Why Using Your Insurance Company's Preferred Contractor May Not Help Your Insurance Claim

After suffering damages from a fire, flood, or storm, the first thing that comes to mind is to call your insurance company to file a claim. Once the claim process is initiated, you may be given the option of using the insurance company's preferred contractor for the repairs. While this may sound like a convenient option, it may not always be the best choice for your insurance claim. In this blog post, we'll explore the reasons why using your insurance company's preferred contractor may not always be in your best interest.

1. They're Not Always The Best Fit For Your Needs

Insurance companies often have a pre-approved list of contractors that they prefer to work with. These contractors are selected based on their efficiency, affordability, and other factors that benefit the insurance company. While they may be great for the insurance company, they may not be a perfect fit for your needs. The preferred contractor may not have the necessary skills and equipment to handle the type of damage you've experienced, which can lead to subpar repairs and additional problems later on.

2. Their Loyalty Lies With Your Insurance Company

When you use your insurance company's preferred contractor, it's important to remember that their loyalty lies with the insurance company and not with you. The contractor may prioritize the interests of the insurance company over your own interests, which can affect the quality of the repairs. In some cases, this may lead to shortcuts being taken to minimize the cost of the repairs, resulting in a substandard job.

3. They May Have Limited Warranty

Since preferred contractors have often agreed to negotiated rates with the insurance company, they may not offer the same warranty and guarantees as other contractors. This means that if something goes wrong with the repairs, you may not be able to make a claim with the contractor or insurance company. It's important to read the fine print and understand the warranty limitations before agreeing to use the preferred contractor.

4. You Have The Right To Choose Your Own Contractor

It's essential to remember that as the policyholder, you have the right to choose your own contractor. You're entitled to get quotes from a few different contractors and choose the one that you feel more comfortable working with. It's also important to remember that exercising your right to choose your contractor won't affect your insurance policy or your ability to make a claim.

Conclusion

While using your insurance company's preferred contractor may seem like a convenient option, it's important to remember that it may not always be in your best interest. As a policyholder, you have the right to choose your contractor, and doing so can help ensure that you get the quality repairs you deserve. At Five Star Claims Adjusting, we're here to help you navigate the insurance claim process and work with you to ensure that you get the compensation you're entitled to. Contact us today to schedule a free inspection for your loss adjuster needs in Hillsborough County, FL.