While inspecting the electrical system, you forget to close the door on the breaker box located in the basement. During an overnight storm, water gets in and short-circuits the electrical system, which requires repairs because it is an older home. Which type of insurance is used to cover the damages?
Explanation
Answer: A - General liability insurance covers the damages. Home inspection general liability insurance provides coverage for the direct, as well as indirect actions, of a home inspector. Although you did not intend to cause property damage, your inaction (not closing the breaker box) resulted in property damage that the homeowner must repair. If your inaction had also resulted in bodily injury (e.g., electrocution), damages would still be covered under general liability insurance.
