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Question DetailsAsked on 10/17/2017

Our insurance adjustor is also a contractor sent by insurance company...good or bad?

Went through hurricane Irma with wind damage to roof of our mobile home park company sent a contractor who is also their adjustor. He has established an estimate of damage and will be the company that he says will do the job for that amount, which has not been disclosed to us. He will file his estimate of damages with the insurance company for the roof and asked us to sign off on him doing the work so that he can start to pull the permits, we do not know his pricing. Can we get other bids for the work.

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Guess my response did not make it into the system - long answer short, this sounds downright unethical and a blatant conflict of interest to me, and I would be talking to the state insurance commission or the insurance head office about it. Plus an insurance company would have to be morons to allow the adjuster (who establishes the claim payment amount) to also be the contractor - no real restraint on him cranking the loss amount up artificially to put more money in his pocket. Course could also be the insurance company does not know he is trying to work both sides of the street at the same time - as adjuster and contractor. It could also be he is an out and out scammer telling you he comes from the insurance company but is actually just a contractor trying to get you to sign a committment to using him, which he will then submit to the insurance company as an estimate to get them to approve the amount. You can find a lot of previous questions with answers about storm chasing roofers and premature committments to contracts without even knowing the estimate or insurance coverage - and worse yet, many of them make the contractor your legal agent fo the claim, giving them complete control and direct receipt of the payment - BAD idea.
Yes you can get your own contractor, though up to him whether he will accept what the insurance company offers as payment (plus your deductible and any amortization amount, which come out of your pocket).

Answered 2 years ago by LCD

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