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...

Full Bio →

Written by

UPDATED: Mar 24, 2014

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Statesville, NC

Asked on 03/24/2014

While Our home was going thru foreclosure we had a kitchen fire. Our insurance company at the time issued a check for the damages less the deductible. We could not find a contractor who could do the repairs for the amount of the check. During the foreclosure process the check was misplaced. Home out of foreclosure now. Check over a year old. Cant insure house with open claim but old ins. Co says let your new insurance co. handle it. What do we do? Can the check be cashed?

Answer given on March 31, 2014

If you suffered a covered loss to your home and the insurance company issued a check for the damages, then that insurance company must see the claim through.If you misplaced the check that was issued, then the insurance company needs to replace the check. If you have since found the check, it may be too old to be cashed. Talk to your bank and see if they will honor it. If not, get a replacement check from the insurance company.Your new insurance company will not pay for a claim that was already settled and a check issued. In addition, the claim did not occur while they were insuring the home, the old insurance company is responsible.If you cannot make the repairs due to insufficient amount from the insurance company you should have the contractor talk to the insurance company. Of course, if the shortage is due to the deductible on the policy, then the insurance company will not be willing to increase the settlement offer.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.