Can a contractor I hired and my insurance company talk to each other without my consent?

My home owners insurance company approved a new roof for my house. I hired a contractor and he completed the work. I have paid him the full amount of the contract we had. After he received my payment he called my insurance company to see if they reimbursed me for the ice and water shield the roofers put on my roof. My insurance company not only told him that they had, but they told him how much they reimbursed me for it. Now the contractor is calling me and sending me invoices for the amount that the insurance company reimbursed me. Isn’t it illegal for the contractor and the insurance company to share information with each other about me and my claim without my consent? If so, what could the legal consequences for them be?

Asked on October 19, 2017 under Insurance Law, Kansas

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 3 years ago | Contributor

Unfortunately, they can talk to each other without your consent, and even share information. Anyone may speak to anyone else, or share information, unless there is some written confidentiality or nondisclosure agreement preventing this. Confidentiality is not the norm; except for a few specifically defined things (like no disclosing another's SSN), any information may be discussed and shared so long as there is no agreement to not do so.


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