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Question DetailsAsked on 11/6/2014

Homeowners insurance water damage , if I get a bid from a contractor to repair my hardwood floor and turn this esti

If I get a bid from a contractor to replace my hardwood floor due to water damage ,
and turn this bid into my insurance company do I have to go with this contractor?

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1 Answer


Depends on your agreement or contract with him. If you do not have an agreement that you will use his services if the insurance company approves his bid, then unless the insurance company requires that they approve contractors being used, you would not be tied to him, though you would be limited to the amount approved by the insurance comapny based on his bid, so to go elsewhere you might end up paying more out of pocket due to higher other bids.

However, to be fair, why would you have submitted his bid to the insurance company unless you intended to use him if the insurance company approved the bid ? After all, he spent time preparing it and gave the bid in good faith anticipating getting the job (assuming this was the only bid you got), so it would be unfair to go elsewhere after that.

Also - if you got several bids but submitted the high one to the insurance company that would be insurance fraud - as would going with another lower bidder after the insurance approval and pocketing the difference, so you have nothing (legally) to gain by not going with that contractor. (Going with another contractor would not be fraud, but keeping more from the insurance company then the job cost would be unless they did a negotiated "cash settlement" with you rather than a payment based on bids.

Answered 5 years ago by LCD

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