Hiring a Contractor - FAQ

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When the work is required, a good contractor is vital in your claims process. You want to find a contractor with a strong reputation and standards to do the work, who won’t go over the estimated costs so that you don’t get stuck with the remaining bill.

Find a reputable and well-reviewed contractor

Your insurance company may provide a list of preferred contractors it's worked with before. But ultimately, you have the right to select your own contractor.

As a homeowner, you should research the available contractors:

  • Select a contractor that is good standing with local business bureaus.

  • Contractor should be well-reviewed among other homeowners.

Once your insurance company determines the cost to repair your property:

  • Your contractor may need to negotiate the price with your insurance company.

  • If they disagree, you may need to pay the difference.

Ask about a guarantee

  • Typically, contractors guarantee their work for a certain period of time, and if needed, will come back and make repairs at no additional charge.

  • If you use a contractor the insurance company chooses, then your insurer should guarantee their work.

  • Get all guarantees in writing.

Upgrading your home

During the repair work, if your contractor suggests an upgrade, make sure you understand your insurance coverage before you OK the work.

If the work goes beyond restoring the property to its previous condition, you may have to pay the difference.

If your house needs upgrades to meet current building codes, check your policy or with your agent to see if you have law and ordinance coverage. It provides you with financial protection against higher repair and replacement costs due to updated building codes.