Once your insurance claim is settled, the next step is hiring a contractor to perform the repairs. This seems straightforward, but the relationship between your insurer, your adjuster, and your restoration contractor is complex. Make the wrong choice, and you could face cost overruns, unfinished work, or even warranty disputes. Here is how to navigate this process safely.
Choose Your Contractor Independently
Preferred Vendor Conflicts Are Real
Obtain Multiple Detailed Bids
Beware of Storm Chasers
Align Your Contract with Your Settlement
Never Sign a Contractor Agreement Before Reviewing
Coordinate Repairs with Your Adjuster
Concealed Damage Documentation Is Critical
Key Takeaways
You have the right to choose your own contractor — never feel pressured to use a carrier-recommended vendor.
Obtain at least three detailed, line-item bids from licensed, insured, locally established restoration companies.
Align your contractor's scope of work with your settled claim before signing any agreement.
Document pre-repair conditions with photos before demolition begins — concealed damage cannot be verified later.
Watch for storm chasers and contractor agreements with unfavorable insurance assignment clauses.
Drew — Licensed Public Adjuster
Reviewed: October 25, 2026Licensed in Florida and Texas, Drew has helped over 1,500 homeowners recover denied and underpaid insurance claims.