If my insurance company referred a company to repair my roof but they did a poor job, what are my rights?

UPDATED: Oct 1, 2022

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If my insurance company referred a company to repair my roof but they did a poor job, what are my rights?

I called my insurance company about my ceiling falling in my kitchen. I was told that my roof would have to be repaired before work could be done to my ceiling. I was told they would not be responsible for my roof if it’s regular wear and tear. One of the agents referred a roofing company to me and I called. He charged me

$1700 to repair the roof. This was 9 months ago. Unfortunately, it is leaking again and the company that was referred to me is not responding. I talked to the agent and she replied there’s nothing they can do. However, she’s the one who referred this company.

Asked on December 16, 2018 under Insurance Law, Maryland


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 4 years ago | Contributor

A referral does not make the agent or the insurer responsible for the negligence, or carelessness, of a roofing company they do not own or control; the roofing company is responsible for its own actions, and so for the sloppiness of its repairs. When you pay someone to do work and they do not due it rightk they are liable for the consequences. You can sue the company for having done negligent, or careless, work, to get the cost to repair the roof correctly and to correct any other damage done (you would need to be able to prove these costs in court, such as with estimates or paid invoices for work you had done).

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