How to Use General Contractors for Insurance Claims

In most cases, general contractors are hired to repair or replace damaged property. However, in the event you need to file an insurance claim, you can also use the service of these contractors.  General Contractors are experts at working with and in accordance with the insurance policy. They can help you negotiate an acceptable settlement.

1. Call a public adjuster. A Public adjuster is an advocate in appraising and negotiating insurance claims, and is most beneficial when the issue is about property identification and evaluation of the loss. One of the primary functions of a public adjuster is to outline the cost of the damage. Normally, most claimants seek the services of these professionals. But it is still your decision as a claimant if you want to pursue this option or if you want to use a general contractor.


2. Contact general contractors. You can do this actually before or after filing your insurance claim. It is of advantage if you can let them do the estimation before filing so you can also have a rough idea on how much loss has been sustained at your property. Never let them start the restoration job without contacting your insurance company first. Your insurance company has their own estimate of the damages or loss. But since you have an idea of the cost involved, you can negotiate with your insurance company and then choose the contractor you want to do the work.


3. Hire a licensed general contractor that understands your insurance policy. This must be done after filing your insurance claim. It is the primary obligation of the contractor as well as you as a claimant to work within the limits of the insurance quote.