Is it legal for an insurance company to sidestep the home owner in the hiring of an independent contractor?

05.November, 2008

My insurance company is hiring a contractor to put a new roof on my house with out even consulting me or asking about my wishes. Is that even legal?

i am in the insurance business. in claims most companies have a preferred vendor they use in claims settlement. as a consumer, you have the right to choose whom you want to fix your roof. you just need to let them know that you wish to do that. it is not illegal for them to try and use their preferred contractor or company. whenever a client calls me with a claim i ALWAYS tell them to get 2 or 3 estimates from different contractors to see what kind of estimate they give you. this is to make sure that the insurance co. does not low ball you. do not let any of the contractors know the amount the others bid. roof claims are always tricky. you may want to check out the better business bureau of your town and see who they recommend if you do not already know of someone that you trust.

Geschrieben von: admin Zufinden in: Insurance Company

4 Meinungen für “Is it legal for an insurance company to sidestep the home owner in the hiring of an independent contractor?”

  1. Ghadahav Kaffee sagt:
    08.October, 2008 um 1:12 pm

    if you have a mortgage, it is if the lienholder asked for it. they “own” the house after all
    References :

  2. Gem sagt:
    08.October, 2008 um 1:13 pm

    I’ve heard of this before.

    Refer to your policy, there may be a clause concerning the condition of the property.

    You might want to consult an attorney if you don’t understand your policy terms. And they are written to be confusing as heck.

    Sorry
    References :

  3. mbrcatz sagt:
    08.October, 2008 um 1:18 pm

    You need to look in your policy to see if they can do it or not.

    Usually, they CANNOT. But usually, in the standard mortgage contract, the mortgagee CAN. So if the insurance company talks to the mortgagee, the mortgagee can authorize them to do it, even if you DON’T.

    It’s not standard - usually it’s only done if your loan is in default, and the mortgagee and/or insurance company strongly suspect you’d want to take the money and run, and not repair the damage.
    References :

  4. brandon j sagt:
    08.October, 2008 um 11:01 pm

    i am in the insurance business. in claims most companies have a preferred vendor they use in claims settlement. as a consumer, you have the right to choose whom you want to fix your roof. you just need to let them know that you wish to do that. it is not illegal for them to try and use their preferred contractor or company. whenever a client calls me with a claim i ALWAYS tell them to get 2 or 3 estimates from different contractors to see what kind of estimate they give you. this is to make sure that the insurance co. does not low ball you. do not let any of the contractors know the amount the others bid. roof claims are always tricky. you may want to check out the better business bureau of your town and see who they recommend if you do not already know of someone that you trust.
    References :

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