What do I do if
Contractor subcontracted without my approval.
Contract may or may not permit subcontracting.
Contractor subcontracted without my approval.
Root cause
Why this happens
Contract may or may not permit subcontracting.
Know the law
Your rights as a Florida policyholder
Contract terms govern. Some contracts prohibit subcontracting.
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- ✓No fee unless we recover more than you were offered
What kind of damage?
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What to do
Solution steps
- 01
Step 1
Review contract for subcontract provisions
- 02
Step 2
Verify subcontractor licensing
- 03
Step 3
Document unauthorized subcontracting
- 04
Step 4
Consider termination if breach
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Dealing with this problem? Free review.
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Similar scenarios
Related problems
Contractor overcharged for repairs.
Contractor billing exceeds estimated scope.
Contractor filed a lien on my home.
Non-payment disputes or payment-per-phase issues.
I signed something under pressure and want to rescind.
High-pressure signing situations (post-storm, contractor visits).
Contractor did extra work without authorization.
Scope creep without change orders.
Contractor left work unfinished and claimed payment.
Abandonment before completion is breach.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the law
Relevant statutes
FS 626.854 Public Adjusters
Your representation rights.
FS 627.70131 Carrier Duties
Statutory deadlines.
FS 627.70132 Notice
When you must file.
FS 627.7142 Bill of Rights
Homeowner claim bill.
FS 626.9744 Matching
Reasonable matching requirement.
Go deeper
Related resources
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See also
Other common problems
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Claim review board escalation process (variant 3).
Another situation Florida policyholders face mid-claim.
I changed address; carrier says my claim is affected.
Another situation Florida policyholders face mid-claim.
A contractor I hired damaged my property.
Another situation Florida policyholders face mid-claim.
Inspection found more damage than the first quote.
Another situation Florida policyholders face mid-claim.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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