New home repair policy?

[khardy57]

I moved into my house in May, and at the time I bought an insurance policy that is supposed to fix anything that goes wrong for a $55.00 charge (per event)

Today, I had an electrician come out and for $55.00 repair an electrical outlet on my back deck.

Then, I had to call the company again because of a leak in my bathroom. They didn't have a plumber in this area and told me to call one to come out and look at the situation and call them for authorization to make the repair. The plumber came, looked things over, called the company and was told that the policy would not cover the leak because the previous owner installed a drain gasket incorrectly.

I'm going to have to pay the plumber (I don't mind because this is a good guy who did work for me and my husband at the other house and I know he does good work)

But I don't understand why the policy won't pay. They said they won't do repairs if something was installed wrong. How am I supposed to know if it's right or wrong? All I know is it leaks!

This is not a new house, so I can't call the builder.