The short answer
- Your insurance company can recommend a contractor. You choose who does the work.
- Your policy, not the contractor, decides what gets paid.
- Pick someone who documents the job in a way your adjuster can review.
What a preferred vendor program is
Many insurance companies keep a list of restoration companies they work with often. These are often called preferred vendor or managed repair programs. The contractors on the list usually agree to the insurer's pricing and reporting rules in exchange for referrals.
That can be convenient. It also means the contractor has an ongoing relationship with the insurance company, and you should understand that when you choose.
You can choose your own company
Generally, homeowners choose who works on their home. If your insurance company recommends a contractor, you can say thank you and use someone else. Tell your adjuster who you're using, and make sure your contractor sends documentation to the adjuster directly.
If you feel pressured, ask the insurance company to put its position in writing. The Pennsylvania Insurance Department (insurance.pa.gov) takes consumer questions about claims handling.
What to ask any restoration company
- Are you IICRC certified for this type of work?
- Will you take moisture readings and keep a daily drying log?
- Will you give me and my adjuster labeled photos and an itemized estimate?
- What software do you write estimates in? Many insurers use Xactimate.
- Who do I call with questions, and will that person be on my job?
- Are you registered as a home improvement contractor in Pennsylvania?
Why documentation is what matters
Whoever you choose, your claim is decided on evidence: what got wet, how wet, what was removed and why, and when it was dry. A contractor who records that from day one makes the adjuster's review straightforward. That is the standard we hold every DryMaster job to.
More: How to file a water damage claim, step by step.
This article explains how claims generally work. It is not legal advice, and every policy is different. Read your declarations page and endorsements, or ask your agent. We can't promise a claim outcome. We make sure your claim is documented right.
Common questions
Can my insurance company make me use their contractor?
Generally no. Insurance companies can recommend contractors, but homeowners usually choose who does the work. Your policy still controls what the insurer pays, so choose a contractor who documents the job well.
Will my claim be paid less if I use my own contractor?
Insurers pay what the policy covers for the damage, based on documentation and pricing. A contractor who documents moisture readings, photos and an itemized estimate makes that review easier, whoever you choose.