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After your home has property damage and you’ve gone through the frustrating and tedious claim process, your insurance company may recommend contractors to you to fix the damages. As a homeowner, you may or may not already have contractors that you want to use because you know and trust them. Can you use your own contractor after property damage? You absolutely can! Should you use your insurance company’s contractor? Well, you definitely can as well but here are a few things to take a look at first before you decide on who’s going to fix your home back to normal.
They Are Employed By The Insurance Company
When your insurance company offers you a contractor to use to repair or rebuild your home, they are employed by the insurance company. In other words, your insurance company has a list of contractors that they give out depending on what kind/the extent of the damage to your home.
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.
Their Loyalty Is To The Insurance Company, Not To You
If the contractor your insurance company recommends is employed by the insurance company, do you really think they’ll have your best interest in mind? Head’s up…they don’t! Their loyalty is to your insurance company. They’ll do whatever the insurance company says and basically have no interest in what you, the insured, has to say when it comes time to fix YOUR home.
They’ll Do It Cheap, Not Well
To bring it all home, your insurance company’s contractor is employed by the insurance company AND has their best interest in mind….and your insurance company’s goal is to pay you as little money as possible to restore your home after a loss. So, do you think that their contractor is going to spend a long time and use the best materials and staff to fix your home? Probably not if they’re trying to do the job as cheap as possible, as requested by your insurance company!
How Do I Find A Good Contractor After Property Damage?
If you hired a public adjuster to help you get the most money for your insurance claim and take the stress off of your hands, then you’re in luck. Public adjusters have a wide network of contractors to help you with restoring your home after a loss. From roofers and plumbers to general contractors and painters, a public adjuster vets all of the contractors on hand to make sure your property is repaired properly and completely. No spotty or unfinished jobs!
If you have had an insurance claim recently, it’s not too late to experience all of the benefits of having a public adjuster on your side. Also, unlike an insurance company’s contractor, our loyalty is to you, not your insurance company like your insurance company’s assigned adjuster. We work tirelessly to get you every dime you need to fix your home all while you sit back and relax. New claim, old claim, not sure if it’s a claim, call us at 401-724-9111 or visit our contact page for a free, no-strings-attached consultation to see how much you’re entitled to from your insurance company!