Special Problems That You Need To Be Aware Of!

1. Synthetic Stucco (EIFS) Exclusion -- Most General Liability policies no longer provide coverage for lawsuits arising from synthetic stucco (EIFS) related problems. Each insurance company seems to have a different version of the exclusion. Furthermore, each state has its own case law that has a bearing on the impact of the exclusion.

   As a general rule, Homebuilders should no longer use EIFS on their new construction projects if they expect to have coverage arising out of an EIFS related problem. The more complicated issue arises out of interpreting what coverage (if any) exists for EIFS projects that were performed in the past. You might be surprised to find out that you may not have coverage for future lawsuits arising out of your past EIFS jobs. You need to know the facts so that you can protect yourself from bankruptcy!

   The answers to these questions are complicated and 99% of insurance agents don't give the proper advice because they are not dedicated experts. It pays to be working with a competent insurance agent who can advise you on this topic!

2. Soil Movement Exclusion -- Some General Liability policies no longer provide coverage for lawsuits arising from soil movement related problems. Soil movement includes movement resulting from expansive soils, sinkholes, settling, shifting, etc. If you have this exclusion on your policy, you have no coverage for such damage to the foundation or home.

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