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 11, 2013

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Insurance Question from Cheltenham, MD

Asked on 06/11/2013

if I have paid the contractor and full amount of the contract and insurance company over paid the amount can I keep the money or give it to contractor my roofing contractor States I owe them more money but I pay them the full amount of the contract but the insurance company gave more money than the contract required. Can I still keep that money they insist that I owe them the money. I need help

Answer given on June 17, 2013

If you worked out a settlement for damages to your home and your insurance company made the check payable to you, and not your contractor, then it is your responsibility to pay the contractor.If you have a copy of the bid from the contractor for the repairs showing the amount to be the amount you have already paid them, they must show a reason for the cost being increased. If they can provide this increase, then you will owe this amount to the contractor. If the amount owed is equal to the overpayment you think you received from your insurance company, then you must use those funds to pay the contractor. If there is an additional amount due from the insurance company, you should discuss this with your adjuster to try to get some additional funds.If you do not work out a settlement with the contractor, they may place a lien on your home until they are paid. Discuss the overcharge with them and settle this before it becomes a legal issue between you and them.


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