Q: Lights were stolen from my homesite and the builder is saying he won't pay for them to be replaced. who is responsible?
With the permission of my builder I bought lighting for my home on my own and not through the builders vendors. I delivered it to the worksite under direction from the builder and at the time he designated. The site was then secured by the project manager. The night before the lights were to be installed they were stollen from the job site and the builder is now saying he is not responsible and will not pay to have them replaced. What is the builders obligation in this matter. Also my contract requires the builder to carry loss insurance which he does but he said he does not want to file a claim as the deductible is more than the value of the lighting. Does he have any duty to file a claim or pay for the loss out of pocket?
A: Essentially, if the builder did not put the lights there then his insurance probably wouldn't pay anyway. You putting your lights on the property would come under your insurance policy for theft of personal property. It may be made under your existing homeowners policy. Have a talk with your insurance agent to find out.
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