company but work was never completed. Is this legal to get money from insurance and never use it for what it was claimed. His insurance paid him now they are suing me for the the money back to insurance. I would not have a problem if the money was used to repair his roof but it was not, you meant to tell me nothing can be done about this. It sounds like fraud to me!!!!!
He received a larger payment than I did and I had the fire. It seems like I had to account for every penny that was used and how can he account for something not done.
It sounds to me that you are mixing up the issues here. Your neighbor had a separate claim. What he did with it is his business. What you did with your claim is your business. If you were the cause of the fire and it can be proven, your neighbor's insurance company has a right called "subrogation" and it can sue you in your neighbor's name to collect the money it paid to the neighbor. There is nothing fraudulent about this. Whether or not your neighbor uses the money he got for the repairs, is up to him. You can be paid, for instance $10K for your car, if it was stolen but that doesn't mean you have to use the $10K to buy a new car. The damages are the damages, the payment is for the damages, not necessarily for the repairs or replacement. If the neighbor wants to do a shoddy patch job and pocket the balance, that's a choice he's allowed to make.
Your insurance company should provide a lawyer and defend you from liability if the fire wasn't your fault. If it was your fault, it should be covered by liability insurance. Let the insurance company handle it for you and cooperate with them. You'll be fine.
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