My question involves business law in the state of: I am the owner and service technician of an established commercial refrigeration co. I inspected, acquired all parts and
equipment needed and provided the required work to repair a walk-in cooler refrigeration unit as verbally agreed to by the customer. After work was 100% completed to the
customer's satisfaction, I was directed to submit all paperwork to an insurance company that " covered " the business and was empowered to complete a payout for my work.
After dealing only with the primary " information gathering service " by phone and fax, I found out the claim was settled completely and that my amount submitted was
paid in full, with no questions or comments. I waited a reasonable amount of time and never heard from customer. Phone calls [ to voicemail ] and text messages went
unanswered. The customer finally notified me of their decision to make good and we met. I was told, point blank, that they had no intentions of paying my bill in full and want
only to remit approx. 30 %. This amount was the original " guesstimate " of damage without any actual teardown or testing. The insurance company agreed with my final
billing amount, which included breakdown costs, report of reason for failure and applied credits as I saw fit.
As of today I am out the total amount of 4800.00 with no more offers to just forward the amount the insurance co. paid out, the entire 4800.00.!!!!
So, my question is this. Since the customer validated the work I supplied and signed off on the insurance claim, and since the insurance co. agreed with my numbers
and, WITHOUT ANY INQUIRY OF LOCAL AVERAGE INDUSTRY COSTS, ETC. and paid in full.....where do I stand??? Is this misappropriation or misdirection of intended funds
and therefore indicate insurance fraud? If so is there a time limitation to seek payment in full using the insurance point ?
I am SOOOOO tired of being cheated out of legitimate receivables, I am ready to throw in the towel. Thank you for any guidance. By the way, work performed in
Chicago and insurance co. in Conn. If it matters ???