If you are filing for an insurance claim for your damaged home due to covered events, your home insurance company will usually provide a list of preferred service contractors to repair the damage to your home.
But what if you already have a specific contractor in mind? Maybe you really had a positive experience with a previous contractor who took care of your home’s roof or siding replacement before and wanted to hire them again. Are you obligated to use your insurance company’s preferred service provider? Turner Home Improvement Contractors discusses the answer, along with the pros and cons.
Should You?
The short answer is no. You have the final say in choosing your contractor for home repairs that are covered by your insurance. That is not to say that you should outright reject the preferred contractor of your insurance company. But like with everything else, you must exercise due diligence when entering agreements especially when it concerns your home.
Research the reputation of the recommended replacement window, roofing, or siding contractor. Check online reviews or talk to someone who has used their services. It is best if you also get a quote from two other independent contractors for comparison.
There are advantages and disadvantages of using your insurance company’s contractors. Here are the things that you must consider.
The Pros
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The insurance company has already vetted the contractor
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The insurer can guarantee the contractor’s work
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There is presumably a good relationship between the two that might help expedite the process.
The Cons
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There is the possibility that the insurer might determine the scope of the work in the interest of saving money
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Some preferred contractors might be reluctant to oppose the insurance company when it comes to the scope of the work because they don’t want to risk their relationship with the company that provides them with a steady source of projects.
If your home needs repairs due to storm damage, Turner Home Improvement Contractors is here to assist you. For quotes and inquiries, call your trusted roofing contractor at (860) 6331400. You can also fill out our contact form to set an appointment. We serve clients in Marlborough, CT.
