re: I'm being sued - question

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And what insurance would cover something such as this?

This isn’t a covered peril for the Homeowners, and it doesn’t fall under a liability umbrella either. That wipes out 99% of people

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It may be covered under the Homeowners liability coverage if the suit was filed during the policy period. If so the insurer will provide a defense attorney.

Covered perils only relate to the coverage on the dwelling. This is not umbrella coverage but just regular homeowners liability coverage similar to the coverage if someone fell on your property and sued you. The carrier can determine whether there are any exclusions applicable. The carrier will in turn file a third party demand against the contractor since they are the ultimate reapomnsible party.