Am I required to provide receipts, bills and cancelled checks to my insurance company for fire restoration work that was completed by a contractor?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 1, 2012

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Insurance Question from Saint Paris, OH

Asked on 06/01/2012

Am I required to provide receipts, bills and cancelled checks to my insurance company for fire restoration work that was completed by a contractor? I had a home I own restored from a fire by a contractor who is a friend of mine and owns a construction business. I made special arrangements with the contractor to receive payment after the home was restored AND after we sell it. The contractor would make more money that way and it would benefit me for other reasons. The insurance company is saying I must provide him with receipts, bills and/or cancelled checks to receive a settlement payment to prove the work was done (even though they visually inspected the repairs). Am I required to provide these items to receive full restoration payment?

Answer given on June 03, 2012

The homeowner insurance company does have the right to see proof that repairs were made on a home that was damaged by a covered peril. Even though you worked a deal with a contractor friend, he should have records of the work done and materials used to make the repairs. While visual inspection can be a part of confirming the work was done, the adjuster may want to be sure that all work that was needed was done. If someone cut corners to save money it could result in a future loss due to the failure to make the correct repairs at the initial loss.If the work was done properly, and the evidence of payment cn be provided then you will be reimbursed for the repairs, If you did not pay the contractor for the work, the insurance company may be willing to pay them directly. However, they may not pay you or the contractor without proof of the proper work being done.


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