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Your contract with the tradesman is between "You and the Contractor", He did not contract with your insurance company. All the insurance company did is agree to pay the bill for you.

So you would need to bring your own civil or criminal action against your contractor depending on the circumstances.

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What recourse does a contractor have when they have performed the work and the insurance company has issued the check in their name and the insureds name but the insured will not endorse the check?

The insurance company sought you fit to complete the job and by issuing the check I'm going to assume you did the work at a high workmanship standard and fulfilled the contract. Take them to court and take them to the cleaners you'll get way more that what your owed seize property do it all Fellow contractor to contractor. May them pay big time lowlifes like that are what drags American families down


What is surplus lines insurance?

Surplus Lines Insurance is insurance that is not written through the admitted market. The insurance companies that are approved to write Surplus Lines business are not considered "admitted" or "licensed" by the states. The insured is not covered by the state Guarantee fund which means that if a surplus lines insurer becomes insolvent; the insured has no recourse in the event of a claim.


Which states are non-recourse?

is california


Without recourse is what type of endorsement?

stating that the person who try to cash it, the person that it is giving to who is unable collect on it.cannot go after the party that endorse it without recourse.


Your brother's company failed to have him sign the life insurance beneficiary form therefore the life insurance money went to your parents is there recourse against the negligence of the company?

No, The insurer provides a means by which we can assign beneficiaries, If those beneficiaries turned out to be your parents then so be it. Without evidence to the contrary, Namely an assignment of proceeds AKA naming you as a beneficiary, the law has no option but to presume that was the intent of the insured. Their is no negligence here on the part of the Company and therefore no liability. The insurance company is only following the law as well as the documented intent of the insured.If you think there was an oversight on the part of your sibling in the assignment of beneficiaries, then you would need to bring your action against the beneficiary and/or the estate of the deceased. Basically you'd have to sue your parents and your brothers estate. The Insurance company would not be a party to your recourse action.

Related Questions

Can new Homeowner file a claim against General Contractor Liability Insurance for work done for previous home ownwer that caused property damaged recently discovered by new owner of the house?

No. You, (The new owner) was not a party to the contract between the previous homeowner and the trade contractor. The contractor has no obligation to a subsequent owner with whom he did not contract or make warranty. It's no different than when you buy a used car. You would have no recourse for work you might consider substandard against a mechanic that did repairs for the previous owner because you did not own the property at that time and were not a party to the repair agreement. Hopefully you purchased a home warranty through your realtor when you purchased the home they are very inexpensive. Your recourse would be to file a claim on the home warranty offered to you when you made your home purchase.


What recourse does a contractor have when they have performed the work and the insurance company has issued the check in their name and the insureds name but the insured will not endorse the check?

The insurance company sought you fit to complete the job and by issuing the check I'm going to assume you did the work at a high workmanship standard and fulfilled the contract. Take them to court and take them to the cleaners you'll get way more that what your owed seize property do it all Fellow contractor to contractor. May them pay big time lowlifes like that are what drags American families down


Is the homeowner or the tenant responsible for damages caused by a tree falling on a rented property?

Homeowner's insurance would be the first recourse. If insurance does not cover the damages the owner of the property would be responsible. The answer above is fundamentally accurate but the tenant is not automatically free of any obligation. If the tenant is renting a home as opposed to an apartment he may have some responsibility for reasonable upkeep and maintenance. If he fails to water the tree for a year and that is the cause of the tree falling, the owner may have recourse against the tenant.


Are you stuck with the replacement value set by the insurance broker - the amount seems exhorbitant and an attempt by the company to increase their rates unreasonably - do you have a recourse?

hire a licensed contractor to assess the replacement cost of your home - then discuss with broker and or company directly


What recourse does a General Contractor have if an insurance company refuses to pat overhead and profit?

ALL businesses/contractors deserve O&P. The insurances charge it in their policies to their insureds and therefore legally are not allowed to keep it; in addition to wanting your contractor to reinvest in themselves to be around to honor your warranty... it is always justified and required. The best recourse is to hire a knowledgeable contractor/business to handle your insurance claim on a contingency basis. Not all contractor's are educated enough to know what the laws are and what they deserve to keep them in business. One is to file a complaint with the insurance department and see how that goes. Unfortunately, this can potentially take some time, sometimes to run through the system and garner results. Regardless of a quick result or slow result, it is a necessary step to keep the insurances from keeping what is not theirs. Another is to invoke the Appraisal provision of the policy (Results vary).


Why must a contractor need to be bonded and insured for you to hire them?

Hiring a bonded and insured contractor protects you from potential financial loss due to accidents, damages, or incomplete work. Bonding ensures that the contractor has the financial backing to fulfill their obligations, providing recourse if they fail to complete a project or meet quality standards. Insurance safeguards against liability for injuries or property damage that may occur during the project, ultimately offering peace of mind and legal protection for both parties. Without these protections, you may be vulnerable to significant risks and costs.


Home Improvement Scams?

While most homeowners want to maintain or improve a home’s market value, many do not possess the skills and patience to perform home improvements projects. Their only recourse is either ignoring the improvement projects or hiring a contractor to do the work.Always investigate the contractor�s credentials and reputation before hiring. Five Most Common Scams IdentifiersWhile it’s possible a legitimate contractor may say or do the things below, odds are that the homeowner is being scammed:In the Neighborhood : While it’s possiblethat a legitimate contract just happens to be passing by while traveling to or from another job and just happens to have the time to pull into a driveway or to the curb and approach a homeowner, odds are that the ’contractor’ who is generous and considerate of a fellow human being to volunteer contact isn’t a legitimate contractor at all. The ’contractor’ may have approached the house and homeowner in hopes of getting inside, not to inspect a repair job, but to scout for theft.Extra Material: Because of price fluxes and inventory control, virtually no contractor orders a significant quantity beyond a current job. If one approaches and says that he or she has material left over from a prior job, the material may have been sub-standard, it was supposed to have been used but wasn’t, shorting the prior customer, or the contractor isn’t legitimate.Cash Up Front: While some contractors do require a down-payment, those that insist on cash only in place of other valid forms of payment are probably scam artists. Contractors who avoid signing contracts are contractors to be avoided.No Identification: If there is no logo on the truck or van or if the contractor just happens to have forgotten his or her wallet license, odds are that the person is there to scam the homeowner. Also, be aware of those logo panels that are removable. Legitimate contractors usually have the business information on the side of the truck or van. They must show the state-issued contractors license number.Today Only: If someone knocks on a homeowner’s door and declares a special discount in a home repair if the homeowner agrees today but only today, odds are that the contractor won’t be found the day after.Signs of Probably Legitimate ContractorAmong other things, a Bona fide contractor will probably:Have the business name and contractor number on the side of the truck or van.Provide a business card upon request or the contractor license information to a homeowner.Not have time for door-to-door sales calls.Be approached by the homeowner, not the other way around.SummaryWhen home improvements are needed or wanted, and the homeowner chooses to hire a contractor, always investigate the contractor’s credentials and reputation before hiring. If nothing else, check with the Better Business Bureau and the state licensing agency for additional peace of mind.


If a contractor does a poor job and has been paid does the owner have any recourse?

Unfortunately, money that has been paid for poor workmanship is probably gone forever. However, if a roof leaks, or the dishwasher doesn't work, or the installed product does not perform as it should, I would definitely seek recourse. But unless the contractor has a sterling reputation that they want to maintain, and some assets, I wouldn't hold out too much hope.


How is a reverse mortgage paid off?

A reverse mortgage can be paid off either by selling the home and using sales proceeds, refinancing the home, or doing a streamline reverse mortgage to a new reverse mortgage program. If the homeowner wishes to move, they can sell and use a reverse mortgage to purchase a new home. If the homeowner has passed away, the heirs have 6 months to refinance the home, sell it, or decide to turn over the home to the lender. If there is negative equity in the home the homeowner or the heirs may turn the property over to the lender and walk away without personal recourse. Reverse mortgages are non recourse loans, meaning the only recourse the lender has for collecting lost funds is against the property itself.


If a contractor does not finish a job what do you do?

The laws vary from state to state, but in most places require a contractor to be licensed. This means you may have some legal recourse other then taking him to court (which could take years) Contact the local bureau of licenses and ask them how to file a complaint.


If father is legally responsible to maintain health insurance for children but drops coverage what is mother's recourse?

Take him back to court.


You own an uninsured vehicle that was borrowed by a driver with out insurance in Florida she got into a no fault accident and the car was totaled. what is your recourse?

Its your fault