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A homeowner discovers water damage from faulty plumbing work 18 months after completion. The contractor's insurance policy expired 6 months ago. What is the contractor's liability?

Correct Answer

D) Full liability regardless of insurance status

Contractors remain fully liable for defective work regardless of insurance status. Insurance expiration doesn't eliminate legal responsibility for faulty workmanship.

Answer Options
A
Limited liability for materials only
B
Liability shared with insurance company
C
No liability due to expired insurance
D
Full liability regardless of insurance status

Why This Is the Correct Answer

Contractors remain fully liable for defective work regardless of insurance status. Insurance expiration doesn't eliminate legal responsibility for faulty workmanship.

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