We do not cover loss caused directly or indirectly by any of the following excluded perils. Such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss. These exclusions apply whether or not the loss event results in widespread damage or affects a substantial area;

18. Planning, Construction or Maintenance, meaning faulty, inadequate or defective:

a. planning, zoning, development, surveying, siting;

b. design, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction;

c. materials used in repair, construction, renovation or remodeling; or

d. maintenance;

of property whether on or off the insured location by any person or organization. However, any ensuing loss not excluded is covered.

The carrier said, "As you can see in the policy language, faulty, inadequate, or defective specifications, workmanship, or repair of the work completed is excluded. Therefore, according to the terms and conditions of your policy, we are unable to provide any coverage for this loss."

We are not in agreement with this because we think this is not a claim that really applies to any of the exclusions listed.

Kentucky Subscriber

The carrier is right: this is faulty renovation in that the roofer was at the wrong house, which makes the renovation/construction/workmanship faulty. The roofer made the mistake and should correct it. There is no coverage.