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Can I Choose My Own Restoration Contractor on an Insurance Claim?

Last updated October 26, 2026

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The short answer

Your Right to Choose

In most cases, you have the right to select the restoration contractor who works on your home after water damage. Your insurance company may recommend a specific vendor, but you are not obligated to use them. The choice belongs to you, the homeowner. This is true for emergency water damage restoration, flood cleanup, or any other covered loss.

Before you hire anyone, contact your insurance company to confirm that your choice is acceptable. Ask about any deadlines for starting the work and whether they require pre-approval for the contractor. Write down the name of the person you spoke with and the date. This protects you if questions come up later.

How Insurance Claims Work

When you file a claim, your insurer typically sends an adjuster to inspect the damage. The adjuster estimates the cost of repairs, and your policy determines what is covered. You receive a settlement amount, and you are responsible for hiring a contractor who can do the work within that budget. You can choose a local water damage pro or any other qualified professional.

Be aware that the adjuster's estimate may not match the final cost of repairs. If your chosen contractor charges more, you may need to negotiate with your insurer or pay the difference. Keep all receipts and invoices. Your insurance company can explain the process, but the decision about who does the work is yours.

  • Confirm your choice with your insurer before signing anything
  • Ask about coverage limits for labor and materials
  • Get a written scope of work from your contractor
  • Keep copies of all estimates and invoices
  • Document the damage with photos before repairs begin
  • Ask your insurer about any deadlines for filing supplemental claims

What to Look for in a Contractor

When choosing a restoration contractor, look for someone who has experience with water damage specifically. Ask about their process for drying, cleaning, and repairing. For example, a pro should explain how they handle wet drywall, flooring, and personal property. You want a contractor who communicates clearly and provides a detailed written estimate.

Check that the contractor has their own liability coverage for the work they perform. Ask for references from past jobs, but remember that references are not a reliable measure. Visit ongoing job sites if possible. Trust your instincts: if something feels off, keep looking. The right pro will answer your questions and respect your home.

If Your Insurer Pushes a Vendor

Some insurance companies have preferred vendor programs. They may encourage you to use a specific contractor, but the final choice is yours. The insurer cannot force you to hire a particular business. However, they might offer a faster claims process if you use their recommended vendor. That is a convenience, not a requirement.

If you decide to use your own contractor, your insurer must still process your claim according to your policy. They may require additional paperwork or an inspection. Be patient and keep communication open. If your insurer refuses to work with your chosen pro, ask for the reason in writing. You have the right to a fair claims process.

Steps to Protect Your Claim

Act quickly after water damage to prevent further issues like mold. In a humid climate, moisture can spread fast. If you live in Virginia Beach, keep your insurance documents handy. Take photos of the damage before any cleanup begins. Contact your insurer as soon as possible to start the claim process.

When you hire a contractor, get everything in writing: the scope of work, the timeline, and the cost. Do not pay the full amount upfront. Make sure the contractor understands that your insurance claim is pending. Ask them to provide detailed invoices for each stage of the work. This helps you document the claim and avoids disputes later.

  • Take photos and videos of all damage before any work starts
  • Notify your insurer within 24 to 48 hours of the loss
  • Get a written contract from your contractor
  • Keep a log of all calls and emails with your insurer
  • Ask for a final inspection before making the last payment
  • Store all receipts in a safe place

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Frequently asked questions

Can my insurance company require me to use their contractor?

No, an insurance company cannot require you to use a specific contractor. You have the right to choose who performs the restoration work. However, your insurer may have preferences or deadlines, so always confirm your choice with them before signing a contract.

What if my chosen contractor charges more than the insurance estimate?

If your contractor's bid is higher than the adjuster's estimate, you can ask your insurer to review the additional costs. You may need to provide documentation, such as detailed written estimates or photos. In some cases, you may be responsible for the difference, so discuss this with both parties.

Can I switch contractors after the work has started?

You can switch contractors if you are unhappy with the work, but it may complicate your claim. You will need to pay for the work already done and hire a new pro to finish. Document the reasons for the switch and communicate with your insurer to avoid delays in coverage.

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