In most cases, yes. Your insurer may recommend a company from its network, but you're generally free to hire who you want. Choose based on response time, certifications, written estimates and how well they document the job.
Your choice, usually
Insurers often have preferred vendor programs and may suggest a company. You can use them, but in most cases you're not required to. Check your policy and your state's rules if you're told otherwise.
What to look for
- Fast response, ideally the same day for active water.
- IICRC certification for water damage restoration.
- Licensed and insured where your state requires it.
- Good documentation: photos, moisture readings and daily drying logs you can share with the insurer.
- Clear paperwork: a written work authorization and an itemized invoice.
Read before you sign
Some companies ask you to sign an assignment of benefits, which lets them deal with and be paid by your insurer directly. Read it carefully, understand what you're giving up and ask questions before signing. Rules vary by state.
Red flags
- Offers to waive or cover your deductible
- Pressure to sign right away without explanation
- No written estimate or work order
- Asking for full payment up front
Common questions
Do I have to use the insurer's preferred vendor?
Usually not. Ask your insurer to point to the policy language if they say otherwise.
What is IICRC certification?
It's an industry certification for cleaning and restoration, including water damage drying standards.
Should the water company and the rebuild contractor be the same?
They can be, but they don't have to be. Some homeowners use one company for drying and another for repairs.