home insurance new york state
If I disagree with the estimate of the damage, what should I do?
I accidentally damaged my neighbor's yard. About six shrubs were damaged. The homeoweners have insurance for your home, and the insurance company estimates it would cost $ 700 to restore the yard (including $ 500 for labor cost). However, your insurance plan's deductible of $ 1,000, so you will not receive money from them. He wants me to pay the money. The estimate than I guess, so I called a couple of landscape companies, and their estimates were different. It would be less labor, so total costs would about $ 350. I asked if the homeowner can choose a landscaper to do the job, but was not happy about that. I think he intends to do the work itself same to save money. Price shrubs not to exceed $ 150. Should I give him $ 700? Or would it be better if I go to court? I need an attorney for this type of matter? Thanks for your attention. Ps I live in upstate New York.
First of all, did not give him cash. He could take the money, hire at a price (suit, or his nephew) and pocket the difference. If you pay, you will pay the contractor directly, and you are the maintenance of receipt, not him. You is the client here. Secondly, I would check and see if the "accidental damage" is such that it could be held legally responsible for it. Third Instead, if your insurance company for payment, they would pay for the CHEAPEST estimate, not the highest. So do not feel obliged to fly in some suit Hollywood fantasy. So, if it were me, I would say, hey, sorry, I'll pay (lower estimate) as well as their company insurance would, but only if you hold me harmless for all damages, and sign this form. jBecause otherwise, you can return to next year in search of more. And you pay nothing is more of what you'll get nowhere. You * may * want to make the offer in writing, certified return receipt, because if it is sued on it, you'll have to prove that you tried to solve it fairly.
