Some policies let carriers steer or elect repairs through preferred contractor programs; whether and how depends on your policy’s words and, in some states, rules layered on top. The pitch is convenience; the structure is a contractor whose customer is the carrier.
Sometimes it works fine. When it does not, homeowners discover the hard questions late: who warrants this work, who pays when the scope was short, and who answers when the repair fails after the file closes.
What To Watch
Scope written by the payer. The estimate and the work order share an author and an incentive.
Warranty ambiguity. Get warranty terms, in writing, before work begins.
Election language. Whether the carrier may require its program depends on your policy’s words, not the adjuster’s summary.
Sign-offs. Completion certificates can become arguments that the claim is done. Read before signing; better, let us.
Our Role
We read the policy’s actual repair provisions, document scope independently before work begins, hold the program to the full repair, and preserve your remedies when the work or the scope falls short.