Good points there—I've also noticed some contractors carry insurance that's technically enough for permits but might not fully cover major mishaps. Had a friend whose builder's policy didn't cover water damage...ended up being a pricey lesson. Always worth asking specifics upfront.
Yeah, I get the point about checking specifics upfront, but honestly, even that might not be enough. Insurance policies can be super tricky—contractors themselves sometimes don't fully understand what's covered until something actually happens. Had a neighbor who grilled his builder on the insurance details, felt pretty confident about it, and then when push came to shove after some storm damage...turns out there was a sneaky little exclusion buried deep in the fine print. Cost him big time.
Not saying it's pointless to ask questions upfront—definitely do—but I'd also suggest homeowners carry their own backup coverage or at least double-check their policy's overlap with the builder's. A bit skeptical that just asking for details from the contractor alone is gonna save you from those nasty surprises. Insurance companies have a way of making sure they're not the ones stuck footing the bill, ya know?
Good points—insurance fine print is a minefield. Makes me wonder if there's even a way to fully protect yourself without spending a fortune. Guess it's about balancing risk and cost, but man, it's frustrating how complicated they make it...
Totally get your frustration—insurance details can drive anyone nuts. But honestly, once you accept there's no perfect coverage, it gets easier. Like designing a room: you can't control every detail, but smart planning makes a huge difference... Hang in there!
Yeah, insurance is tricky, but honestly, clarity upfront helps a ton. I've found it useful to list out common mishaps—like water damage or site injuries—and directly ask insurers how each scenario's covered. Saves headaches later...
