I'm considering hiring a general contractor who seems honest, skilled, and reasonably priced, but he doesn't like to work with insurance companies and won't provide a line-by-line detailed estimate for my claim. He's given me reasonable quotes for the major project components, but I'm concerned about whether I can still choose him for rebuilding my house. How will the insurance process work with him, and what should I be aware of if I decide to go with this contractor instead of my insurance's recommended choices? Any advice from experience would be really appreciated. Thanks!
3 Answers
You can definitely choose that contractor, but you'll have to liaise directly with your insurance to make sure the overall quote aligns with your claim. Just make sure to keep everything documented and get approvals before any work kicks off.
I recently went through a similar situation after a fire. It’s really crucial to get a detailed quote. If this contractor isn't willing to provide one, you might want to keep looking. You don't want your claim to be rejected because of a lack of documentation.
Going with a contractor who won’t give a detailed estimate could lead to issues where your insurance might not approve the claim. You can still use him, but be prepared for potential delays. Always get everything in writing and save all your records.