Do I have consumer rights?

[Tanya Jarvis]

I hired this contractor for the second time in 2 years. Illinois has had some significant hail/wind storms and our house fell victim. We needed a roof replaced as well as one side of the house (vinyl siding). State Farm was paying him handsomely for the job. When I noticed workers only replacing certain slats instead of the whole side (as SF paid to have done), I started looking much closer at the SF claim estimate. When I confronted him, he got very defensive. Basically he got over $5000 to replace 20 slats. Our agreement (I did not know before but with research I now know is unethical) was that if I gave out his card and recommended him, he wouldn’t charge me the deductible. So, 2 big questions: Is there a maximum amount allowed to charge for materials? And is the contractor allowed to decide to charge me a deductible when previously he waived it (both in 2017 and now)? The info on here is excellent, and thank you for your help. 

[Aaron K.]

The deductible waiving sounds like insurance fraud, and he was willing to do it because he didn't do the full scope of work.  It may cost you your deductible for both times and potentially other penalties and fees but he should not be doing that.