How does an insurance claim work with a contractor?
The insurer writes a scope of repairs and a price for it. Your contractor prices the same work independently, and where the two differ, the contractor documents why and asks for a supplement. You choose who does the work. Nobody can require you to use a particular company.
You choose the contractor
Insurers keep preferred vendor lists and will often recommend one. A recommendation is not a requirement, and using a company from the list is your decision rather than a condition of the claim.
What the policy does require is that the repairs are actually done and documented. Who does them is up to the property owner.
The adjuster scope, and where it comes from
After the loss the adjuster inspects and writes an estimate, usually in the software the industry standardises on, listing every line of work with a quantity and a price. That document is the starting position on what the insurer will pay for.
It is written from what was visible on the day of the inspection. That matters, because a lot of damage in a water or fire loss is not visible until material starts coming out.
What a supplement is
A supplement is a request to add work to an approved claim, backed by evidence. Subfloor that turns out to be delaminated once the flooring is up. Framing still reading wet on a meter. Smoke in a cavity nobody opened during the inspection.
Supplements are normal and expected. They get approved on documentation, which is why photographs, moisture readings and dated notes matter more than argument. A contractor who photographs everything as it comes out gives you a supplement that gets paid.
What we do and what we do not
We inspect, document the damage, write a detailed reconstruction scope, communicate the construction details with your adjuster, and complete the authorised repairs.
We are not a public adjuster and we do not represent you to the insurer on coverage. What is covered, what the deductible is and what the policy says are between you and the carrier. Anyone offering to handle your claim for you, waive your deductible, or promise a covered outcome before an inspection is telling you something they cannot deliver.
Practical things that help
Keep every photograph from before the cleanup. Keep receipts for anything you paid out of pocket, including hotels and equipment rental, since additional living expenses are often part of a policy. Write down who you spoke to and when.
Send us the claim number, the adjuster contact and any scope you already have through the insurance intake, and we will work from what is already on the file rather than starting again.
Still Want Someone to Look at It?
Send photos and a description and you get a written price with the scope spelled out. Open every day, 7:00 AM to 7:00 PM. Emergency response in 24–48 hours for urgent property damage.