A builder put his foot through our ceiling, rain damaged carpet whos insurance do we claim from?
Answers:
Definately the builder. I had a similar problem with a brand new house i bought years ago and they will do everything to get you to claim through YOUR insurance. DONT DO IT. Go through theirs.
I would say the builders. It was his accident.
the builders
he should have the proper insurance to cover this if he is a reputable builder.
Is he a licensed contractor? His insurance should pay. Your ins rates will go up and they may cancel you if you claim in on yours.
The company who supplied the builder.
the builders if he has any?
the builder is responsible for replacing your damaged carpet so he should use his insurance to cover the cost.
the builder he caused the original damage leading to the carpet being ruined
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