Claim Money Not Being Used for what It Was Intended

[cor4ever]

Hello let me thank you all in advance for all yourhelp. My home was destroyed by hurricanea few months ago, the insurance issued the check for the repairs but I noticed thegeneral contractor is cutting corner to perhaps increase his profit, forexample, the insurance company allocated 3K to use a crane to install all theroof trusses, however, the contractor decided to install the trusses one by onewithout the use of the crane; I believe that I am legally obligated to returnthat money to the insurance company and wanted some advice before approachingthe contractor.
On the other hand, insurance company allocated $65 to cleanand deodorize the carpet in one of the rooms, I have now decided that thecarpet is way too old and we want to get rid of it, what happens to that $65?
Thank you so much.

 

[Josh]

Hello let me thank you all in advance for all yourhelp. My home was destroyed by hurricanea few months ago, the insurance issued the check for the repairs but I noticed thegeneral contractor is cutting corner to perhaps increase his profit, forexample, the insurance company allocated 3K to use a crane to install all theroof trusses, however, the contractor decided to install the trusses one by onewithout the use of the crane; I believe that I am legally obligated to returnthat money to the insurance company and wanted some advice before approachingthe contractor.
On the other hand, insurance company allocated $65 to cleanand deodorize the carpet in one of the rooms, I have now decided that thecarpet is way too old and we want to get rid of it, what happens to that $65?
Thank you so much.

Usually as long as the money is going to the repairs it's not a problem. In fact, if it goes over the amount the company cut a check for the claim amount can usually even be increased.

 

[cor4ever]

One more question, since the contractor decided not to use the money allocated for crane and crane operator, he now claims that those 3K will go to the roofer for all his labor. Is that how it works?

 

[Josh]

One more question, since the contractor decided not to use the money allocated for crane and crane operator, he now claims that those 3K will go to the roofer for all his labor. Is that how it works?

Here's the way it usually works:

The carrier will pay for what a qualified professional will charge to restore the property to it's original condition. Where each dollar is going and the way each aspect of it is being covered is less important than every dollar going towards fixing the claim. It doesn't matter where the chips fall as long as the workers are doing the work they are supposed to and the insurance company isn't being billed for anything that isn't directly related to the task at hand.

Is your adjuster helping explain any of this to you?

 

[djs]

In short, if the roof trusses are on top of the house, the insurance company doesn't care how whether you hired a crane or a crew of people to do it.

Its usually easier to hire the crane, but hey, if he had people who wanted work, it really isn't a problem. The insurance company just won't pay more for doing it this way.

Clean and deoderize? Feel free to use that towards new carpet. It accomplishes the overall goal.

Dan

 

[cor4ever]

Thank you so much for all your help.