Why It Matters When the Adjuster Asks: “Do You Have a Contractor?”
When disaster strikes—whether from water, fire, or another unexpected loss—you expect your insurance company to help you rebuild.
But there’s a subtle moment early in the process that can affect everything:
The adjuster asks you,
“Do you already have a contractor?”
It may sound like a simple question, but it isn’t.
It’s a strategic step that can shape the rest of your claim—especially how much work gets done and who’s doing it.
Why They Ask
When an adjuster asks if you have a contractor, here’s what they’re really doing:
They’re determining whether you’ll be controlling the restoration process…
Or if they’ll have the chance to bring in a contractor who works closely with their company.
This isn’t illegal. It’s not necessarily dishonest.
But it can create a conflict of interest.
Insurance Contractors vs. Independent Contractors
An insurance-preferred contractor might be someone the carrier trusts to keep costs low.
And while many are qualified and professional, they’re often focused on keeping the carrier happy—not necessarily fighting for every line item on your scope.
An independent contractor, like PL Builders, works directly for you.
We build scopes based on actual damage, required code upgrades, and fair labor rates—not just what’s “allowed” in the initial estimate.
Why This Matters to You
You have the legal right to choose your own contractor.
That’s important, because:
You want someone focused on restoring your home completely—not quickly or cheaply.
You want someone who will push back when parts of the scope are missing.
You want someone who works for you, not the insurance company.
What to Say When Asked
If an adjuster asks,
“Do you already have a contractor?”
We recommend saying:
“I’m speaking with one now to make sure the scope is accurate before I move forward.”
That keeps you in control and ensures you don’t get locked into a company you didn’t choose.
Final Thoughts
When it comes to property damage, the contractor you choose makes all the difference.
You only get one chance to make sure everything is documented and approved.
Choose someone who understands the claims process—and will stand up for what you’re owed.
Need help reviewing your estimate or building a proper scope?
PL Builders offers free insurance estimate reviews for homeowners across Southern California.
Let us help you take back control of your claim.
