Thanks. It seems coverage parts are different in our two countries. In my country, homeowners insurance coverage wording is fairly standardized. I'll preface my following comments with I agree completely one should always check with their insurer. Here, if a contractor caused a covered loss, the insurer would remedy the loss with the policyholder, then the insurer has subrogation rights against the contractor. Additionally, even if the OP's TA problem were considered covered under the policy for theft, which I doubt, a relatively low internal limit would apply. I just don't think a typical American homeowners insurance policy would respond to a situation like the OP experienced.