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Asker
Posted 9 months ago.

The insurance company is telling us we need to pay the deductible because the work was sub-contracted to another company. Why do we have to pay the deductible or are they just trying to get us to agree to paying it so they don't have to go after it?

Paul Karl Siepmann
Paul Karl Siepmann, Lawsuit / Dispute Attorney - Patchogue, NY
Posted 8 months ago.

Your insurance company, or the roofing company's?

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Asker
Posted 8 months ago.

Actually, the roofing company didn't send the estimate for damage repair to THEIR insurance company. Instead, they forwarded our request to the sub-contractor's insurance company who told us there is a $250 deductible on the insurance policy and that they were unable to get that from the sub-contractor company (they said they tried and was not successful) and therefore, it is coming of the claim. They mailed us a check for $500 (Estimated repairs were $750). The insurance company said we now have to go after the sub contractor for the difference. Thank you for your help. If it weren't for you, we wouldn't have even gotten the $500.00. Unfortunately, I think the sub-contractor may be out of business. Do you think we can request the contracting firm we signed the contract with to cover the $250?