Can I Hire My Own Contractor Without Losing Insurance Coverage?

Before you hire anyone, read your homeowners policy. Look for sections about repairs, water damage, and contractor selection. Some policies let you choose the contractor, while others require you to use their preferred service. Policies vary, and your insurer decides what is covered.

If your policy says you must use their approved service, hiring your own contractor could put your claim at risk. Contact your insurance company and ask directly. Write down the name of the person you speak with and the date. Keep that record with your claim paperwork.

Local water damage pros can perform the work you need, from water extraction to structural drying. If you hire them yourself, you pay them directly, and your insurer may reimburse you if the claim is approved. But the insurer decides what is covered, so don't assume payment until you have approval.

The pros can also work alongside your insurer's preferred service if needed. They can provide documentation of the damage and the work performed. That documentation can help your claim, but it does not assure coverage. Always confirm with your insurer before any work begins.

If your insurer approves your choice, get everything in writing. Have the contractor provide a detailed scope of work and a list of materials. Keep all receipts and invoices. Take photos before, during, and after the work. This documentation supports your claim and protects you if issues arise.

Also, ask the contractor for references and check their work history. You can ask for proof of insurance, but don't rely on that alone. The contractor's insurance protects them, not you. Your homeowner's policy is what covers your property, so keep that in mind.

• Get a written contract with a detailed scope
• Take photos before work begins
• Keep all receipts for labor and materials
• Ask the contractor for proof of insurance
• Document any conversations with your insurer
• Follow up with your insurer after the work is done