What happens if a contractor damages my neighbor's property?

If a contractor damages your neighbor's property while working on your home in Ottawa, the contractor's liability insurance should cover the damage - but you need to verify they have proper coverage before work begins.

When you hire a contractor in Ottawa, they should carry comprehensive general liability insurance (typically $2 million minimum) that covers property damage to third parties, including neighboring properties. This insurance protects against scenarios like:

• Construction debris damaging a neighbor's roof or siding
• Heavy equipment accidentally hitting a neighbor's fence or driveway
• Water damage from plumbing work affecting adjacent properties
• Tree removal that damages neighboring structures

Before Any Work Starts in Ottawa:

Always request and verify your contractor's insurance certificate directly from their insurance company. Don't just accept a photocopy - call the insurer to confirm the policy is current and covers the work being performed. The certificate should list you as an additional insured party, which means you're protected if claims arise.

You should also verify the contractor has valid WSIB coverage through wsib.ca/clearances. This protects you from liability if workers are injured on your property and potentially cause damage while seeking medical attention.

If Damage Occurs:

Document everything immediately with photos and contact information. Notify your contractor right away - they should contact their insurance company to file a claim. The insurance company will typically send an adjuster to assess the damage and work directly with your neighbor.

If your contractor doesn't have insurance or refuses to file a claim, you could be held liable as the property owner who hired them. This is why verification upfront is crucial in Ottawa's tight housing market where properties are close together.

Red Flags to Avoid:

Never hire contractors who can't provide current insurance certificates, especially for exterior work in Ottawa's established neighborhoods like the Glebe, Westboro, or Sandy Hill where homes are closely spaced. Contractors who say "don't worry about insurance" or offer significantly lower prices because they're "saving on insurance costs" are major red flags.

Your Protection:

Contact your own home insurance company to understand your coverage. Some policies include limited protection for contractor-caused damage to neighboring properties, but this varies significantly.

For major projects like additions or exterior renovations, consider requiring your contractor to carry higher liability limits ($5 million) given Ottawa's property values and density.

Official Resources:

• Insurance Bureau of Canada: ibc.ca


• City of Ottawa Building Services: 613-580-2424


• Ontario Consumer Protection: ontario.ca/consumer

The key is prevention - verify insurance before signing any contract in Ottawa.