{"id":174,"date":"2026-07-31T12:00:00","date_gmt":"2026-07-31T18:00:00","guid":{"rendered":"https:\/\/www.carminucciagency.com\/blog\/?p=174"},"modified":"2026-07-22T20:27:02","modified_gmt":"2026-07-23T02:27:02","slug":"home-insurance-who-chooses-the-repair-contractor","status":"publish","type":"post","link":"https:\/\/www.carminucciagency.com\/blog\/home-insurance-who-chooses-the-repair-contractor\/","title":{"rendered":"Home Insurance: Who Chooses the Repair Contractor?"},"content":{"rendered":"

Home insurance becomes a critical resource after a fire or storm comes through damaging your home. In these situations, your insurance company becomes your ally in getting repairs handled properly and as soon as possible. But you may be unsure who will select the contractor to do the work.<\/span><\/span><\/p>\n

At Carminucci Agency, we can help you purchase home insurance in Croton Falls, NY that protects from many risks and gives you the confidence in repairs as well. Here are a few things you should know.<\/span><\/span><\/p>\n

Coverage After an Event<\/span><\/span><\/h2>\n

After a peril occurs, such as a fire, your insurance company starts working with you right away. Their first step is to make sure the event was covered under your policy. If so, they will then start working with you to protect your home, clean away debris, and make repairs.<\/span><\/span><\/p>\n

This often means you’ll need a contractor to do the work. Most insurance companies only cover licensed professionals who will do the work. However, some policies have a “Right to Repair” or “Managed Repair” clause. This gives the insurer the ability to select the professional to do the work.<\/span><\/span><\/p>\n

In most standard homeowner’s policies, the owner can choose who handles the repairs. This is the most common situation. You will need to hire a reputable, licensed contractor. Some companies give you a list of companies to choose from, who they already vetted. If the contractor you want to work isn’t yet approved by the insurance company, they can often apply to be. The insurance company wants to ensure only a skilled and licensed professional does the repair work.<\/span><\/span><\/p>\n

Get Into the Right Policy<\/span><\/span><\/h2>\n

Let our team at Carminucci Agency help you protect your home. Work with us to get home insurance in Croton Falls, NY that represents your needs. <\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Home insurance becomes a critical resource after a fire or storm comes through damaging your home. In these situations, your insurance company becomes your ally in getting repairs handled properly and as soon as possible. But you may be unsure who will select the contractor to do the work. At Carminucci Agency, we can help […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[14,26,39,29,27],"class_list":["post-174","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-carminucci-agency","tag-croton-falls","tag-home","tag-insurance","tag-ny"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t