The short answer
Your Rights as a Policyholder
Your insurance contract gives you the right to select a restoration contractor for repairs. Insurance companies may recommend a preferred vendor, but you are not obligated to use them. Choosing your own pro allows you to find someone you trust for the job. This decision is a key part of managing your property's recovery after a damaging event.
It is wise to review your policy's language about repairs and contractor selection. Some policies have specific clauses, but state laws often protect your right to choose. If you feel pressured by an adjuster, you can politely refer to your policy terms. Starting this process with clear information helps protect your interests throughout the restoration.
How Your Choice Affects the Insurance Claim
Selecting your own contractor changes the dynamics of an insurance claim. The insurer will still need to approve the repair scope and associated costs. Your chosen pro must provide a detailed estimate that matches the insurance company's assessment of covered damage. This can require extra coordination between you, your contractor, and the adjuster.
Delays can happen if estimates differ significantly. The insurance company only pays for what they deem necessary and covered under your policy. If your contractor's estimate is higher, you may need to negotiate or cover the difference yourself. Policies vary, and your insurer decides what is covered. Clear documentation from your pro helps support your claim.
Steps to Take When Hiring Your Own Pro
First, stop the water source and document the damage with photos before any cleanup begins. Then, you can start contacting local water damage pros for assessments. Get written estimates from at least two or three contractors to compare their proposed scope and methodology. This gives you a basis for discussion with your insurance adjuster.
Verify that the contractors are properly qualified for water damage restoration. Ask about their process for drying, mold prevention, and rebuilding. Check for references from past customers. Once you select a pro, ensure all communication with your insurance company is documented. Keep copies of estimates, emails, and claim correspondence in one place.
- Get multiple detailed, written estimates.
- Ask about their drying equipment and process.
- Check references from past water damage jobs.
- Confirm they handle necessary paperwork for permits.
- Discuss who will communicate with the insurance adjuster.
- Understand payment terms and any potential out-of-pocket costs.
Potential Advantages of Your Own Selection
Choosing your own restoration contractor puts you in control of the repair timeline and quality. You can select a pro based on their specific experience with your type of damage, such as from a persistent leak or storm flood. This can lead to a more personalized approach to saving your belongings and repairing your home's structure.
You also build a direct relationship with the contractor managing the project. This can make communication about daily progress and decisions more straightforward. If you have a restored historic home or custom finishes, your own pro may be more attentive to those details. This control helps you manage the quality of the finished repairs.
What to Do If There Is a Disagreement
Disagreements over repair scope or cost between your contractor and the insurer are common. If this happens, request a detailed explanation from your adjuster in writing. Your contractor can provide a second opinion or more evidence, like moisture meter readings, to justify their estimate. Mediation or appraisal clauses in your policy may offer a path to resolution.
If the dispute involves coverage denial, you may need to consult your policy documents closely. You can ask the insurer for the specific policy language they are citing. For complex disputes, seeking advice from a public adjuster or a qualified attorney who understands property insurance can be a logical next step. Protecting your investment requires understanding your rights.
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Call Now (832) 979-5241Frequently asked questions
Will my insurance rates go up if I choose my own contractor?
Your insurance rates are generally based on claim history and risk factors, not your choice of contractor. Filing any claim can affect future premiums. The insurer's primary concern is the validity and cost of the covered repairs, not who performs them.
What if the insurance estimate is lower than my contractor's?
You will likely need to pay the difference out of pocket, or your contractor may need to justify their higher costs to the insurer. Provide detailed estimates and documentation from your pro to support the need for the additional work or materials.
Can I start repairs before the insurance adjuster visits?
Only perform immediate water extraction and steps to prevent further damage, like placing a tarp on a roof. Keep all receipts. Major repairs should wait for the adjuster's inspection to ensure the damage and cause are documented for your claim.