My Insurance Haven Everything you want to know about insurance

1. 

   Not I
   April 27th, 2010 - 07:21

   Sue him. Tell his company that the contractor is 100% liable and you will not settle for less then a new roof.
   Those insurance words mean nothing to you and you will see the contractor in court. Call the local Building code enforcement office and get an inspector out there
   If you do call your insurance company their lawyers will go after the contractor and his insurance company. There will be no raise in your insurance.
2. 

   mbrcatz
   April 27th, 2010 - 07:47

   You can’t make sure he actually pays for anything.

   You can sue him, but state law would say how much he has to pay.

   The safest thing, is to file the claim with your insurance company, and let them chase him down, assuming there’s a lot of damage. If the damage is under $1,000, then you just have to trust that his insurance will do right by you.

   But if your roof was old, and needed to be replaced ANYWAY, they don’t pay as much as they would, if your roof was brand new. THEY don’t have to pay replacement value – legally, they only have to pay actual cash value (replacement less depreciation). They pay what it’s WORTH. Only YOUR policy has to pay for replacement value, IF you have that kind of coverage.

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