Can i be forced to use a license contractor on a home owners insurance claim or can i do it myself?

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We have owned the house for over 20 years. We have done all the work in our house with exception of the swimming pool, which we used a pool company. We had a slab leak which destroyed the kitchen cabinets and a bathroom. None of the replacement has to be permitted. We were in the process of moving the plumbing out of the ground and now we have done it sooner due to this slab leak. The contractors that bid the work would not do the work to our specifications as to secure cabinets to floor, support cabinets to each other, etc. So we wanted it done the right” way, so we did it ourselves. We just have been told by the mortgage company that it is a Fannie Mae law that we have to use a license contractor…can’t find it anywhere. Yet, we are being told that the property (work) has to be as good as it was before the claim or better. It is better then it was before. The work is done better then any contractor wanted to do. What can I do to recoop my money from my mortgage company?””

Asked February 9, 2017

1 Answer


It depends on the specifics of your homeowner's insurance policy and the extent of the damage to your property. In some cases, your insurance policy may require you to use a licensed contractor to perform the repairs covered by your claim. This requirement is usually in place to ensure that the work is done correctly and to protect against fraud or substandard work. However, if your insurance policy does not require you to use a licensed contractor and you have the skills and knowledge to perform the repairs yourself, you may be able to do the work yourself. Keep in mind that any repairs you make yourself will need to meet the requirements and standards outlined by your insurance policy, local building codes, and any other applicable laws and regulations. It's important to note that insurance claims can be complex and time-consuming, and it may be in your best interest to work with a licensed contractor who has experience with insurance claims. A contractor can help ensure that the work is done correctly, provide documentation for your insurance claim, and help you navigate the claims process. Ultimately, whether or not you are required to use a licensed contractor will depend on the specifics of your insurance policy and the extent of the damage to your property. It's important to review your policy carefully and consult with your insurance company or a qualified professional if you have any questions or concerns.

Answered March 20, 2017 by HomeGuy

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