Quick answer
In general you choose who works on your home. An insurer or adjuster may recommend a company, but a recommendation is not the same as a requirement. Read your policy, ask your insurer in writing what it requires, and confirm any contractor's license at roc.az.gov before you sign anything.
Why insurers recommend companies
Many insurers keep lists of preferred vendors. These companies may have agreed on pricing or paperwork with the insurer, which can speed up a claim. That can be convenient. It does not mean other licensed companies are not allowed to do the work.
What to check in your policy
- Whether your policy requires you to prevent further damage, which usually means you may start emergency drying right away
- Any wording about approved contractors or required inspections
- Your deductible and how it is applied
- Time limits for reporting a loss
How to protect yourself
- Photograph and video the damage before anything is moved.
- Tell your insurer about the loss as soon as you can and ask what documents they need.
- Ask for any requirement about contractors in writing.
- Get the company name, license number and a written scope of work. Verify the license at roc.az.gov.
- Keep every invoice, moisture log and photo.
If you feel pressured
You can contact the Arizona Department of Insurance and Financial Institutions at difi.az.gov with questions about how your insurer is handling a claim. This guide is general information and not legal or insurance advice. See also how to file a water damage claim in Arizona and how to hire a water damage company.
Frequently asked questions
Can my insurer force me to use their contractor?
Policies differ. Many only recommend providers. Ask in writing what your policy requires and read the wording about repairs.
Should I call my insurer or a restoration company first?
If water is active, stop the source and start emergency mitigation. Then report the loss quickly. Most policies expect you to limit further damage.
Does choosing my own company change my deductible?
The deductible is set by your policy. Ask your insurer how it applies before work begins.
How do I check a contractor?
Look up the license on the Arizona Registrar of Contractors website at roc.az.gov and ask for proof of insurance.