Why Not A Preferred Vendor?

My insurance says I should use “their vendor”. Why shouldn’t I?


A preferred vendor is a contractor that has a Service Level Agreement (SLA) with an insurance carrier to provide the insurance with discounted services and prices. While a preferred vendor may require a homeowner to sign a work authorization, they are working for the best interest of the insurance company.

The insurance company also has the right to tell a preferred vendor not to place certain equipment, not to setup drying chambers, not to use personal protective gear, not to use antimicrobial, and when the insurance company wants the contractor to remove their equipment. All because these things will save the insurance company money. Not because it will get the home dry faster or better.


An independent restoration contractor is a restoration contractor that does not have a Service Level Agreement with the insurance company and is therefore free to work directly for the homeowner without hinderances from the insurance company. Independent Restoration Contractors are not regulated by services they cannot provide or items they cannot charge for. Independent Restoration Contractors are working for the homeowner’s best interest and not the insurance company’s best interest.

Independent Restoration Contractors use their own industry knowledge, tools and brains to determine which equipment is needed to best dry a home, which products are best to treat an affected area, etc. Independents are allowed to think for themselves. They are able to put the homeowner’s needs first.

MY INSURANCE SAYS IT MIGHT NOT BE COVERED IF I DON’T USE THEIR VENDOR This is how the insurance company reduces their expenses/cost incurred by a claim. If they can deter a homeowner from using an Independent Restoration Contractor, it means their financial loss per claim will be less. However, a covered claim is a covered claim, regardless of the cost of the claim.

It is not legal for an insurance company to only cover a claim if it costs a certain dollar amount, unless there is a cap on the coverage on the claim – which is typically a round dollar amount like $5,000 or $10,000, if there is a cap at all. It is also not legal for an insurance company to only cover services if you use a vendor they have selected for you.

Unlike medical insurance, there are no “In Network” providers and “Out of Network” providers with homeowner’s insurance. The insurance company is not allowed to dictate what “provider” you are allowed to use to restore your home. Choosing a contractor of your liking is within your legal right.


As an Independent Restoration Contractor, we do not need the insurance company to warranty our work. Our work is warranted by us. We do this through photographs, moisture content readings and sometimes even air quality testing. If there is a problem with our work, we can handle it internally without the use/need for the insurance company to back us up.


This is where a Public Adjuster (or an adjuster for the general public) is your best choice. You do not have to feel bullied by your insurance adjuster. There are adjusters that can side with/for you and help you through the claims process. Please ask us about a Public Adjuster recommendation for you!

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Why You Should Have A Public Adjuster

Your Insurance is Not on Your Side or Like a Good Neighbor

The insurance has an adjuster, so why shouldn’t you?

If you are being sued or suing, each party has their own lawyer. If you are buying or selling a house, each party has their own realtor.

So why shouldn’t a homeowner be represented by an adjuster that is on THEIR side when dealing with an insurance claim? The answer is you SHOULD be represented! Because your insurance DOES NOT CARE about the you being taken care of. They ONLY care about price. Some insurance companies used to care. None do anymore. It is an unfortunate fact.

The sooner a Public Adjuster gets involved on the claim, the faster they can keep the claim moving. Don’t face the insurance company alone anymore! It can be scary!


• NO out of pocket expense to the homeowner!

• The Public Adjuster gets paid BY the CLAIM, not the homeowner!

• The Public Adjuster understands policy language & can interpret it for the homeowner. • The Public Adjuster can meet the insurance adjuster FOR or WITH the homeowner. • The Public Adjuster handles all the payments, collecting payment, etc.

• The Public Adjuster work FOR the Homeowner, NOT the insurance.

• The Public Adjuster doesn’t care about the price, just that the scope is industry standard. • The Public Adjuster doesn’t demand Xactimate pricing or any kind of discount/referral.

All Pro Restoration currently recommends Jeff Kendall with Prime Public Adjusting. info@primepublicadjusting.com or 720-810-5779. He is local and he is very personable. He is also not concerned about the size of the claim. Some Public Adjusters will only handle claims over $100,000 but Jeff handles claims of any size.

This is just ONE referral. There are hundreds available to the public and can be found with a simple Google search.

You do not have to work with Jeff Kendall to work with All Pro Restoration. We simply want to make sure you feel represented if you are uncomfortable facing your insurance company alone. Their pockets are deeper than yours and we understand how intimidating that can be.

Please ask your technician, our office or any of our Department Managers for more information if you have further questions about the Public Adjuster route.