What is the name of your state? NJ Builder overcharged me, did shoddy work and refused to repair damaged portion during construction on the same house. House is not completed yet Need to get another builder (current builder fired for breach of contract and too much of negligence costing me too much of extra unnecessary $$) but would it be builder_s insurance policy or the builder itself who will be responsible for returning $$, does builder has to get fraud coverage in his insurance policy besides liability or it_s one whole policy covering total $$. Builder refuses to give his insurance info. For now will take some time through court but till then How can I verify if builder_s insurance has fraud coverage or not b_case if convicted of fraud then I will get 3X of $$ I think. Any help appreciated.