Insurance payment for roof work
We signed a contract with a local company to redo our roof. This guy took 20k from our insurance money and never showed up to do the work despite several reminders. How do we get the money back?
It sounds like there was a loss covered by your homeowner’s policy. In that case, your insurance company would assign a claims adjuster to determine the amount of the loss and offer some guidance to you as you go about getting it fixed.
Couple pointers: 1 – Insurance companies have lists of contractors they know are licensed, insured and reliable. Many states don’t require you to pick one of these contractors, but why not? They are vetted and don’t want to do something to alienate a big company that is recommending and paying them. Did you get talked into using a contractor not on the list?
2 – Generally insurance payments occur as the work is being done. These are called ‘draws’ or progress payments. If nothing else, one would expect that a contract was signed before any payment was made. Trace the money. How did it get to “this guy”? Was $20k the total cost of the job, or a deposit to get started? What is “this guy’s” business name, address, state contractor’s license number? Is he bonded? If so and he's not responding to you, contact his bonding company.
3 – If your insurance company paid him $20,000 call your claims adjuster to let him/her know what’s going on. They will assist you. If you didn’t check to see if he’s bonded, contact your state’s contractor’s licensing board.