Do I need to use the contractor my insurance company recommends?

No. Your insurer can recommend someone from their preferred program, and a recommendation is not a requirement. Who works on your house is your call.

This comes up on nearly every claim, and the wording people hear is often softer than the reality. "We can get someone out to you" sounds like a plan being made on your behalf. It is an offer, and you can decline it.

There are honest reasons to go either way

• A preferred contractor may move the paperwork along faster, since they work inside that insurer's system every day and know exactly what it wants.
• An independent contractor answers to you rather than to the company paying the claim. If there is a disagreement about scope, it matters whose customer you are.

Neither of those makes the other one dishonest. It is a real tradeoff, and reasonable people pick differently.

It does not change how the claim gets paid

Your deductible is the same. Your coverage is the same. Whether you have replacement cost or actual cash value coverage is the same. Using an independent contractor does not reduce what your policy owes you, and any suggestion otherwise is worth questioning.

Either way, we work directly with your adjuster. That part does not change.

One thing to watch for on both sides

Whoever you use, do not sign anything that hands your claim over to the contractor. Assignments of benefits can give a contractor the right to deal with your insurer and collect your claim money directly, and they can be hard to undo. That risk exists regardless of whose list the contractor came from.

Want a bid alongside the one your insurer suggested?

No pressure either way. Comparing two honest scopes is just good practice. We will reach out within one business day to set up your free in-person inspection.

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