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Water damage guide · Insurance

Do you have to use the company your insurer recommends?

The open front door of a brick home with warm light coming from inside

The short answer

Generally, no. Your insurer may recommend a restoration company, but you can usually choose who works on your home. Your policy terms still apply.

In this guide
  1. Why insurers recommend companies
  2. Your choice of company
  3. What to ask any restoration company
  4. What changes if you choose your own
  5. Don’t wait to decide

Why insurers recommend companies

Many carriers work with networks of preferred contractors. The program sets pricing and paperwork rules between the carrier and the company.

A recommended company can be a fine choice. It’s just not your only one.

Your choice of company

You can generally choose who works on your home. Check your policy and talk with your adjuster if you’re unsure how your carrier handles it.

What to ask any restoration company

Ask whether they answer 24/7, whether their technicians are IICRC-certified, how they document the job, and who you’ll talk to while it’s underway.

It’s also fair to ask whether you’ll be dealing with a local company or a call center, and how they explain what needs to come out and why.

What changes if you choose your own

Your carrier still reviews the estimate and decides coverage. The company you choose documents the loss and works with your adjuster.

Read more about how a claim works with United.

Don’t wait to decide

Water keeps spreading while you compare options. Many policies ask you to prevent further damage, so get the water out promptly.

If water is still coming in, shut off your main valve and call us at (405) 519-3568. You can sort out the rest once the water is stopped.

Water in your home now?

Call any time, day or night.

We respond promptly and give you an honest estimated arrival time.

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Common questions

Questions we hear often.

Have a different question? We answer 24/7.(405) 519-3568
Will choosing my own company slow down my claim?

It shouldn’t, if the company documents the loss clearly and keeps your adjuster informed. Ask your adjuster what they need from the company you choose.

Does United work with my insurance company?

We document the loss with photos, moisture readings and drying records, and communicate with you, your adjuster and your insurance company. Coverage decisions belong to your carrier.

Answered 24/7 · Oklahoma City metro

Water damage?
Your next step starts with a call.

Tell us what happened. We’ll respond promptly and help you understand where to go from here.

Call 24/7 (405) 519-3568Water extraction · Structural drying · Moisture assessment
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