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 include water damage from a plumber's mistake, fire damage from electrical work, or structural damage from construction errors. However, coverage usually excludes poor workmanship itself - meaning if a contractor does shoddy work that needs to be redone, that's typically not covered.

What's Usually Covered vs. Not Covered

Your insurance will likely cover consequential damage - for example, if a contractor accidentally breaks a water pipe and floods your basement, the water damage would be covered. But if that same contractor installs flooring poorly and it needs to be replaced, the faulty installation itself wouldn't be covered.

Most policies also cover theft of your property by contractors or their workers, and some include coverage if contractors damage your belongings while working.

Steps to Take in Ottawa

If contractor damage occurs, document everything immediately with photos and videos. Contact your insurance company right away - most Ontario insurers have 24/7 claim reporting. Get a copy of the police report if theft is involved.

Crucially, verify that your contractor carries proper insurance before work begins. In Ontario, legitimate contractors should have:

• WSIB clearance certificate (check at wsib.ca/clearances)


• General liability insurance ($2 million minimum recommended)


• Proof of licensing where required (ESA for electrical: esasafe.com, TSSA for gas work: tssa.org)

Protecting Yourself Before Problems Occur

The best protection is hiring properly insured contractors. Always request and verify current insurance certificates before signing contracts. For major projects in Ottawa, consider requiring that your contractor add you as an "additional insured" on their policy.

Check that electrical contractors are ESA-licensed and gas technicians are TSSA-certified. For any work requiring City of Ottawa permits (613-580-2424), ensure permits are properly pulled - this provides additional oversight and protection.

Keep detailed records of all contractor agreements, permits, and communications. If using your insurance, be aware that claims can affect your premiums and claims history.

For disputes with contractors in Ottawa, contact Ontario's Consumer Protection office or consider the Ontario New Home Warranty Program if applicable. The key is verification upfront - properly licensed, insured contractors are your best protection against both damage and coverage disputes.