What obligation do i have to a contractor that I told could do the work on an insurance claim?

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A contractor pointed out that I have hail damage on my siding, and that my insurance will cover it. He will also negotiate with the insurance adjuster to work out a price for repairs (re-siding my entire house). But, the more I think about it, if the amount that the insurance will provide for the work is signifigant, I may tell the contractor to have a nice day and do the work myself. Using the extra money to buy windows. I just don’t know if there is legal issues with doing this?

  1. Reply
    October 23, 2011 at 11:25 pm

    If there is no contract, there is no obligation, unless you verbally said he can do it. A verbal contract can be binding in law, but it’s his word against yours.

    Did you give him a go ahead and has he talked with your insurance company already?

  2. Reply
    October 23, 2011 at 11:27 pm

    Ethically, if you asked him to do the upfront work with the insurance company, you probably ought to let him do it. Otherwise, he was looking out for his bottom dollar, so why shouldn’t you. It’s not like he’s doing this for YOUR sake, right? But, if he’s a contractor you would like to use again, you should prabably maintain a good business relationship with him.

    Legally? I don’t know but I would think that unless there was a written agreement there would be doubt about your having to hire him. YOU paid for the insurance. Not him. On the other hand, if you told him, “check into it and if they are willing to pay for it, then you can do it” would be a verbal agreement.

    Probably ought to speak with a lawyer or go to All Experts . com and see what someone there says:

  3. Reply
    Dave W
    October 24, 2011 at 12:20 am

    If you just told him that he could do the work and now you have second thoughts. You should let him know and you want to have other contractors bid on the job!

  4. Reply
    kirby t
    October 24, 2011 at 12:21 am

    Most smart contractors will have the check sent in BOTH names. You will go thru hell and high water to get htem to send a new one. Make sure to get at least 2 or 3 estimates and keep in contact with the claims adjuster YOURSELF ! ! ! Do not let the contractor do your job. Don’t offer any unneeded information to the insurance company. Just file the claim and you decide what to do with YOUR money.

  5. Reply
    October 24, 2011 at 12:59 am

    Do you know this guy? It doesn’t sound like the damage to your siding is that bad or you would have noticed it yourself. Was this guy just out cruising the hood and pulled up to your house or was he working on your house? If you don’t know him and he did just show up and bring it to your attention I would be very careful here. He might find more things wrong than you are prepared to deal with, you know like stuff your insurance won’t cover.

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