my contractor showed me a lot of unforeseen damages in my home that totals out to be more then what the insurance company is paying out

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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: Nov 9, 2013

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Insurance Question from Atlantic City, NJ

Asked on 11/09/2013

my contractor showed me a lot of unforeseen damages in my home that totals out to be more then what the insurance company is paying out the contractor gave the insurance company the unforeseen contract for more money they don't seem to want to pay so what do I do if my home is only half done.

Answer given on November 10, 2013

If additional damage is found on your home while the work is being done, the insurance company should be willing to pay for the additional work. You need to be sure that the additional damage is caused by the loss that the repairs are for. If this is existing damage from previous damage, or for damage not covered by the policy, then your insurance company would not pay for the damages.Talk to your adjuster to see why they are reluctant to pay for the additional damage. Also, talk to your contractor to be sure it is damage that should be covered by the insurance company. After doing this, if you are still not getting satisfaction, ask to speak to a supervisor at the insurance company and see if they can help you get the additional work covered. If you have an agent, ask them to step in on your behalf too. They should be able to assist in this situation.


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