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Responding to Contractor Defenses

Counter-arguments when builders and contractors deny responsibility for defects

Contractors Have Standard Defenses - Know How to Counter Them

Builders and contractors often use the same arguments to avoid responsibility for construction defects. Understanding these defenses and their weaknesses helps you build a stronger case. California's SB-800 (Right to Repair Act) provides significant homeowner protections.

1
"Your Claim Is Too Old" (Statute of Limitations)

Contractor's Defense

The contractor claims the statute of limitations has expired and you can no longer sue.

Your Response

  • Latent (hidden) defects have a 10-year outside limit, not 4
  • The 3-year clock starts when you discovered or should have discovered the defect
  • Each new defect discovery can start a new limitations period
  • Fraudulent concealment can toll (pause) the statute
  • Continuing damage may extend the period
What to Say

"This is a latent defect that was not discoverable through reasonable inspection until [date]. Under the discovery rule, my claim is timely because I filed within 3 years of when I discovered/should have discovered the defect. The 10-year period from completion has not expired."

2
"I Didn't Do That Work" (Subcontractor Defense)

Contractor's Defense

The general contractor blames a subcontractor for the defective work, claiming they're not responsible.

Your Response

  • General contractor is responsible for all work by subcontractors
  • You contracted with the GC, not the sub - they're your point of contact
  • Builder bears strict liability under SB-800 for defects
  • GC's recourse is against the sub - not your problem
  • GC has duty to supervise and inspect subcontractor work
What to Say

"Under Civil Code § 936, as the builder who sold me this home, you are directly liable for all construction defects regardless of who performed the work. Your contractual relationships with subcontractors do not diminish your liability to me as the homeowner."

3
"You Caused This" / "Homeowner Negligence"

Contractor's Defense

The contractor claims you caused the problem through improper maintenance, alterations, or misuse.

Your Response

  • Demand specific evidence of what you did wrong
  • Builder has the burden to prove you caused the defect
  • Normal use and wear is not "negligence"
  • If defect existed before your alleged act, their defense fails
  • Get an expert to confirm the defect is construction-related
What to Say

"You have not provided any evidence that my actions caused this defect. Under Civil Code § 944, you bear the burden of proving any affirmative defense. My expert has confirmed this is a construction defect, not homeowner damage. I used the property in a normal manner."

4
"It Meets Building Code" / "Passed Inspection"

Contractor's Defense

The contractor claims the work passed building inspection or meets minimum code requirements.

Your Response

  • Building code is a minimum - not a standard of quality
  • Passing inspection doesn't guarantee defect-free construction
  • Inspectors don't catch everything - inspections are brief
  • SB-800 standards are independent of building code
  • Implied warranty of habitability requires more than code minimum
What to Say

"Passing building inspection does not establish that the work was performed properly. Building code sets minimum standards, not quality standards. Under Civil Code § 896, you're liable for failing to meet the SB-800 building standards, regardless of code compliance. The implied warranty of habitability requires workmanlike construction beyond code minimums."

5
"Your Warranty Has Expired"

Contractor's Defense

The contractor claims the 1-year warranty or home warranty has expired, so they have no further obligation.

Your Response

  • Express warranty doesn't limit statutory claims
  • SB-800 provides 1-10 years depending on defect type
  • Implied warranty of habitability may extend beyond express warranty
  • Latent defect claims can be brought years after warranty expires
  • Review what the warranty actually covers vs. excludes
What to Say

"The expiration of your express warranty does not extinguish my statutory claims under Civil Code § 896-945. For this type of defect, the SB-800 limitation period is [X years]. Additionally, my claims for breach of implied warranty and negligence are independent of your express warranty."

6
"You Didn't Give Proper Notice" (SB-800 Procedure)

Contractor's Defense

The builder claims you didn't follow the SB-800 pre-litigation notice requirements before suing.

Your Response

  • Comply with SB-800 notice now if you haven't already
  • If builder failed to respond to notice, procedure is satisfied
  • Builder's failure to maintain notice address excuses strict compliance
  • Procedure doesn't bar claims - just requires notice first
  • Non-SB-800 claims (negligence, fraud) may not require notice
What to Say

"I provided/am now providing the required notice under Civil Code § 910. [If applicable: You failed to respond within the statutory timeframe, which satisfies the procedure.] I have given you the opportunity to inspect and repair as required by law."

Important

If you're considering litigation, send the SB-800 notice now. The procedure must be followed before filing suit. This isn't a defense that defeats your claim - just a procedure you must complete.

7
"You Made Unauthorized Alterations"

Contractor's Defense

The contractor claims your later modifications or alterations caused or contributed to the defect.

Your Response

  • Demand evidence of what alteration caused the defect
  • If your alteration was in a different area, defense fails
  • Expert can testify whether alteration affected defective area
  • Builder must prove causation - not just that you made changes
  • Routine maintenance and repairs are not "alterations"
What to Say

"Any modifications I made did not affect the [roof/plumbing/foundation/etc.] where the defect exists. You have not provided any evidence that my work caused this defect. My expert confirms the defect is in original construction, not any area I modified."

8
"Natural Disaster" / "Act of God"

Contractor's Defense

The contractor blames an earthquake, flood, or other natural event for the damage.

Your Response

  • Proper construction should withstand normal weather
  • If defect made damage worse, builder is liable for that portion
  • Seismic events are foreseeable in California - buildings must be designed for them
  • Heavy rain isn't an "act of God" - waterproofing should work
  • Get expert to show defect, not weather, caused the failure
What to Say

"Normal [rain/wind/weather] is not an 'act of God' - proper construction is designed to withstand these conditions. The fact that [water entered/damage occurred] demonstrates a construction defect. Other homes in my area did not experience this damage from the same event."

9
"Your Repair Estimate Is Too High"

Contractor's Defense

The contractor claims your repair estimate is inflated or unreasonable.

Your Response

  • Get multiple estimates from licensed contractors
  • You're entitled to proper repair, not the cheapest fix
  • If their repair failed before, more extensive work may be needed
  • "Matching" may require more work (e.g., full roof vs. patch)
  • Expert witness can testify to reasonable repair scope and cost
What to Say

"I have obtained estimates from [number] licensed contractors, all indicating similar repair costs. My estimate reflects the actual scope of work needed to properly repair the defect, not a temporary patch. Under California law, I am entitled to be made whole through proper repair."

10
"You Signed an Arbitration Agreement"

Contractor's Defense

The contractor claims you must arbitrate rather than sue because of an arbitration clause in the purchase contract.

Your Response

  • Review whether clause is procedurally/substantively unconscionable
  • Was the clause clearly disclosed and explained?
  • Some arbitration clauses have one-sided provisions that can void them
  • Arbitration can sometimes be advantageous (faster, less expensive)
  • You still have all claims - just in different forum
  • Consider consulting attorney about challenging the clause
What to Say

"I am reviewing the arbitration provision and reserving my right to challenge its enforceability. [If challenging: The arbitration clause is unconscionable because it was buried in a lengthy contract, presented on a take-it-or-leave-it basis, and contains one-sided provisions favoring the builder.]"

Get Legal Advice

Arbitration clauses are complex. Consult with an attorney before agreeing to or challenging arbitration. Missing deadlines to object can waive your rights.

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