Unfortunately, this is a common practice. However, it is unlikely that you would be responsible for the charge if the insurance company refuses the claim. But, we would have to read the contract and the claim and denial before we could offer a firm opinion. If the contractor attempts to make you pay the $3,900 you should contact Robinson and Henry at 303-688-0944 and ask for a free case assessment to discuss your right, remedies, options, and obligations.