Can I use another contractor other than the one who wrote the first estimate for hurricane damage?
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Found a better price during the few months it took my ins co to send checks. The money is coming from my insurance company.
My insurance asked me to get 1 professional bid for hurricane repairs since I felt they initially underpaid. I had Home Depot give me seperate estimates for roof, windows and doors. Months later and after a visit from their 2nd adjuster, the ins co sent an increased payment. During this time I have shopped the estimate and found less expensive estimates with professionals I am comfortable with. Can I use who I choose? The Insurance pay summary references home depot next to roof amount, window amount and fence amount.”
Asked April 3, 2018
1 Answer
Yes, you can use another contractor other than the one who wrote the first estimate for hurricane damage. It's your right as a policyholder to choose the contractor you want to repair your property. When you file an insurance claim for hurricane damage, your insurance company will typically send an adjuster to assess the damage and provide an estimate for the cost of repairs. However, the estimate provided by the insurance adjuster is not a final determination of the cost of repairs, and you are not required to use the contractor that was recommended by the insurance adjuster. If you decide to use a different contractor, you should obtain your own estimate for the cost of repairs and provide it to the insurance company. Your contractor should be licensed and insured, and it's a good idea to check references and reviews before hiring them. It's also important to note that if there is a discrepancy between the estimate provided by your contractor and the estimate provided by the insurance adjuster, you may need to negotiate with the insurance company to reach an agreement on the final cost of repairs. This can sometimes be a lengthy and complicated process, but it's important to ensure that the repairs are done correctly and that you are not left with any out-of-pocket expenses. In summary, you are not required to use the contractor recommended by the insurance adjuster for hurricane damage repairs. You have the right to choose your own licensed and insured contractor and obtain your own estimate for the cost of repairs. If there is a discrepancy between the estimates, you may need to negotiate with the insurance company to reach an agreement on the final cost of repairs.
Answered April 5, 2018 by fl_pc