover contractor damage is to know what your policy includes. Most standard home insurance policies in Kenya do not cover damage caused by a contractor’s negligence or poor workmanship. However, they may cover damage caused by a sudden and unexpected event, such as a contractor accidentally knocking over a wall. It’s crucial to read your policy carefully to understand what is and isn’t covered.
- The Role of Contractor’s Insurance: In Kenya, many contractors are required to have insurance to cover any damage they may cause while working on your property. This is known as Contractor’s All Risks Insurance (CAR). This policy covers damage to the property and third-party injury or damage claims. If a contractor is found to be negligent or responsible for the damage, their insurance should cover the cost of repairs.
- The Importance of Due Diligence: Before hiring a contractor, it’s important to do your due diligence. Check if the contractor has a valid license and is insured. You can ask to see their insurance certificate and even contact the insurance company to confirm the details. This will help protect you in case of any damage during the construction process.
- Filing a Claim: If your home is damaged by a contractor, the first step is to notify your insurance company as soon as possible. They will guide you through the claims process, which may involve providing evidence of the damage and the contractor’s negligence. If the contractor’s insurance is involved, they may handle the claims process on your behalf.
Conclusion: Dealing with damage caused by a contractor can be stressful, but understanding your insurance coverage and the role of the contractor’s insurance can make the process a little easier. Remember, prevention is better than cure. Before starting any construction work, ensure you have the right insurance coverage and that your contractor is insured. If you’re in the market for insurance, consider exploring the top insurance companies in Kenya for the best coverage. And if you’re looking to buy insurance cover in Kenya, make sure to do your research and choose a policy that meets your needs.
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