General Liability Insurance - Business?
I have a furniture store. The ceiling collapsed and rendered us out of business for 3 weeks over Christmas. My Policy exludes collapse due to Faulty wormanship. The landlords insurance says it is not their responsibility, Who is to recompense me the loss of income. I know it is owed to me but what do you do in a case resembling this? There is no insurance company that pays for faulty wormanship.
Answers:
You call for to go back to the compnay who installed or ending worked on the ceiling. If it is poor workmanship, thier liability insurance should cover it. Also, even if your policy doesnt cover the ceiling, it may still cover some of the resulting damage. Check your policy or ask your insurance agent.
I would think it would stir back to the general liability insurance for the individuals that originally constructed the roof if it was faulty workmanship.
How did the insurer determine that it was unsound workmanship that caused the collapse? Unfortunately the damage have already been repaired, or else I would read out hire an engineering firm to confirm the cause of the collapse, but this option is out. My solitary advice is to consult with a legal representative and see if there may be a case since the proprietor didn't take the appropriate steps to ensure a) the tenant who installed the ceiling did a proper job, or b) the proprietor, after the previous tenant vacated, didn't take the proper steps to ensure the component was fit for occupation. It's a long shot, but I'm afraid I can't see any other avenue.
You know, a ceiling with inexact workmanship doesn't usually collapse after TEN YEARS. Was there a contributing water sprain loss, that you could invoke the water damage part of a set of it, and collect under business income that way? Source(s): agent, 21+ years
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Answers:
You call for to go back to the compnay who installed or ending worked on the ceiling. If it is poor workmanship, thier liability insurance should cover it. Also, even if your policy doesnt cover the ceiling, it may still cover some of the resulting damage. Check your policy or ask your insurance agent.
I would think it would stir back to the general liability insurance for the individuals that originally constructed the roof if it was faulty workmanship.
How did the insurer determine that it was unsound workmanship that caused the collapse? Unfortunately the damage have already been repaired, or else I would read out hire an engineering firm to confirm the cause of the collapse, but this option is out. My solitary advice is to consult with a legal representative and see if there may be a case since the proprietor didn't take the appropriate steps to ensure a) the tenant who installed the ceiling did a proper job, or b) the proprietor, after the previous tenant vacated, didn't take the proper steps to ensure the component was fit for occupation. It's a long shot, but I'm afraid I can't see any other avenue.
You know, a ceiling with inexact workmanship doesn't usually collapse after TEN YEARS. Was there a contributing water sprain loss, that you could invoke the water damage part of a set of it, and collect under business income that way? Source(s): agent, 21+ years
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