Damage to home

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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: Feb 15, 2013

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Insurance Question from Cherry Hills, CO

Asked on 02/15/2013

Damage to home My insurance co. approved a new roof be done on my house, in addition there was damage done to the siding i should also mention damage was assessed by an adjuster the roof is complete my question is the additional work Hans't be done yet and the insurance co wants us to get an estimate and send it to them why do we need to do this when the adjuster has already said what the cost is going to be? thank-you.

Answer given on February 16, 2013

If your home is damaged and an adjuster comes out to assess the damage and make an estimate, they are sometimes an independent adjuster, and not an employee of your insurance company. Occasionally the insurance company will ask for a separate estimate for coverages or damages if the total loss is higher than a certain dollar amount to be sure everything has been reviewed.You should call your insurance company and ask them why a second estimate is needed before they will approve the additional work be done. It could be a simple oversight that the original adjuster made this estimate, or they may feel something could have been overlooked by the adjuster. The company should be able to explain their concerns to you.While the estimate may take some additional time, it should not affect the overall settlement of the claim. Find a contractor you trust and get the estimate to move the final settlement forward.

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