The builder’s insurance company

Owners assume the builder's insurance company owes them something. A builder left the framing exposed to the rain during construction and now there's mold throughout the building and the electrical has to be replaced.

The builder's carrier opened a claim and then nothing 95 days without a coverage position, an adjuster, or a letter. The owner feels the carrier is waiting them out. Maybe it is, but that's not the part that matters.

The first thing that I noticed with this particular scenario is that the insurance company should be contacting the claimant.

The significant amount of time should not be occurring.

The claim should be properly investigated, with all parties contacted, all damage estimates received, and a liability and coverage determination made.

If the carrier is not doing that and is not responding, you may want to go ahead and take the claim into your own hands

by contacting your own representative, possibly an attorney, or somebody that can assess the

damages for you to be able to get the supporting documentation in front of the insurance company

so the claim can move forward. Stop waiting for the builder's carrier to do the right thing. It

has no duty to you. Get someone who handles these to put a demand in front of them with a number,

a basis, and a date. If you own the building, for an owner, every month of silence is a month

of rent. Start counting it yourself and writing from day one because nobody on their side is going

to. If you own your home, same rule at house scale. The other guy's carrier isn't your carrier.