Do You Have to Use Your Insurance Company’s Preferred Vendor for Water Damage Restoration?

The Short Answer: No, You Don’t Have To Use The Insurance Companies Preferred Vendor

Homeowners are not legally required to use the insurance company’s preferred water damage restoration company. You have the right to choose your own licensed restoration contractor. That means you’re free to work with a trusted local company—like 24 Hour Flood Fighters—instead of someone on the insurer’s list.

What Is a Preferred Vendor?

A preferred vendor is a restoration company that has a partnership agreement with your insurance provider. These companies often work under pre-arranged pricing and guidelines set by the insurance carrier. While this may sound convenient, it doesn’t always guarantee the highest level of service or fastest response time. And in most cases, the preferred vendor is working for the best interest of the insurance company who provides them with work. This is not always true though so  it is good to do your research. Make sure you hire a company that puts YOU, your needs, and your budget first.

Why You Might Not Want to Use a Preferred Vendor

1. Limited Control – You may not know the quality of work you’re getting. Some preferred vendors prioritize insurance guidelines over customer satisfaction.

2. Delayed Service – In some cases, preferred vendors are overbooked and can’t get to your home quickly.

3. Lack of Personal Attention – Independent companies may provide more personal care. They are often more committed to fixing your home correctly the first time.

Why Choose Your Own Restoration Company?

At 24 Hour Flood Fighters, we’re available around the clock with emergency water damage response. We work directly with your insurance company to make the process smooth, but we work for YOU, not the insurer.

Benefits of choosing your own water damage restoration company include:

• Faster response time

• Local experts who care

• Direct communication and transparency

• High-quality cleanup, drying, and restoration

Will Your Insurance Still Cover It?

Sure. If your policy covers the damage, the insurance company usually pays the claim. You can choose any contractor you want. It’s your right as a homeowner.

Pro Tip: Document Everything

Whichever restoration company you choose, make sure to document the damage immediately with photos and written descriptions. Notify your insurance provider quickly, and keep records of all communications and estimates. We, here at 24 Hour Flood Fighters document everything for you, from start to finish and stay in touch with you and your insurance company until the job is complete.