Home Defects, Damages, and Insurance

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Whether new or old, houses are complex systems that sometimes deliver unpleasant surprises -- a leaking roof or windows, a cracked foundation, substandard wiring, and so on. Learn what you can do -- or where you can seek compensation -- after a defect comes to light.

Common Sources of Trouble

Lead Paint in Your Home
If your house was built before 1978, it's important to find out whether you or members of your family are being exposed to lead.
Common Home Pests
A summary of home invaders, such as ants, termites, and dry rot.

Insurance Coverage and Claims

Homeowners' Insurance: Got Enough Coverage?
Don't wait until after the disaster to find out whether you've truly taken out your full ounce of prevention.
Preparing a Home Inventory in Case Your Property Gets Damaged or Stolen
Plan ahead, so that you'll know what to claim among your losses.
After the Fire or Disaster: Dealing with Your Insurance Company
Ten tips to keep in mind as you interact with your insurance company and its adjustors.
Hurricanes and Flood Insurance: What Homeowners Should Know
Don't become on of the many homeowners who learn the hard way (or the wet way) that their homeowners' insurance doesn't cover property damage caused by hurricanes and floods.

Taking Action Against the Responsible Party

Home Defects: Sue the Seller?
Do you have a claim, what evidence will you need to prove it, and what damages might you be awarded?
New-Home Defects: Holding Your Builder Responsible
Construction defects are a common issue with newly built homes. Here's what to do.
Can You Take a Theft Deduction for Building Contractor Fraud?
Know your rights when an underinsured contractor fails to complete remodeling work.
Wind and Rain Damage to Fences in California: Sources of Recovery
Damage to fences raise complex questions about how to claim recovery in conjunction with a neighbor.
Suing Your Home Builder or Seller: Legal Rights in Selected States
Find out what your state's law says about pursuing a claim against your home builder or seller.

Additional Resources

The Essential Guide for First-Time Homeowners
The manual every buyer of a home needs, with information on dealing with insurance claims, disputes, defects, and more.