Can I make a claim on my home insurance for contractor damage?

Yes, you can typically make a claim on your home insurance for contractor damage in Ottawa, but coverage depends on your specific policy and the type of damage that occurred.

Most standard homeowner's insurance policies in Ontario include coverage for "sudden and accidental" damage caused by contractors working on your property. This might cover situations like a contractor accidentally breaking a pipe that floods your basement, damaging your electrical panel, or causing structural damage during renovation work.

What's Usually Covered

Your home insurance may cover contractor damage if it's sudden and accidental - like a contractor accidentally putting a nail through a water pipe, breaking a window, or damaging your hardwood floors while moving equipment. The key is that it must be unintentional damage, not poor workmanship or gradual deterioration.

What's Typically NOT Covered

Insurance generally won't cover poor workmanship, incomplete work, or damage that develops over time due to improper installation. For example, if a contractor installs a window incorrectly and water damage appears months later, that's usually considered a workmanship issue rather than an insurable event.

Steps to Take in Ottawa

First, document everything immediately with photos and written descriptions. Contact your insurance company right away - most have 24/7 claim reporting lines. Get a copy of the contractor's insurance information, including their WSIB clearance certificate and general liability coverage.

If the contractor is properly insured, their liability insurance should be the first line of coverage for damage they cause. However, your home insurance can provide backup coverage and may help coordinate with the contractor's insurer.

Protecting Yourself Before Work Starts

Before any contractor begins work in Ottawa, verify they have current WSIB coverage at wsib.ca/clearances and ask for proof of general liability insurance (minimum $2 million is standard). A properly insured contractor should have coverage for damage they cause to your property.

Contact the City of Ottawa Building Code Services at 613-580-2424 to confirm any required permits are in place. Unpermitted work can sometimes complicate insurance claims.

Important Considerations

Review your policy's deductible - you'll need to pay this amount before coverage kicks in. Some policies have special provisions for contractor-related damage, so read your policy carefully or speak with your insurance broker.

Keep detailed records of all communications with both your insurance company and the contractor. If the damage is significant, consider getting an independent assessment from a qualified professional.

For contractor disputes beyond insurance coverage, contact the Ontario Consumer Protection office or consider mediation services. The key is acting quickly - both insurance claims and contractor issues are easier to resolve when addressed immediately.

Your insurance company will investigate the claim and determine coverage based on your specific policy terms and the circumstances of the damage.