Having an insurance to cover for certain types of roof damage is definitely a big help. And when insurance companies refer particular contractors to perform roof repair, it’s okay for you to take a step back and think about whether this is the best option for you.
In this article, ATD Restoration discusses some of the things you should consider before making a decision. We also list some of the pros and cons of hiring an insurance-preferred contractor.
“Right to Repair”
Generally, you’re not obligated to hire the contractor referred to by your insurance company. Whether you choose their contractor or hire someone else, that’s your decision to make.
However, if you signed a policy that gives your insurance company the “right to repair,” you no longer have the final say in who will carry out the job. This will already be the choice of your insurer. That said, always check an insurance contract and watch out for this kind of stipulation before signing.
Pros and Cons of Hiring Insurance-Preferred Contractors
Hiring roofing contractors preferred by your insurance company isn’t all that bad. Like in many things, there are pros and cons that you should consider.
Insurance companies usually aim to save money and repair or replace a property for less. This enables savings to be passed on to insurers through lower premiums.
Since the insurance company has already done the vetting for you, they will likely guarantee the contractor’s work in the event of poor workmanship.
Instead of a qualified contractor, the insurer determines the scope of work to be done on your roof. If the scope of work seems inappropriately narrow, insurance-preferred contractors will still likely accept the insurer’s scope of work because they would want to keep receiving jobs from the insurer.
Insurance companies determine the cost of the job, and they may use a different pricing list that’s lower than the pricing lists used by contractors that are not affiliated with the insurer.
Ultimately, a good understanding of the process is crucial to making a well-informed decision. Check your insurance policy and its coverage, and study the various procedures involved, such as those regarding starting the work and getting reimbursed.
Known for top-notch residential roofing services, ATD Restoration will handle your project satisfactorily. Our other areas of expertise include gutters, windows and siding. Call us at (910) 218-2251 or fill out our contact form to request a free consultation. We serve customers in Greenville, SC, and nearby areas.