I am handling a homeowners claim for the roof damages caused by the contractor who abandoned the repair. Homeowner hired a contractor who started the roof tear-off but never came back to complete the repairs. The homeowner filed a claim for vandalism but the carrier denied the coverage.

It appears to me that the policy language: "However, we will pay for any resulting loss from items 3.a., 3.b., and 3.c. unless the resulting loss is itself a Loss Not Insured as described in this Section" indicates that the loss caused by the contractor who abandoned the project is covered as it is not excluded in Section I – Losses not insured. However I wanted to hear your opinion on the coverage. Thank You!

Illinois Subscriber