Do I have a choice in who fixes my house?

It's important to understand that you have the ultimate say in who restores your home or business after a disaster. Many insurance companies may try to convince policyholders to use their preferred restoration companies, but this may not always be in your best interest.

Here are some reasons why you should not let your insurance company choose your restoration company:

  1. Quality of work: While insurance companies may have partnerships with certain restoration companies, it doesn't necessarily mean that they provide the best service. You should research reviews and ratings to ensure that the restoration company you choose has a proven track record of quality work.
  2. Conflict of interest: Insurance companies are focused on minimizing their financial loss. This means that they may lean towards hiring a restoration company that is more cost-effective but may not be the best option for you. You want a restoration company that is committed to providing the best service for your individual restoration needs.
  3. Limited options: Insurance companies may only provide a few options for restoration companies. This may limit your choices and you may not be able to find the best company for your particular restoration needs.
  4. Delay in service: The insurance company's preferred restoration company may be too busy to provide you with service in a timely manner. You want to choose a restoration company that can start the restoration process as soon as possible, to prevent further damage.
  5. Satisfaction guarantee: The restoration company you choose should provide a satisfaction guarantee. If you are not satisfied with the work done, you should be able to have it rectified without having to pay additional fees.
  6. Communication: You want a restoration company that will communicate with you throughout the restoration process, keeping you informed every step of the way. If you let the insurance company choose the restoration company, communication may be more difficult.
  7. Steering: In North Carolina the Department of Insurance (DOI) prohibits an insurance company from “Steering”. Steering is the act of directing a customer to use a particular contractor. The customer should always have the choice of which contractor is best for them.

In conclusion, it's important to remember that you are the customer and ultimately have the final say in who restores your home or business. Don't let your insurance company choose your restoration company. Do your research and find the best restoration company for your specific needs.