Does a homeowner's policy cover fraud?

Asked about 1 year ago - Huntington Park, CA

If I hired a person who represented to me through false advertising of a business card he was a licensed contractor to do some work on my property, and he did it wrong and later the city tells me I need to correct the work to bring the property up to code, does a homeowners policy cover this cost I must pay to correct everything?

Attorney answers (3)

  1. Michael Raymond Daymude


    Contributor Level 20
    Best Answer
    chosen by asker

    Answered . "[D]oes a homeowners policy cover this cost I must pay to correct everything?" -- No. Your homeowner's policy may cover YOU for allegations of fraud but it will not not cover you when you make fraudulent allegations against someone else, i.e., the person you hired. In this circumstance, you must pay for and make the repairs. You have a claim against the other party which you may pursue in court. Good luck.

    SINCE 1974. My answers are for general information only. They are not legal advice. Answers assume California law.... more
  2. Sagar P. Parikh

    Contributor Level 19


    Lawyer agrees


    Answered . No, your policy won't cover that cost. You need to consult with a real estate/business attorney who can review the agreement you had with the contractor and either sue the contractor and/or contact the CSLB.

  3. Athina Karamanlis Powers


    Contributor Level 17

    Answered . Your insurance policy must be reviewed. No lawyer in this can give u a definite answer answer.
    We need to read your policy. As per Fraud by contractor you need a lawyer that is a fraud examiner knows the "ropes" and he/she can help u . some of us in avvo are fraud examiners and we can help u with your insurance and your fraud issues.

    Disclaimer:Attorney and Fraud Examiner.One of few that are Certified Fraud Examiners (CFE). The information... more

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