is it ethical or a conflict of interest is the same company to do the claim work on the property and they are the insured’s tenants.>

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

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: Feb 7, 2013

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 Mount Holly, NC

Asked on 02/07/2013

is it ethical or a conflict of interest is the same company to do the claim work on the property and they are the insured’s tenants.> renter - is also the contractor performing the work.

Answer given on October 14, 2013

If there is a covered homeowner loss and the insurance company accepts the estimate for the work to be done, there is no problem with the insured or their tenant to do the work.The insurance company will expect the work done to be done as expected and proper permits and materials used. If the tenant of the property owner can do this, then there should be no problem.However, if the work done is sub-standard, then the insurance company may refuse any future claims due to the work done. The policy specifically excludes faulty construction, so ensuing damage will not be covered.Make sure the tenant is licensed or approved to do the work. The local jurisdiction should review the work as it goes forward, if permits have been pulled, but that would not necessarily avoid future loss refusal by the insurance company.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of 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 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 to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption