Years of claim experience still haven’t prepared me from what can become the hardest and saddest property claim nightmare for a homeowner – the bad contractor. Whether the contractor is hired for maintenance, renovations, or to repair damage from a covered claim, turning a home or business property into the hands of an incompetent or downright fraudulent contractor is a homeowner’s worst nightmare. In the worst-case scenario, the result could be that significant funds are spent, the project is incomplete, AND additional damage is done to the home. Homeowners policies do have exclusions for faulty or defective workmanship. The best prevention is research.