When property damage strikes, homeowners often feel pressured to follow the insurance company’s recommendations. It’s common to hear: “We’ll send out our preferred contractor.” But here’s the truth — your insurance company cannot force you to use their contractor.
Why Insurance Companies Push “Preferred Vendors”
Insurance companies often have deals with certain contractors. These partnerships are designed to keep costs low for the insurer, not necessarily to ensure the best restoration for your home. While some preferred vendors do quality work, others may cut corners to keep costs down, leaving you with hidden damage that causes bigger problems later.
You Have the Right to Choose
No matter what the insurance adjuster says, you are free to hire the restoration company you trust. In Pennsylvania, New Jersey, and Delaware, consumer protection laws support your right to choose. Your insurance policy covers the work based on the damage, not the contractor.
Risks of Letting Insurance Dictate
Relying only on the insurance company’s pick can lead to:
- Incomplete drying after water damage, which can trigger mold growth weeks later.
- Surface-only soot cleaning, leaving behind harmful residues and odors.
- Mishandled biohazard or hoarding cleanups, creating liability risks for the property owner.
How to Choose the Right Restoration Company
When damage happens, focus on choosing a company that puts your home first:
- Look for certifications such as IICRC.
- Choose experienced professionals who regularly handle insurance claims.
- Ask for transparency in estimates, photos, and reports.
The Bottom Line
Your home is your responsibility — not your insurance company’s property. Don’t let them steer you toward contractors who might not serve your best interest. You have the right to decide who restores your home.
At MSI, we’ve been helping homeowners navigate claims and restore their properties since 1998. If disaster strikes, call us first — we’ll work with your insurance, but we’ll always work for you.