Insurance claim check is more than the cost of repairs . What will happen?

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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: Jul 21, 2019

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Insurance Question from Aloma, FL

Asked on 07/21/2019

Insurance claim check is more than the cost of repairs . What will happen? Property is in FL. We had a water damage claim and fixed the bathroom and the one bedroom floor that was affected. Insurance sent us a check to replace entire flooring which was not damaged which was not necessary.

Answer given on July 21, 2019

If you received a claim check that exceeds the actual cost of the repairs for your damaged home, you have a couple of options.  You can go ahead and replace the flooring that was apparently deemed to need replacement due to the water damage.  If you do not want to do that, it is recommended that you contact your insurance adjuster and advise that the flooring did not need to be replaced and you have an overpayment from them for the difference.  Ask the adjuster what you should do.  Most likely they will ask that the overage be returned to them.  It is unlikely you will be told to keep the money and it is best that you be up front about the situation.  In the event that there is future water damage and it is determined you did not replace the floor in question but kept the money an issue could arise that might adversely affect any future payments for the home.

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