hail damage to roof / adjuster says $10,000 in damage you have 1000 deductible will pay 9000 / contractor will do it for 9000 do istill owe deductible

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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: Jul 18, 2012

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Insurance Question from Belleville, IL

Asked on 07/18/2012

hail damage to roof / adjuster says $10,000 in damage you have 1000 deductible will pay 9000 / contractor will do it for 9000 do istill owe deductible NULL

Answer given on July 19, 2012

The adjuster has made his determination as to the cost to repair the roof. You have a deductible of $1,000 so you will get the difference to repair the roof.If the insurance company is going to make the check out to you or the contractor, there is no problem. You and the contractor are expected to work out the difference of the deductible. If the contractor is satisfied with the $9,000 then it is settled. The insurance company has still agreed to pay the amount.If the check is to be paid to you and the lender on the home, you could have a problem, as they will want to know the roof is properly repaired. It can be more difficult to get the money to the contractor. However, many insurance companies are making the check to the contractor and the lenders don’t get involved. This is probably a low enough amount that the contractor will be paid.You need to be sure the contractor is doing the same job, with the same quality roofing materials that the adjuster used in his estimate. Don’t get lower quality to save the money. It could cost yoiu in the long run.


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