Restoring your house as soon as possible after a tragedy occurs, whether it's fire damage from a home accident or water damage from a burst pipe, is always your top priority. Many homeowners turn to their insurance company for guidance during this stressful time. However, one decision that deserves closer consideration is whether to use the restoration company recommended by your insurer. While these “preferred contractors” may seem like the most convenient choice at the time, it’s important to weigh the potential downsides before proceeding. Below, we’ll explore the reasons why selecting your own restoration company is often a smarter and safer decision for your home.

The Unknown Relationship Between Insurance Companies and Contractors

One big concern about using an insurance-recommended restoration company is the nature of the relationship between the two parties. Insurance carriers often have prearranged agreements with certain contractors, but these agreements may not always prioritize the quality you need to fix your home. In some cases, the partnership is driven by business interests rather than merit. For example, a restoration company could be selected due to a personal connection with the insurer rather than their proven expertise. This raises the question: are they recommended because they’re the best for the job or because they have a favorable arrangement with the insurance company?

Contractor’s Loyalty May Not Be to You