Watkins Fire Damage Cleanup

Why Not A Preferred Vendor?

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

WHAT IS A PREFERRED VENDOR?

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.

WHAT IS AN INDEPENDENT RESTORATION CONTRACTOR?

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.

MY INSURANCE WILL NOT WARRANTY THE WORK OF AN INDEPENDENT

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.

I AM AFRAID IT WILL NOT BE COVERED

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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