Should I Use My Insurance Carrier’s Repair Company or Hire My Own

Should I Use My Insurance Carrier’s Repair Company or Hire My Own?

When your property suffers damage, especially to the roof, you might be left with the question: should you use your insurance carrier’s preferred repair company or hire your own? It’s essential to weigh the pros and cons to ensure that your home receives the best quality repair and that you’re not left with unexpected costs or headaches down the road.

Understanding the Choices:

  1. Insurance Carrier’s Repair Company:
    • Many insurance companies have networks of repair contractors they frequently work with.
    • They might offer incentives or make it seem easier to use their preferred vendors for repairs.
  2. Hiring Your Own Contractor:
    • Hiring a contractor of your choice allows you to work with someone you trust or have researched independently.
    • This option may require more time and effort in finding and vetting reputable contractors.

Pros of Using Your Insurance Carrier’s Repair Company:

  1. Convenience and Speed:
    • Insurance carriers often expedite the process by directly coordinating with their network contractors, which can be beneficial if immediate repairs are needed.
  2. Pre-Negotiated Rates:
    • Carrier-preferred contractors generally operate under pre-negotiated rates, potentially leading to more predictable cost estimates.
  3. Less Paperwork:
    • Working with a preferred contractor simplifies the paperwork since the carrier and contractor already have established processes.

Cons of Using Your Insurance Carrier’s Repair Company:

  1. Quality Concerns:
    • The repair quality might not always meet your expectations. Some network contractors prioritize volume over quality due to high demand.
  2. Potential Conflicts of Interest:
    • Network contractors may feel pressure to minimize repair costs, which could lead to incomplete repairs.
  3. Limited Control:
    • You might not have as much control over choosing materials, methods, or timelines as you would with an independent contractor.

Pros of Hiring Your Own Contractor:

  1. Greater Control Over Quality:
    • You can select a contractor based on their reputation, reviews, and personal preferences, leading to potentially higher satisfaction with the work.
  2. Direct Communication:
    • Having direct communication with your contractor allows you to discuss your specific requirements and concerns.
  3. Tailored Solutions:
    • Independent contractors may provide solutions better suited to your specific needs, instead of a one-size-fits-all approach.

Cons of Hiring Your Own Contractor:

  1. Coordination Challenges:
    • You may need to coordinate directly with your insurance company and ensure your chosen contractor understands the claims process.
  2. Potential Coverage Issues:
    • Insurance policies sometimes limit coverage based on which contractor is chosen. Confirm with your insurer that your preferred contractor is fully covered.
  3. Time-Consuming:
    • Finding a reputable contractor involves more research and time, particularly if you’re unfamiliar with the industry.

Real-World Examples

Example 1: Roof Repair after a Storm

  • Insurance Contractor: A homeowner uses the insurance company’s preferred contractor for a quick repair following a storm. The process is fast, but the homeowner later finds that the quality of materials used was inferior and incompatible, leading to additional repairs a year later with no backing by the shingle manufacturer due to mixing incompatible materials against code requirements.
  • Independent Contractor: Another homeowner chooses an independent contractor who identifies not only the visible damage but also identifies the correct repair product and all applicable codes required to get the roof back to its pre-loss fully warrantied condition.. Although the process takes longer and requires more direct payment from the homeowner, the comprehensive repair prevents future problems.

Example 2: Water Damage in a Basement

  • Insurance Contractor: Quick and efficient drying and remediation by a preferred contractor minimize initial mold risk, but because the contractor was rushing multiple jobs, some areas were inadequately addressed, leading to mold issues months later.
  • Independent Contractor: An independent contractor hired by the homeowner takes a detailed approach, ensuring all areas are thoroughly dried and treated for mold prevention, offering long-term solutions rather than a quick fix.

Key Considerations:

  1. Read Your Policy:
    • Your insurance policy may have guidelines or limitations that could affect your choice of contractors.
  2. Obtain Multiple Estimates:
    • Compare estimates from your insurance carrier’s preferred vendors and independent contractors to make an informed decision.
  3. Check Reviews and Credentials:
    • Whether you opt for an insurance network contractor or hire your own, check for proper licensing, insurance, and customer reviews.
  4. Document the Process:
    • Take photos and keep a detailed record of all communications, damage, and repair work for transparency.


Deciding whether to use your insurance carrier’s repair company or hire your own contractor hinges on several factors, including convenience, control, and quality. Ultimately, the decision should align with your specific needs, preferences, and comfort level. Be diligent in researching your options, understanding your policy, and documenting the repair process to ensure satisfactory results. (Click Here)  to book your assessment with one of our trained technicians.

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