Insurance Coverage Q&A: When the Contractor Kinks the Water Supply Line
Questions the property damage exclusion under the CGL for your work in a situation where a contractor's work caused other damage to the property.
November 08, 2021 at 05:20 AM
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We insure a contractor’s liability under the CG 00 01 12 04 Coverage form. The insured had installed flooring and painted a wall in a kitchen of a condo. They pulled the refrigerator out, painted the wall behind it, and then put the refrigerator back. In pushing the fridge back, the supply line to the fridge kinked and broke. Water leaked from the supply line and damaged the just installed floors, the drywall behind the fridge, and water damaged the two units below this condo.
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