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How do you deal with a contractor if they inflate prices on your bill for repairing your home because insurance money is involved?
Wiki User
∙ 12y ago
I would first call your insurance company and make them aware of your suspicion. Ask them to make another inspection to protect yours and the companies interest.
You might then call a consumer hot line in your state if there is a fraud section for contractors. I would file a complaint against the contractor with the state and tell them what you said here.
Wiki User
∙ 12y ago
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Is a contractor's license needed to do repairs on other people's homes?
I would have to say yes because of Insurance issues.
Your contractor's insurance company - damage was their fault - wants you to settle damages at depreciated value - ACV. Aren't you entitled to full replacement cost -RCV- because it wasn't your fault?
See if your insurance company will help you resolve the claim. The contractor should definitely make things right.
What would likely be covered under homeowner's insurance but NOT by renter's insurance?
Damage to anything covered by the landlord's insurance, because the landlord owns the property not the renter. Such damage would be covered under homeowner's insurance, because the homeowner owns the property.
Can an auto insurance company raise your premium by 100.00 because your a woman?
No, your insurance can't be raised by $100.00 just because you are a woman. There are a lot of factors involved with the way your insurance is priced.
What is the maximum amount of money that an unlicensed contractor can charge for their service?
"Don't do it, because if you screw up they can sew you for all your worth. My advice is get licesened then if you screw up you have insurance for a reason." Wrong, an unlicensed contractor in California has no standing to sue, however, a homeowner may sue the unlicensed contractor and recover any money paid even if they are and were aware of the state of the contractor's license prior to contracting.
If you are an independent contractor and do not have any employees do you have to have workman's comp insurance for yourself in Illinois?
No, you do not have to carry WC insurance. Just be aware that without WC insurance, some Contractors may hesitate to hire you because, if you are injured without your own insurance, their insurance may become primary and they may be assessed "penalties" by their insurer.
What is the maximum amount of money that an unlicensed contractor charge for their services?
"Don't do it, because if you screw up they can sew you for all your worth. My advice is get licesened then if you screw up you have insurance for a reason." Wrong, an unlicensed contractor in California has no standing to sue, however, a homeowner may sue the unlicensed contractor and recover any money paid even if they are and were aware of the state of the contractor's license prior to contracting.
IS paying someones insurance deductible in North Carolina Insurance fraud?
Most states do not care who pays the deductible, however, if it is a body shop or a contractor who is paying, it may be considered fraud because they sometimes charge the insurance company more to make up the difference.
Can a contractor force their subcontractor to raise their car insurance premium?
I think you mean can a general contracto force their subcontractor to raise their car insurance coverage limits. Some people choose to buy insurance with very low limits which do not provide a lot of protection. If you work for someone like a general contractor they can require you have a certain level of insurance. The reason they might do this is because they may have insurance that starts at a certain dollar limit. For example You buy insurance which covers damage cause if you car hits someone up to $25,000. The contractor may have insurance that starts at $50,000. This means that you would need insurance that covers up to $50,000 and the the contractors insurance would start paying after $50,000. Premium is the money you pay to purchase a policy. If you increase your coverage limits from say $25,000 to $50,000 it will of course increase your premium cost.
can i be sued for not letting a contractor do the job after a insurance settlement. there is no signed contract, but he said because he came out when the adjusters made their final evaluations of my home, but there was also another contractor present also?
It depends on the specific circumstances and the laws in your jurisdiction. If there was no signed contract and you didn't agree to hire the contractor, it may be difficult for the contractor to successfully sue you. However, it's always best to seek legal advice to fully understand your rights and obligations in this situation.
Is it auto insurance fauld if your wife lied to her auto insurance and said she was not married because your license is revolked in Maryland?
It could be, especially if the person with the revoked license is involved in an accident because he cannot legally drive a vehicle and she committed insurance fraud by not telling her insurance company the spouse was in the household.
Will insurance cover damage to your house when a tree damages it while being removed by you or a contractor?
No, it generally needs to be an "act of God" The contractor should have insurance that would cover it. If you did it, you are SOL. 4lifeguild If the tree fell because of a contractor, they should be bonded and insured (therefore will pay for all damages). If it fell while you were removing it, then your home owners insurance will cover it after you have paid the deductable. If the deductable is $1000 and it costs $1200 to fix it, then it wouldn't be worth filing a $200 claim. Your rates go up by as much as 30% when you file any claim. Do the math and decide for yourself which is the best plan of action.
