Why You, Not Your Insurance Company, Should Choose Your Restoration Contractor

When disaster strikes and your home suffers water damage, fire, or any other catastrophic event, the immediate priority is to get your home restored as quickly and efficiently as possible. During this stressful time, homeowners often turn to their insurance companies for guidance on the next steps. However, one crucial decision should always remain in your hands—the choice of the restoration company.

Many homeowners are unaware that you have the legal right to choose which water restoration company repairs your home, and this decision should not be influenced or dictated solely by your insurance provider. Here’s why it’s important to know your rights and make an informed decision about the restoration professionals you allow into your home.

Insurance Company Recommendations vs. Your Right to Choose

After filing a claim, your insurance company may recommend a specific restoration contractor to handle the damage. In some cases, insurers may even imply that you must use their preferred vendor to get coverage. This is not true. While the insurer might have a preferred list of contractors, they cannot force you to choose a specific company. The law gives homeowners the freedom to select a restoration company of their choice, and it’s important to understand why exercising this right can benefit you in the long run.

Why Insurance Companies Push for Preferred Vendors

Insurance companies often have pre-existing agreements with certain contractors, known as “preferred vendors.” These contractors are typically part of a network where they agree to work at negotiated rates and may prioritize the insurance company’s financial interests over the homeowner’s best interests. You just may want to re-read that last sentence!

Here are a few reasons why insurance companies may prefer using their own vendors:

• Lower costs: Preferred vendors often agree to work within a set budget provided by the insurer. While this may save the insurance company money, it may limit the scope and quality of the repairs performed. Here we go again!
• Speed over quality: Insurers may push for a faster turnaround to close out claims quickly. This may lead to rushed work, leaving homeowners with subpar repairs that could result in future issues like mold or structural damage.
• Control over the process: Insurance companies may try to manage the entire restoration process through their preferred vendors, leaving the homeowner with little say in how the job is done. AND, remind me again, WHO’s paying the Premiums?

The Benefits of Choosing Your Own Restoration Company

Choosing your own restoration company offers several advantages that can help you get the best possible results for your home. Here’s why exercising your right to choose is essential:

1. Quality of Work
   By selecting a restoration company with a strong reputation, verified experience, and industry certifications, you can ensure that your home is restored properly. Independent contractors are not bound by the restrictions of insurance companies and can provide comprehensive services that might include more thorough repairs and attention to detail.
2. Advocating for Your Interests
   An independent restoration company works for you, not the insurance company. They will focus on your needs and make sure that all damage is addressed, ensuring your home is fully restored. This includes taking the time to explain the process, answering your questions, and going above and beyond to ensure the job is done right the first time.
3. Accountability
   With a restoration company of your choosing, there’s often greater accountability. Independent contractors rely on word-of-mouth and positive reviews to grow their business. Therefore, they are motivated to deliver high-quality work and excellent customer service, unlike some preferred vendors who may prioritize pleasing the insurance company over the homeowner.
4. Scope of Repairs
   When working with a preferred vendor, you may find that the scope of repairs is limited to what the insurance company deems necessary, which could result in corners being cut or essential repairs being overlooked. An independent restoration company can give you an unbiased assessment and ensure that all damage, no matter how hidden, is addressed properly.

How to Exercise Your Right to Choose a Restoration Company

While it may feel intimidating to go against your insurance company’s recommendations, you have the full legal right to select the restoration company that best meets your needs. Here’s how to take charge of the situation:

1. Do Your Research
   Before hiring a company, take time to research local restoration professionals. Look for a company with IICRC certification, excellent customer reviews, and a history of quality work. Reach out to friends, family, or online communities to get trusted recommendations.
2. Get Multiple Estimates
   It’s a good idea to get estimates from several companies to compare services, pricing, and timelines. Make sure that the restoration company you choose can handle the scope of the work and will work directly with your insurance company on billing, without compromising on the quality of service.
3. Communicate Clearly with Your Insurance Company
   Once you’ve chosen your preferred restoration company, inform your insurance company of your decision. You are not required to use their preferred vendor, and most reputable restoration companies will work with your insurer to ensure your claim is handled smoothly.
4. Ask Questions
   Make sure to ask questions about the restoration process, the timeline for completion, and how they will work with your insurance provider. A good restoration company will be transparent and keep you informed every step of the way.

Conclusion: The Power is in Your Hands

In the aftermath of water damage or any other disaster, the restoration process is one of the most critical steps in returning your home to its pre-damage condition. It’s a decision that should not be left solely to your insurance company. You have the right to choose the restoration company that works for you—a team that will prioritize your needs, offer quality repairs, and restore your home properly. By taking the time to research, ask questions, and communicate clearly, you can ensure that your home gets the care and attention it deserves.

Don’t let anyone make this decision for you. Take control of your home’s restoration and choose a company that has your best interests at heart.