The short answer
Your Right to Choose
In most cases, you have the right to select who performs the repairs on your home after water damage. Your insurance company may suggest a restoration service, but that is often a suggestion, not a requirement. You can hire a local water damage pro you trust, as long as they meet the standards your policy sets.
Before you commit, read your policy carefully. Some policies have specific rules about who can do the work, especially for major repairs. If you are unsure, ask your insurer directly. Policies vary, and your insurer decides what is covered.
- Confirm your policy allows your chosen contractor
- Get written approval from your insurer before work starts
- Keep all receipts and documentation
- Ensure the contractor provides a detailed scope of work
- Ask about any deductibles you may owe
How Claims Work
When you file a claim, an adjuster from your insurance company assesses the damage and estimates the cost of repairs. That estimate is based on what the insurer considers reasonable for your area. If your own contractor charges more, you may need to cover the difference or negotiate with the insurer.
The pros you hire will need to share the scope of work with the adjuster so both sides agree on the repairs. This often involves sharing photos, invoices, and progress reports. Clear communication between you, your contractor, and the insurer helps the process move smoothly. Policies vary, and your insurer decides what is covered.
Documentation Matters
Keep a folder with every document related to the claim. This includes the initial damage report, your policy, correspondence with your insurer, and all estimates from your contractor. Photograph the damage before any work begins, and keep a log of every conversation you have about the claim.
Your contractor should provide a written contract that spells out the work, materials, and timeline. This protects you if a dispute arises. It also gives your insurer the details they need to approve the job.
When to Act Fast
Water damage does not wait. The longer moisture sits, the more damage it can cause, including mold growth and structural issues. If you live in Daytona Beach, the humid climate can make drying even more urgent. Start the claim process right away and begin drying efforts as soon as it is safe.
Your own contractor can start emergency work, like extracting water, before the adjuster visits. Many policies cover emergency mitigation, but you should confirm with your insurer first. Keep records of any urgent work you authorize, as it may affect your claim.
Hiring the Right Pro
Look for a contractor who has experience with water damage restoration and insurance claims. Ask about their process for working with insurers. A good contractor will be willing to communicate with your adjuster and provide the necessary paperwork.
Get more than one estimate if you can. This gives you a sense of fair pricing and helps you choose someone you feel comfortable with. Remember, the lowest bid is not always the right choice, but the most expensive is not always the right choice either. Trust your judgment and check references.
- Ask for references from past jobs
- Verify they have liability insurance
- Request a written contract before work starts
- Ask how they handle unexpected issues
- Confirm they will clean up after the job
Water damage does not wait
Phones are answered 24/7 for Daytona Beach and nearby communities.
Call Now (386) 272-5697Frequently asked questions
What if my insurance company insists on their contractor?
Your insurer may recommend a contractor, but you often have the right to choose your own. Review your policy to see if it restricts your choice. If you are pressured, ask for the policy wording in writing. You can also file a complaint with your state's insurance department.
Can I do the repairs myself and still get paid?
Some policies allow you to do your own work, but it is rare for water damage claims. Most insurers expect a qualified professional to perform repairs. If you do the work yourself, you may only receive the actual cost of materials, not labor. Check your policy before starting. Policies vary, and your insurer decides what is covered.
How do I find a contractor who works with insurance claims?
Ask friends or neighbors for referrals, or search online for local water damage pros. When you contact a pro, ask if they have experience with insurance claims. They should be comfortable explaining the process and providing documentation. Always get a written estimate before agreeing to work.