Hey, I am involved in a residential insurance
claim. I live in northern Virginia. Basically I had a water leak in my kitchen and damaged the downstairs neighbor's unit. Since I have a gap in my home owner insurance. I have to pay the insurance claim. I don't have problem to pay if they can show me any evidence of damage.
I have paid in half of the insurance claim about 5500$ because I think it is the reasonable cost to repair the wall, ceiling and replace carpets. There are many other strange items on the bill such as old TV, iphone, ipod ...etc
Although it is strange that the owner refuse my help to rebuild or view his unit with the contractor that I selected. I told him that I was willing to pay all cost.
The insurance agent (Liberty Mutual) sent me the bill and asked me to pay. I requested to review the detail billing item with LM's inspector or arbitrator. I have requested many times to go over the document with him and he has showed no interests or wanted to meet me to go over claim in details.
1. LM send a collection agent request me to pay remaining balance. I don't believe that the total number is XXXXX So I said no and request Liberty mutual to give me more details. So Collection agent does not want to wait longer and gave me till last Tuesday to answer them. I said no since liberty mutual are not give me any information at this point.
What is the consequence after I refuse the collection lawyer?
2. What should I do now to prepare whatever happen next?