If you’ve filed an insurance claim for roof damage, you might hear this advice from your
insurance company: “Get multiple quotes for the work.” At first glance, it seems like a logical
way to ensure a fair price. After all, when paying for services out-of-pocket, comparing bids is
often a smart move.
But when it comes to an insurance-funded roof replacement, the situation is different. Let’s
explore whether gathering multiple bids is necessary and what you should consider when
choosing a contractor.
Do You Need Multiple Bids?
The short answer: No, you don’t.
Here’s why:
- Your Cost Doesn’t Change
As a homeowner, your responsibility is paying your deductible—the fixed amount
outlined in your insurance policy. Whether the contractor’s estimate is $10,000 or
$15,000, your out-of-pocket cost remains the same. It’s the insurance company—not
you—that covers the difference. - It’s Not Your Job
While insurance companies may want to compare estimates to minimize their payout, it’s
not your responsibility to source multiple contractors or oversee their bidding process.
You’re not an employee of the insurance company, and your time and energy shouldn’t
be spent managing their financial interests. - You Have the Right to Choose Your Contractor
Insurance companies may suggest less expensive options to save money, but you’re
entitled to select the contractor you trust. This decision should prioritize quality,
professionalism, and reliability—not just cost.
Why Choosing the Right Contractor Matters
Your roof protects your home, your family, and your investment. Selecting a reputable contractor
ensures the job is done correctly, adheres to local building codes, and includes a warranty for
peace of mind.
Risks of Chasing the Lowest Bid
Choosing a contractor based solely on price can lead to issues, such as:
● Inferior Workmanship: Contractors may cut corners by using inexperienced labor or
subpar materials to keep costs low.
● No Accountability: Out-of-town “storm chasers” often disappear after completing the
job, leaving you without support if problems arise later.
● Lack of Warranty: Cheaper contractors may not offer robust warranties—or any
warranty at all.
Why a Local Contractor is Best
Local contractors are rooted in your community. They rely on their reputation and are more likely
to provide quality service because they’ll be around to answer for their work. With a local
contractor, you know where to find them if any issues arise.
What Happens When You Tell a Contractor You’re Getting Multiple Quotes?
When contractors hear you’re collecting bids, they often assume price is your top priority. This
mindset can lead to shortcuts, such as:
● Using cheaper, discontinued, or lower-quality materials.
● Assigning less experienced workers to the job.
● Minimizing time spent on quality assurance.
Rather than encouraging competition, this approach can backfire, compromising the integrity of
your roof.
Tips for Choosing the Best Contractor for Your Insurance Claim
When selecting a contractor, focus on these key factors:
- Reputation: Look for a well-established company with positive reviews and references.
- Local Presence: Choose a contractor based in your area to ensure accountability.
- Experience with Insurance Claims: Contractors familiar with the claims process can
help streamline communication with your insurer. - Warranty: Ensure they offer a comprehensive warranty to protect your investment.
- Professionalism: Verify they are licensed, insured, and willing to answer your questions
thoroughly.
Final Thoughts
Getting multiple bids may seem like the responsible thing to do, but it’s often unnecessary—and
even counterproductive—when filing an insurance claim for your roof. Your priority should be
finding a reputable contractor who will complete the work professionally and stand behind it with
a strong warranty.
At ACR, we specialize in helping homeowners navigate insurance claims and ensuring roof
replacements are done to the highest standards.
Have questions about your roof replacement or need help with a claim? Contact ACR
today for expert advice you can trust.
Disclaimer: This article is for informational purposes only and does not constitute legal, financial,
or insurance advice. For specific guidance regarding your policy or claims, consult a licensed
professional or your insurance provider.