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 30, 2013

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Insurance Question from Chelsea, MA

Asked on 07/30/2013

What if we don’t necessarily want to replace everything that the insurance is covering? For a flooding claim, they covered baseboards that we don't actually want to replace. Would we forfeit the money earmarked for those repairs if we don't replace them, or do we get the money for the repairs either way? Thanks!

Answer given on October 21, 2013

Each homeowner insurance company handles the settlement of claims in their own manner.Usually they will send an adjuster out to make an estimate. They will then have you find a contractor to make the repairs. The company may ask for an estimate from the contractor and make the check payable to them. If the contractor provides a different estimate that is higher then they and the insurance company will negotiate the repairs. Sometimes the check will be sent to you for the repairs. If you get the repairs made for less than the estimate you can usually keep the money, unless the insurance company asks for an accounting of the repairs.It is also possible that the insurance company will make the check to you and your mortgage company. You will then need to have the bank sign off on the repairs. This is a more complicated way for a claim settlement way to go since it is hard to work with the bank.Ask your adjuster how they will issue the repair check before you decide upon what you will be doing for the repairs.


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