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kris72901
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 Posted: Tue May 06, 2008 4:46 pm Post subject: can you do roofing work yourself on an insurance claim?
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My husband has worked in construction for a long time. He is in the army right now. He can do roofing. Can he re-roof our house himself to save some money on our deductibles? Do we have to clear this through the insurance co. Will we need to have it inspected after the work is done?
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wilheldp
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Posted: Tue May 06, 2008 5:34 pm Post subject:
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This same type of discussion took place in this thread a few days ago. You will need to have the insurance company, or a contractor of their choosing, estimate the damages, and let them make you a settlement offer. The settlement offer should be for the amount of the contractor/adjuster estimate minus your deductible. Once you get the check, you are free to do with the money what you choose...i.e. have their contractor fix the roof and pay them, have your husband fix the roof and pocket the money, or don't fix the damage at all and pocket the money.
I think where things enter a gray legal area is if you find your own contractor to do the estimate, submit that to the insurance company, then find somebody to do the work cheaper (or do it yourself). In that case, the insurance company might have a claim against you for inflating the estimate in order to profit from the settlement. If the insurance company estimates the damages themselves, they cannot make that claim. |
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tcope
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Posted: Tue May 06, 2008 8:51 pm Post subject:
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| The problem is that the check from the carrier should have the mortgage company listed on it if there is one (most people have a mortgage). The mortgage company will probably want confirmation that the work has been done by a license contractor (they don't want just any schmo repairing "their" house). |
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kriscricket
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Posted: Tue May 06, 2008 9:06 pm Post subject:
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| That is the funny thing is that the insurance co. just deposited the money into our account. |
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wilheldp
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Posted: Tue May 06, 2008 9:34 pm Post subject:
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| Is your husband a licensed contractor and/or licensed to repair/install roofs (if such a license exists)? If so, I don't think either the insurance company or the mortgage company would have an issue with this arrangement. |
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tcope
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Posted: Tue May 06, 2008 9:50 pm Post subject:
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| It's your carrier that would really have the obligation to protect the mortgage company. If they gave you the money, then I'd say you are free to have the repairs done as you want. I'm guessing you did not need to sign any paperwork? If you did, you might want to take a look at it. |
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Lori
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Posted: Wed May 07, 2008 10:54 am Post subject:
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Homeowners and auto claims are different...many times a homeowner is allowed to complete repairs themselves....as tcope stated the mortagee should be on the draft...if so and you contact them they will guide you on how to go about this....(getting the funds released for the materials etc)....when I handled homeowners claims (and cat duty particularly) many times the owners re-roofed their own homes.
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