The simple answer, No. You do not need to use the insurance company vendor, not in California if you don’t want to.
California Law Makes It Clear On Insurance Vendor Repairs
(b) No insurer shall require that the insured have the property repaired by a specific individual or entity.
(c) No insurer shall suggest or recommend that the insured have the property repaired by a specific individual or entity unless:
(1) the referral is expressly requested by the claimant
Cal. Code Regs. tit. 10 § 2695.9
What is an Insurance Vendor And Why Do Insurances Have Them?
A Preferred Service Provider is any business that will provide the needed specified work at a discounted rate to the insurance company in exchange for receiving a large volume of work. Insurances like to have Preferred They get to decide what will be fixed and how. As a result, they can control the cost. Since they can make sure that they only fix what needs fixing, saving them money. Unfortunately, not everyone wins. However, None of these instances benefits the homeowner.
Whats The Difference?
What are the benefits of using an Insurance Preferred Service Provider vs using an Independent? Locally Owned and Operated Restoration Business? Firstly, A Preferred Vendor is in the best interest of the insurance company. Whereas an Independent Restoration Company is working solely for the homeowner. It comes down to certified experienced technicians in the industry being able to carry out the job. Either the right way (following IICRC standards) or the way the insurance adjuster sees fit. Sure some insurances claim their adjusters are certified, however there’s something important to remember, certification does not always mean experience and know-how.
Will The Insurance Company Pay The Bill?
Yes. The insurance company will pay the bill. When dealing with a legitimate company, regardless of being a vendor, they will know how to properly bill your insurance company.
In Closing, No You Don’t Have To Use The Insurance Company Vendor
You have every legal right in California to choose who you’d like to hire to remediate the damages to your home or business. Don’t let your insurance company pressure you, it’s against the law. Know your rights as a homeowner, and have the company you choose to preform the work you need done. This industry has many highly rated professionals that choose to work with homeowners directly.
About JW Home Care
To clarify, we work for you, not the insurance.
JW Home Care make sure your home or business is mitigated, remediated, and cleaned properly. Most importantly, Following our strict company guidelines as well as the standards set forth from the American National Standards Institute who governs the IICRC. We reference the IICRC material every day on the job. When it comes time to bill for services done, we use an insurance accepted fair market rate program to invoice. We then work out the payment details with your insurance. We understand a home emergency can leave you feeling overwhelmed. Our highly rated and skilled team at JW Home Care is ready to assist you. You can Submit Your Project here or give us a call at 805-443-3232