"AlexW" wrote in message
...
snip

Especially when there was a suggestion that the insurance would not
cover faulty workmanship, assuming it might not cover faulty
materials
either the only thing that is left is accidents/stupudity!


There is never an automatic payout with insurance, if the loss
adjuster, or who ever, can find an excuse to either reduce or stop
payment they will do so - insurance companies are in business NOT to
pay out if at all possible, that is how they make their profits.