Sure. If you do not maintain the property you can expect any insurance company to cancel your policy. Maintenance is not covered by a homeowners insurance policy but lack of proper maintenance is a definite cause for cancellation. They do not want to insure a property that is not kept up. The term insurance companies use is pride of ownership. This shows that the owner cares about and for the property. If the roof already needs replacing the next time a small storms comes also comes a claim for a roof that should have already been replaced.
after an insurance company is involed after a road traffic accident can i refuse thier offer and do the repairs myself
If you want to collect the depreciation your insurance company withheld from your claim payment you must make the repairs to your home. After you make the repairs contact your insurance company and they should issue a check for the depreciation.
Some insurance adjusters will write you a check for the immediate repairs that are noticeable, However generally there are many repairs the adjuster does not notice until after the job is complete and or the job costs more than what he has allocated in any event you have the right for a reconsideration on all aspects. If the insurance company fails to fund as needed contact your state commissioner of insurance he/she will be glad to investigate the insurance company .(Insurance Companies worst nightmare because if they have many complaints the insurance commissioner can bar them from soliciting or providing insurance with in the state. Hope this helps
Just contact your Home Insurance Company and ask them about it. Many companies are fine with this for small claims or minor repairs.
In my experience, in a number of countries, Auto Insurance companies will not pay for repairs unless the repair is result of an accident. Then only what the car is worth.
The insurance wreck does not go up because of your accident to get repairs on your vehicle. Your insurance increasing only when you are at fault. If you weren't at fault then you pay the deductible and your insurance company would fight for you to get it repaired.
The insurance company issues the check in both names, because there is still money owed on the vehicle. In which case, you would not be allowed to make your own repairs.
Not sure I understand the approve part because the car must be fixed. I would either contact your insurance company for help or get a body shop that will automatically bill the insurance company.
Talk with the adjuster and explain the situation and I'm sure they will work something out. They may still have to issue the check to you and the lienholder because you are the person who has the contract with the insurance company.
I think this depends on the insurance company. When I was in an accident (I was at fault), the insurance company required my collision deductable up front before they started repairs on my car.
By providing them with proof that you have already made all repairs.