I have been given excuses, have got ten constant no-shows, at what point should I contant the insurance company. Any advice from past expereience, insurance, or contractor issues would be MUST helpful.
2006-08-23 02:42:11 · 12 answers · asked by Anonymous in Home & Garden ➔ Maintenance & Repairs
The insurance company won't care that the contractor hasn't done the work. Once that check is paid out, it becomes YOUR responsibility. What you should have done is paid a deposit for the work to start (generally 1/3 of the total agreed on). Keep an eye on how the work is going, whether the contractor is doing a good job. About half way through (framing and walls finished. All electrical and plumbing in place. Floors redone.) the contractor should approach you for another 1/3 payment, in order to buy cupboards and appliances or counters. Give him this. The final 1/3 should be profit, and is payable when the work is FINISHED. Only if you're satisfied...if you find a problem, have them fix it.
Never, ever pay the full amount agreed upon up front. You will probably never see any work done, because your scam artist of a contractor has already spent your money on other things. Take him to court. AND USE A LAWYER.
2006-08-23 02:55:38 · answer #1 · answered by Anonymous · 0⤊ 0⤋
The big question for you is was the work that the contracter did--was that the reason for the fire? If so, you should have your insurance company assist you writing a letter or i suppose they may even write a letter.
Contact your insurance company & tell them you want an inspection done--you said "small" so is that you have to replace a lot or small as in size but not damage.
Basically you should look at, is the cost of fixing what the fire did worth paying the deductable to your insurance company and is it worth your time? Because eventually the insurance company will get paid back but you'll probably never receive your deductable back.
The insurance co. would most likely, if they find the contracter's work to be at fault, go after the contracter. Again, this won't affect your deductable.
So you should really go to work and figure out who caused what with the professionals and then figure out if its worth it or not.
Good luck
2006-08-23 02:48:48 · answer #2 · answered by belligerent assistant 5 · 0⤊ 0⤋
Was the damage looked at by an insurance adjuster? Where did the check come from? Was it in your name or the contractors? Contact your insurance company, and let them know what is taking place. The adjuster and the contractor should have met to look over damages and agree on the costs.
2006-08-23 02:51:07 · answer #3 · answered by Why_Am_I_Here 3 · 0⤊ 0⤋
If this is an insurance claim, YOU should not have paid anyone.
Call your insurance company RIGHT NOW. You should never pay in advance for work that hasn't been done, a deposit, yes, but you're asking for trouble when you pay a contractor in advance. Call your insurance company, and let them handle this.
2006-08-23 02:48:57 · answer #4 · answered by KB 6 · 0⤊ 0⤋
I would give him 24 hours to respond to this.......
I have tried contacting you several times to no avail in getting this job done. You have signed and cashed the check. You promised to be here and you are not. You have 24 hours to either start my job or bring the money back. If you do not contact me within 24 hours, I will be forced to file a lien on your property, and make a complaint with the better business bureau. Then I will take you to small claims court where I can sue you for double of what you were paid!
That should take care of it!
2006-08-23 04:57:48 · answer #5 · answered by rdhedhottie 5 · 0⤊ 0⤋
I wouldnt wait any longer. I would contact my insurance Co. and find out who else you could file a complaint with. The contractor should not have been paid in full. Was he?
2006-08-23 02:48:28 · answer #6 · answered by Zakos the greek 3 · 0⤊ 0⤋
What do you want to complain about? The contractor not showing up, or how dumb it is to pay a contractor before he does the work?
The insurance company may not want to do much. They paid, that's all they have to do.
If your state licenses contractors, complain to the licensing board.
File a criminal complaint against the contractor for larceny by fraud. That will get him moving.
2006-08-23 02:47:54 · answer #7 · answered by thylawyer 7 · 0⤊ 1⤋
Next time, don't pay first.
Complain now. Loudly. And long.
Get a refund and find someone who likes to do small jobs and has time available. Look at their other work. Match the job to the size of company doing it.
2006-08-23 02:46:50 · answer #8 · answered by nora22000 7 · 0⤊ 0⤋
Call the insurance company
2006-08-23 02:46:48 · answer #9 · answered by Nana 6 · 0⤊ 0⤋
NOW.....maybe the ins company can get his butt moving or get a refund. HOPEFULLY you didn't give him cash. You shouldn't have paid him until the work was complete. Only a small fee in the beggining, if that.
Don't wait any longer.....contractors go out of business or move everyday.
2006-08-23 02:47:36 · answer #10 · answered by jescl32 3 · 0⤊ 0⤋