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Typically your homeowners insurance does not provide coverage for poor workmanship or for hired labor. Accidental damage caused by your contractor is the responsibility and liability of the contractor

The first place I would go for coverage under the painter's liability coverage. In the event that you hired a painter and failed to check his insurance coverage then I would ask your insurance agent for advice on whether to file a claim or not. You might find that the increase in premium that can be associated with a claim will mean that you are better off covering the damage yourself. Sue the painter.

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Q: Will homeowner's insurance cover the cost of replacing carpeting if a hired painter spills paint and ruins the carpet?
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