The check has my name and the contractors name on it.I would like to pick out my own appliances and lighting although I would need to cash the check first to do that. Would there be any legal reason why the contractor would not sign the check before the work is done?
2007-08-12 13:10:10 · 4 answers · asked by sunnyday 1 in Business & Finance ➔ Insurance
The estimate that the contractor gave me did not state the type of appliance s or lighting. I would like him to install but I would like to choose my own.
2007-08-12 13:23:11 · update #1
You can do one of two things - ask the adjuster to reissue the check without the contractor's name on it, or ask them to reissue, splitting out the appliances and lighting and naming only you, from the labor, naming you AND the contractor.
The contractor might not sign off on this, being afraid that you'll stiff him for the labor.
But the adjuster can ALSO reissue, and name the mortgagee on the check, which will be more of a pain from your point of view than naming the contractor.
2007-08-12 14:12:00 · answer #1 · answered by Anonymous 7 · 1⤊ 0⤋
Talk to your contractor about how to handle it. Usually the contractors have you pick out your own appliances and fixtures any way.
If your home has a mortgage on it - usually the insurance company makes the check out to you and the mortgage company. It can be a hassle to get the mortgage company to endorse the check. Frequently you have to mail the check off.
It sounds like the insurance company may have tried to make your life a little easier by putting the contractor on the check. The contractor will not sign off on the check until the work is done. This way, the insurance company can make sure that the mortgage companies interest is protected with out having to list them on the check.
Most likely the insurance company would only be willing to re-issue the check payable to you and the mortgage company - and will not issue it to you only.
Talk to your contractor about how the appliances and fixtures will be handled. He's answered this type question before.
2007-08-12 16:05:55 · answer #2 · answered by Boots 7 · 0⤊ 0⤋
Sure because as you just stated you want to go out and start spending it the contractor wants his share there for him when the job is finished.
2007-08-12 13:14:51 · answer #3 · answered by Anonymous · 0⤊ 0⤋
the contractor does not have to be on the check. depending on the state, the leinholder does.
2007-08-12 16:51:10 · answer #4 · answered by barryfl 2 · 0⤊ 0⤋