Legal Question in Insurance Law in North Carolina

I have a mobile home in n.c. a few months ago lightning struck my heat pump destroying my unit inside and out. I called my insurance company and filed a claim.

They sent me paperwork to be filled out by my contractor. After doing the paper work, i was told if i used my contractor i had to pay upfront before they would reimburse me, all i would have to do is send the receipt. I borrowed 4500 and paid my contractor. I sent in rcpt. Adjustor then tells me a cash rcpt. is not acceptable. I have read my policy and nowhere does it say cash rcpts. only. now i have no heat or air and am paying the 4500 back. Also no insurance company in n.c. that i have contacted, has never heard of cash rcpts. not being accepted.

Asked on 3/07/13, 1:40 pm

1 Answer from Attorneys

Kenneth Love Ken Love Law

Call them back and demand proof of their claim. If this doesn't work, call the NC commissioner of insurance and file a complaint.

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Answered on 3/07/13, 2:20 pm

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