Defects are a contractual matter between you and the contractor. Works insurance does not guarantee the quality of the work, so defective property is not covered. Insurance covers sudden, unforeseen accidental damage so would cover damage to insured property which is defect free and is damaged by the defective property.
The standard insurance coverage may be extended under our Renovation Ultra policy to provide extended coverage for design defects. Please speak to your broker to find out more.
