Your insurance company may suggest contractors to you to repair the damages after your home has sustained property damage and you've gone through the difficult and time-consuming claim procedure. You might or might not already know and trust the contractors you want to hire as a homeowner. After property damage, is it possible to hire your contractor? Yes, you very certainly can! Use the contractor provided by your insurance provider, or not? Yes, you can, but before choosing the person who will restore order to your home, consider these a few things first.
The Insurance Company Wants You To Use Their Contractor
The contractor your insurance company recommends for you to hire to fix or rebuild your home is an insurance company worker. In other words, depending on the damage to your house, your insurance company may provide you with a list of contractors.
Some preferred contractors can be hesitant to disagree with the insurance provider over the nature of the job because they don't want to jeopardize their relationship with the business that consistently sends them assignments.
They Are Less Loyal to You Than to the Insurance Company
Do you truly believe the contractor your insurance company suggests will have your best interests in mind if they work for the insurance company? Heads up. Not at all! They are loyal to your insurance provider. When it comes time to fix YOUR home, they'll follow the insurance company's instructions without really caring what you, the insured, have to say.
They Won't Do it Well, But Cheap.
To summarize, the contractor hired by your insurance company works for them and has their best interests in mind. Additionally, your insurance company wants to give you the least amount of money possible to repair your property following a loss. So, do you believe their contractor would repair your home quickly, efficiently, and with the best resources available? Probably not if your insurance company asked them to complete the task as cheaply as possible!
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