My name is ***** ***** I'd be happy to answer your questions today. I'm sorry to hear about your situation.
First, you cannot be charged with insurance fraud because your contractor didn't do the work you paid him to do. Fraud requires intent and evidence of collusion, plus, you'd have to have kept the money. There's clearly no benefit to you in the scenario you've described, so no reason for anyone to accuse you of fraud.
You can, however, sue the contractor for breach of contract if they're not doing the work you paid them to do within a reasonable time. They also need to fix the additional damage you caused without charging you for it. And if your estimate was for everything, including garage doors and solar panels, he needs to do them or pay someone else to do them for you.
If talking to the contractor doesn't help, and the threat of suing doesn't get him to do the job he's been paid for, you can go to court. You may also want to consider contacting the State Contractor's Board and see if they can help you. Sometimes they'll assist with mediation
to resolve disputes out of court and get your money back.
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