Rattan v. United Services Automobile Association<\/a> 1 looked at answering such questions.\u00a0 In this particular case, Rattan, the homeowners decided to use one of the insurer\u2019s \u201cpreferred\u201d contractors with their work \u201cguaranteed\u201d by the carrier for repairs for fire damage.\u00a0 During the renovation process the homeowners accused the contractor of:<\/p>\n\u201c[C]overed up a burned stud in the master bedroom with foam and drywall instead of removing it; allowed [the contractor’s] employees to live in the home; allowed [the contractor’s] employees to make long distance calls from the [homeowners’] telephone; did a poor job of painting; left a smell of smoke in the home; left baseboards missing; and frequently had no workmen at the site.\u201d2<\/p>\n
As a result, the insurer pulled the contractor off of the job and another contractor was hired to repair the faulty work, with the permission of the homeowner and at the cost of the insurer. \u00a0After the repairs were completed the homeowners were still not satisfied and decided to sue the insurer in tort as compensation for all possible consequential damage that would result from the faulty work.\u00a0 The court ruled that the guarantees offered by the insurer \u201cwere not themselves contracts of insurance or part of the insurance policy” that was issued to the Rattan\u2019s.\u00a0 Furthermore, the court decided, that the protection for all consequential damage caused by the contractors would in effect make an insurance company the liability insurer for the contractor. \u00a0Therefore, the court determined that absent any evidence that the insurer took on more responsibility for its preferred contractors other than acting as a guarantor of workmanship, the insurer cannot be held liable in tort for the omissions or errors of contractors engaged to provide repair services.3<\/p>\n
The court also rightly explained that many homeowner insurers recommend “preferred” vendors “no doubt for their own convenience and as a means of limiting their claim costs.”4 The lesson to be learned here is that the property owner has a right to hire whomever they choose and should be aware of these rights.\u00a0 Hiring a \u201cpreferred\u201d vendor does not increase the level of workmanship provided nor does it mean that there will be no problems with the repairs being made.<\/p>\n
1 Rattan v. United Services Automobile Ass’n. (2000) 84 Cal. App. 4th 715.<\/p>\n
2 Id. at 718.<\/p>\n
3 Id. at 723.<\/p>\n
4 Id. at 717.<\/p>\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
Advise & Consult, Inc. | September 28, 2015 Many insurance carriers often provide their insureds with a list of \u201cpreferred\u201d vendors that are able to perform repair work on their home or property when a covered loss has occurred.\u00a0 While these lists, and how to get on these lists, can vary greatly from carrier… Continue reading Is Faulty Work by \u201cPreferred\u201d Vendor Covered by Carrier?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[4,3],"tags":[8836,11],"class_list":["post-883373","post","type-post","status-publish","format-standard","hentry","category-construction-defects","category-insurance-claims","tag-faulty-work","tag-insurance-claim","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nIs Faulty Work by \u201cPreferred\u201d Vendor Covered by Carrier? - Advise & Consult, Inc.<\/title>\n<meta name=\"description\" content=\"insurance carriers provide insureds a list of preferred vendors but what happens if the property has faulty work performed or causes further property damage\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/faulty-work-by-preferred-vendor-covered-by-carrier\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is Faulty Work by \u201cPreferred\u201d Vendor Covered by Carrier? - Advise & Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"insurance carriers provide insureds a list of preferred vendors but what happens if the property has faulty work performed or causes further property damage\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myconstructionexpert.com\/blog\/faulty-work-by-preferred-vendor-covered-by-carrier\/\" \/>\n<meta property=\"og:site_name\" content=\"Advise & Consult, Inc.\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/\" \/>\n<meta property=\"article:published_time\" content=\"2015-09-28T21:58:15+00:00\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@adviseconsult\" \/>\n<meta name=\"twitter:site\" content=\"@adviseconsult\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/faulty-work-by-preferred-vendor-covered-by-carrier\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/faulty-work-by-preferred-vendor-covered-by-carrier\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\"},\"headline\":\"Is Faulty Work by \u201cPreferred\u201d Vendor Covered by Carrier?\",\"datePublished\":\"2015-09-28T21:58:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/faulty-work-by-preferred-vendor-covered-by-carrier\/\"},\"wordCount\":486,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"keywords\":[\"Faulty Work\",\"insurance claim\"],\"articleSection\":[\"Construction Defects\",\"Insurance Claims\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/faulty-work-by-preferred-vendor-covered-by-carrier\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/faulty-work-by-preferred-vendor-covered-by-carrier\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/faulty-work-by-preferred-vendor-covered-by-carrier\/\",\"name\":\"Is Faulty Work by \u201cPreferred\u201d Vendor Covered by Carrier? 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