Insurance Deductible Question
I’m currently dealing with a roof repair claim and have just received approval for a full roof replacement. However, the check I received appears to exceed the total amount of the contract. My understanding was that I would need to pay my deductible first, and then the insurance company would cover the remaining costs.
I still have some interior repairs to take care of, but I’m uncertain about how to pay my deductible and who to direct that payment to. Unfortunately, my insurance company hasn’t provided clear information, and I want to avoid any complications in the future.
If anyone can offer guidance on where my deductible should go, I would greatly appreciate it. I’m located in Pasco County, Florida. Thank you!
It sounds like you’re in a bit of a complicated situation with your roof replacement claim. Typically, your deductible is the amount you are responsible for paying out of pocket before your insurance coverage kicks in. Here are some steps you can follow to clarify your situation and ensure you handle your deductible correctly:
Review Your Policy: Check your insurance policy for details on how deductibles work. It will outline your responsibilities and what is covered.
Contact Your Contractor: Reach out to the contractor handling your roof replacement. They can guide you on how the payment process works, including where your deductible fits in, and what invoices you need to provide to your insurance company.
Payment Process: Usually, your deductible is paid directly to the contractor. If your insurance company sent you a check that exceeds the total of your contract, you might want to confirm the breakdown with the insurance company and your contractor. Make sure they agree on the amount due, including your deductible.
Communicate with Your Insurance: Since your insurance company has not provided clear answers, continue calling or consider requesting a supervisor or a claims adjuster who can help clarify the details. Make sure to document your conversations.
Keep Records: Save all correspondence related to your claim, including checks received, communications with your insurance, and invoices from your contractor. This will help if any disputes arise later.
Consider Local Laws: Since this is a homeowners’ insurance issue in Pasco County, Florida, you might want to consult with a local attorney or a public adjuster who can provide guidance based on state laws.
By following these steps, you should be able to determine exactly where your deductible goes and avoid any potential issues down the road. Good luck with your roof replacement and the rest of your repairs!