Thanks for reading.
My questions are:
1> Can we paint the small area, around the electrical outlet, ourselves, and save the money for painting the entire room, and are we allowed to keep the money, without notifying the insurance company, of the reduced cost, or that we are trading in our labor for the contractor payment?
2> If the payment to a roofing contractor is now less than what the insurance company paid us, say, for the same itemized services, are we allow to keep the difference?
3> If the roofing contractor comes up with items less than what the insurance adjustor came up with, e.g., say shingles have not been damaged, or sheathing is fine, again, are we allowed to keep the difference? The emphasis here is that I do not want, say, god forbid, another similar weather-event strikes the same part of the house, in the future, and the damage is far worse, that the insurance company comes back and says that you are not covered since you did not make all the repairs per the payment they sent us.
4> If the electrical contractor for checking all electrical circuits deems that a full check is not necessary, and the charge is far lower than what the insurance company paid us, can we keep the difference, without notifying the insurance company?
5> FYI, the insurance company paid for a General Contractor, i.e., their mark-up, but the General Contractor advised that since we were doing the room painting (see item 1 above) ourselves, we don’t need to hire them, and just go directly, to the subs (roofing and electrical).
Thanks for your advice.