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Question DetailsAsked on 4/18/2016

How can we make substitutions without approval 75 items Insurance wants exact type, cost, amount Even with same $

Home insurance. gives me a set amount of money for the property damage job, to be paid in full at completion.

It also specifies 75 items, amount, type, and cost of each. If there is ANY change in the type, amount, or cost of any item I have to get approval from them. If I choose to forgo an item and use that money elsewhere on this job, I cannot do it even if I stay within their $ amount. They say they will inspect the job after it is done to make sure everything conforms to the exact specifications or they don't pay.

Found an A contractor, how can I ask him to do that enormous amount of extra work, to reconcile every nail, board, every item he uses with the exact insurance company specs?

Many materials the insurance co wants me to use outgas toxins for years, I am sensitive to that. I am willing to forgo some things, for instance less cabinets and a floor, to pay for better quality in other materials, so I don’t get sick.

How do others handle this? I really need help Thanks.

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