what if you don’t make repairs after receiving the insurance claim money?

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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: May 1, 2013

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Insurance Question from Plano, TX

Asked on 05/01/2013

what if you don’t make repairs after receiving the insurance claim money? received payment for hail-damaged roof claim, but did not replace it.

Answer given on June 24, 2013

If your roof was damaged, and you submitted a claim to your insurance company, and they made a payment, you are expected to make the repairs with the money provided by the insurance company.If you did not repair the roof, and you have another claim for hail damage to the roof, your insurance company can deny the claim for damage to the roof, as well as any additional damage to the interior of the home, since the repairs were not made. If the insurance company makes an inspection of your home, as they often do, and they see the roof damage, the insurance can be non-renewed due to the condition of your roof.You should find a contractor to make repairs to your roof. You may be able to find someone who will do the repairs for a lower amount than your insurance company estimated. That is acceptable, as long as the repairs are made.

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