Do I have to use the company suggested by my adjuster?

Posted by Matt Buchanan

There can be a lot of confusion on your part if you’re faced with a water loss.  It’s usually a new experience for most people and because your insurance company usually gets involved to pay for the bill, it introduces a third party into the equation unlike other home service you might get.  One thing that confuses people is whether or not they have to use the water damage restoration company their insurance adjuster recommends.


Here is the short answer: Absolutely not!


cautionAnd here’s the long answer:  One of the dirty secrets of our industry is the cozy relationship between insurance companies and restoration contractors.  Because the insurance company usually pays, some providers tend to look at them as the customer.  And because insurance companies want to pay as little as possible for your claim, they’ll make a deal with certain restoration companies to send all their business their way in exchange for cheap rates.

So ask yourself, when it comes to your home and safety of your family, do you want to go with the company that’s willing to cut corners on their work so they can reduce their rates to appease your insurer?


Of course not!!!


Your obligation is to make sure your home is safe and dry.  Period.  Hard stop.

You are under no obligation to use a preferred company that’s negotiated a backroom deal with your insurance company!  Like any other service, you have choices and when it comes to repairing a water damaged property, it’s even more important that you’re 100% comfortable with the company you choose to do the work!

About Matt Buchanan

I grew up in Irving, TX and left for Nashville, TN for college. After college I lived in Washington, DC and then in Cairo, Egypt. After coming back to the states, I spent a couple of years back in Dallas before moving with my wife to Denver!
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