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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 pay me the loss of income. I know it is owed to me but what do you do in a case like this? There is no insurance company that pays for faulty wormanship.

2007-01-25 12:46:45 · 4 answers · asked by Mary Sue James 2 in Business & Finance Insurance

It was one of the previous tenants over 10 years ago who installed it, so how do I go back to them for loss of income? Also My landlord repaired it but it took 3 weeks so we were out of business for 3 weeks. The defect and the ceiling are corrected, but How do we get reimbursed for loss is income. Thank You

2007-01-25 13:20:15 · update #1

4 answers

How did the insurer determine that it was faulty workmanship that caused the collapse? Unfortunately the damage has already been repaired, or else I would say hire an engineering firm to confirm the cause of the collapse, but this option is out. My only advice is to consult with a lawyer and see if there may be a case since the landlord didn't take the appropriate steps to ensure a) the tenant who installed the ceiling did a proper job, or b) the landlord, after the previous tenant vacated, didn't take the proper steps to ensure the unit was fit for occupation. It's a long shot, but I'm afraid I can't see any other avenue.

2007-01-25 15:56:09 · answer #1 · answered by Gambit 7 · 0 0

You know, a ceiling with faulty workmanship doesn't usually collapse after TEN YEARS. Was there a contributing water damage loss, that you could invoke the water damage part of it, and collect under business income that way?

2007-01-25 21:31:37 · answer #2 · answered by Anonymous 7 · 1 0

You need to go back to the compnay who installed or last 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.

2007-01-25 20:55:39 · answer #3 · answered by cinsingl83 3 · 0 0

I would think it would go back to the general liability insurance for the people that originally constructed the roof if it was faulty workmanship.

2007-01-27 02:14:28 · answer #4 · answered by Beth G 2 · 0 0

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