Some insurance policies contain preferred contractor provisions, which may affect who can repair your home after a disaster.
What Is a Preferred Contractor Provision?
A preferred contractor provision allows your insurance company to:
- Require repairs to be completed by specific contractors
- Limit your ability to choose your own repair provider
This provision can impact how repairs are completed and who performs the work.
Always Contact Your Insurance Company First
Before beginning repairs:
- Notify your insurance company
- Ask whether the policy includes contractor requirements
- Obtain written approval before starting work
Starting repairs without approval could affect your claim.
Disclaimer: This information is not intended to take the place of legal advice. It is designed to inform you with basic information regarding hurricane preparedness and ways to protect yourself as a homeowner or renter after a disaster.
Need Legal Help?
Florida Rural Legal Services, Inc. (FRLS) is a non-profit law firm that provides free civil legal aid to eligible individuals, families, and vulnerable communities across 13 Florida counties, as well as to farmworkers statewide.
FRLS office locations:
- Belle Glade
- Fort Myers
- Port St. Lucie
- Immokalee
- Lakeland
- West Palm Beach
Our offices serve the following counties: Lee, Polk, Palm Beach, St. Lucie, Martin, Okeechobee, Indian River, Highlands, Hardee, Hendry, Charlotte, Desoto, and Glades.
You can contact us on our Intake Hotline at 1-888-582-3410.