If the contractor has insurance for Masonry but has not added Renovations to his insurance; is he (and more importantly, am I) covered if they do vinyl siding on my house?
Normally all insurance companies will cover 2,000,000. on the project if there is a fault on what he was working on. As an electrician, my insurance covers my electrical company even if there is a plumbing leak caused by something I damage. Not that it has ever happened.
While most contractors carry broad insurance coverage, it is not always the case. You can get insurance that is very specific in it's coverage of the work the contractor does. Eg. a foundation contractor normally wouldn't be covered if he does a kitchen renovation.
I would call his insurance company to see if he is covered to replace siding. Better safe than sorry.
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