Choosing Your Own Contractor for Insurance Claims

Here's some quality information helping you decide who is the right fit your rebuild.

Can I choose my own contractor, or do I have to work with the one recommended by my insurance company?

One of the most common questions homeowners have when dealing with an insurance claim is whether they can choose their own contractor or if they have to work with the one recommended by their insurance company. The good news is that in most cases, you have the right to choose your own contractor for repairs.

Insurance companies may recommend contractors that they have worked with in the past or have a preferred relationship with

This does not mean you are obligated to work with them. As the policyholder, you have the right to select your own contractor for the repairs.Choosing your own contractor has several advantages. For one, you can select a contractor who has expertise in the specific repairs you need. By choosing your own contractor, you can ensure that you receive high-quality repairs that meet your standards.

The risk of using an insurance preferred contractor

  • Limited options: Insurance companies may recommend a limited number of contractors or contractors that are part of their preferred network. This could limit your options and prevent you from selecting a contractor that you feel comfortable working with or who has specific expertise in the repairs you need.


  • Quality of work: While insurance preferred contractors are often vetted by insurance companies and may have a track record of successful repairs, there is no guarantee that the quality of their work will meet your standards. In some cases, these contractors may cut corners or use lower-quality materials to keep costs down.


  • Conflicts of interest: Some insurance preferred contractors may prioritize the interests of the insurance company over those of the homeowner. They may be more likely to accept the insurance company’s estimates and may not advocate as strongly for the homeowner in the claims process.


  • Limited warranty: Insurance preferred contractors may only provide a limited warranty on their repairs, which may not be as comprehensive as warranties provided by independent contractors. This could leave you on the hook for any repairs that are needed in the future.


  • Pressure to accept settlement offers: Insurance preferred contractors may be under pressure to keep costs down and accept settlement offers from the insurance company. This could result in lower settlement amounts or repairs that do not fully address the damage to your home.

However, it’s important to keep in mind that there are some limitations to choosing your own contractor. In some cases, your insurance policy may require that you use a contractor that is approved by the insurance company. Additionally, you will need to ensure that the contractor you choose provides an accurate estimate of the repairs needed and that they are willing to work with your insurance company to ensure the repairs are covered under your policy.

In conclusion, while you have the right to choose your own contractor for repairs after an insurance claim, it’s important to carefully review your policy and work with a contractor who is experienced in working with insurance companies. By doing so, you can ensure that you receive high-quality repairs and that the process goes as smoothly as possible.