How do you bill and insurance company for work?

[joulian]

I had my house damaged and we had to reframe the roof and reshingle it. We did it ourselves and of course hired some guys to help us out. I mostly supervised to make sure it was going as should be and I bought materials and all as well. What I am wondering is how do i invoice the insurance company now. I have never had an insurance claim ( been very lucky for a long time I guess ). I don't now how to do this. Do i just write my name on the invoice and write an amount on it? I looked up the price and asked some contractors in town and they told me X amount. Is that what I need to stick too?

 

[ecmst12]

Since you did not pay for labor, you send them the receipts for the materials you bought. You can also include the people you hired.

They will not be happy that you did not have them inspect the damage before the repairs. Did you pull permits for the work?

 

[joulian]

No, they inspected and issued a check, but withheld 20% depreciation.

My time is money too, I had to take off work to fix house.

I am wanting to bill them the average local price this way they can close claim and I get the rest of the depreciation.

 

[tranquility]

Even if a person drove a car into your house, the TIME you spent repairing things would not be compensated for if you sued him. Your time means nothing in this situation.

I'm thinking you have been paid the entire amount of your claim from the way you described it. While I don't know the riders on your insurance contract, insurance usually compensates you for the depreciated value and not to be made new. Did you sign any release, including under an endorsement on the back of the check, saying your claim is settled?

 

[justalayman]

I am wanting to bill them the average local price this way they can close claim and I get the rest of the depreciation.

but that isn't what it cost you. Unless you are a contractor billing for services or have an agreement with the insurance company, you don't get to bill them for your time.

 

[joulian]

As mentioned already, I received 80% (20% after completion of that 80%). I hired guys to do work not one single company per say. When they finished , if they did the work to my standards then I paid them. I part in this was supervising and making sure they came to work and if they need materials etc..

 

[justalayman]

As mentioned already, I received 80% (20% after completion of that 80%). I hired guys to do work not one single company per say. When they finished , if they did the work to my standards then I paid them. I part in this was supervising and making sure they came to work and if they need materials etc..

Your part was as the homeowner. You don't get paid for your work on your own home. The insurance company may have a problem with the repair even as it is. They often require a licensed contractor to perform the work.

Other than just simply asking them, I do not believe anybody is going to be able to give you an answer you want to hear. You are not a contractor. You do not have billable hours.

with that said; ask your insurance company if you can charge, at least, for your lost time from work. If they say no, I do not see a possible argument against it.

 

[Zigner]

For reference...the OPs first thread: https://forum.freeadvice.com/homeowners-insurance-80/paid-but-no-work-done-yet-spent-573834.html

 

[ecmst12]

That's not his thread, he just hijacked it.

 

[CoveredClaims]

How do you bill an insurance company for work

If they paid you for your claim there must be a written an estimate. If you don't have it, ask your adjuster for a copy. Look at their estimate and see if they missed anything that was needed to repair the damage. If they did (and they often do) you can usually get paid for things their adjuster missed in his estimate. In insurance lingo it is called a supplement. That is probably the only way you will get additional money from your insurance company.

 

[Zigner]

That's not his thread, he just hijacked it.

Oops