Roofer nightmare or overly concerned customer?

Question

Am I overly worried or does the following spell trouble for me? After our home took a hit from softball size hail, (no kidding - I still have some in my freezer) we hired a contractor to replace the felt and shingles. Our insurance company and this contractor began to fight - each calling the other a crook. The contractor said he did not know we had Premium Architectural shingles and put in a bid for cheaper shingles. He had made the excuse that our type of shingles were no longer available.We corrected the contractor and the bid was resent. Then he called yelling that the price of shingles skyrocketed and that he needed more money. The insurance company mailed us the check and we gave half the money to the contractor to begin the job. Now the insurance supervisor called and said they paid out too much money and tried to put a stop on the check they issued us. The contractor sent 10 guys out who did the job in one day and we have not heard anything from either side. In the mean time I found out from my local lumber Co. that our original shingles were always available to order. The new architectural shingles the contractor put on look horrible as they did not reapply them in the original staggered pattern. We are afraid that the insurance company is going to try and take money back from us and the contractor is going to ask us for more money! Is there an agency that governs insurance and or contractors out there? Your time and any advice is appreciated!

Answer 1

The agency that governs insurance, is your state insurance department.  It doesn't sound to me like your problem is with the insurance company.

But you've got a rotten job, from a dishonest roofing contractor.  I would NOT pay them the other half, until they do the job right.  You NEED that staggared pattern, it keeps the water out of your house!!!  AND, if you have to hire someone else to fix the job, you'll need to sue the roofer for the extra money.

But the insurance company isn't going to pay you TWICE, because the roofer did a rotten job.