One my drivers hit our metal awning of the place we are renting while backing up. It received minor damage and was pushed forward about 18 inches. I immediately notified our landlord and told her I would fix it. It was already in disrepair as one of the supports was cut in half, and 2 bent because of wind damage.
So the landlord buys material including all new supports, side frame and some sheeting. Total cost $525. We fix the awning and it's in much better condition than previous state. I ask landlord how we settle this and she tells me she'll take it out of next month's rent.
Here's where it gets complicated. She submitted it to insurance company. They tell her to not to bill me for materials as they will collect. So I get a $4300 bill from insurance company. Landlord is shocked, as she says they paid her only $2200.
So here I am. The awning is fixed. Me and my brother in law who does construction, spent 2 weekends fixing it. The materials cost $525, my landlord got $2200 and the insurance company wants to charge me $4300? Seems like fraud.
I'd rather pay the damages out of my own pocket. I have commercial insurance and don't want to submit it to them as I haven't had a claim in 13 years and don't want my premiums to go up
What to do?