I had a roofer stop by after a storm and ask if he could take a look at my roof - unfortunately I said yes. After his inspection, said he could get me a new roof for virtually nothing. He had me sign something saying he could contact my insurance company. After speaking to my insurance company, he called me and said that he had taken care of everything and that even though my deductible was $3000, I was only going to have to pay $1225 because he was going to use other things, such as my shed replacement allowed by insurance, as the other part of my deductible. I am not comfortable with him so I chose to cancel. He said I owe him 25% of the claim since I signed that first piece of paper. On the back of that paper, it does say that. Unfortunately I did not see that from the beginning. Is there anything I can do?

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.