Using Who You Want on an Insurance Claim

We recently received a call from one of our clients who had an insurance claim inside her home. She had to have a paint company other than ours to do the work, and she was very worried they would not do a quality job. She called us to ask advice on the products the other company wanted to use and their general procedures. We came to the conclusion that whoever was hired was not very qualified or educated on how to use certain products. It was comical, because we were doing work at her home right about the same time as the insurance work was being done, but we could not do the insurance work…so we thought!

We then contacted our insurance company, Statefarm, and asked them if a homeowner can use their own contractor when they have a claim. Here is was their response, "We definitely leave the choice of contractor up to the policyholder in all claims. I can't believe that your customer's company would not be open to that as well. I have heard of very few companies that do not offer that choice, but most do."

It is a good idea to check and see if your insurance company is willing to let you select the company you are comfortable with when you have an insurance issue. We have heard many complaints and seen the terrible results of unqualified contractors that are hired to do insurance work. It is your home. Make sure you get the contractors you deserve!