Monk v. Farmers’ Mutual Insurance Co. (Lindsay) 2015 ONCA 911
In this case, the appellant hired a restoration company to restore the exterior of her home using a renovation technique that involved the use of water. The company was required by contract to seal any part of the exterior where water could enter the home, including the windows. After the work was completed, the appellant noticed water damage to the inside of the home due to improperly sealed windows. The appellant’s home was insured, but her claim was denied on the grounds that the policy included specific exclusions which provided that i) faulty material or faulty workmanship would not be covered; and ii) damage resulting from work being done on the property would not be covered.
