well thats a liability issue. guys doing on the side work (like me) do not have contractors insurance. what your company is refering to is that they will have no (or very little) subrogation against the resp party for damages that they pay out to you. so they would have to eat the loss whole heartedly. they dont like that.
what they can do is put a judgement on the side work guy and go from there but a Judge would have to decide that.
see an ins companies game is to pay you and then go to look for reimbursment from the resp party. this is called subrogation.. however their failure to subrogate a claim will have no direct results to you as to getting paid.
so now I cant speak for every co in every state and every sistuation but I can say that any standard run of the mill ins polcy will not exclude DIY or non insured person from doing work then causing a fire b/c of that said work
I refer to the word standard b/c there are non standard polices is excess markets that may very welle exclude such a claim. but this would be a a rare situation regardless
1970 Mach 1 San Jose built Dec 23 1969. Marti says 1 of 7. Purchased in 1987. Original family owner of the powertrain 351C 2v FMX.
1993 GT 11,000 miles, Built 2-12-93 Auto, 3:27 Axle, cloth, sunroof. Untouched except for rubber and battery, Purchased new 8-3-93. still has the factory windshield fluid and new car smell.
Last edited by Blues Power; 01-17-2013 at 01:34 PM.