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Insurance Claims, Preferred Vendors, and You

February 23, 2017

If you’ve contacted your insurance company about possible damage to your roof, you might have been referred to a “preferred vendor list.” What exactly is this list, and what does it mean to you, the homeowner? We’re breaking it down for you.

The term “preferred vendor” is used to make the suggested vendors appear more trustworthy, and implies that they have gone through a rigorous selection process that screened their ability to provide excellent service. Actually, the selection process is usually not related to service at all, but to price. To become a “preferred vendor” with large insurance companies, the roofing company agrees to work off a discounted price list determined by the insurance company in order to, hopefully, get more leads for business. The preferred vendor also agrees to only provide the services the insurance company determines to be necessary.  Most preferred vendors are part of large, multi-city and state roofing companies—not local owners and providers.

This is where the question of ethics comes into play:  if a roofing company is receiving leads from a preferred vendor list in exchange for discounting their prices and offerings, are they working for the homeowner or the insurance company? What services, professional opinions and preventative measures are sacrificed by staying within the strict guidelines that were put in place as a money-saving measure?

Often, insurance companies provide homeowners with a preferred vendor list and do not inform them that homeowners are able to hire whomever they wish to perform the work on their home. A good roofing company should work for the homeowner and not for the insurance company. All roofing companies are held to industry standards and guidelines set forth by state and national regulations. All insurance claims are held to standardized pricing to ensure homeowners are charged correctly for services.

When choosing a provider for your roofing needs, consider why preferred vendors receive their status, and what benefits, if any, it provides for homeowners. If you’d prefer a local company with an impeccable customer service record, give the team at RSG a call at 816-866-4235 or just click HERE to schedule your complimentary consultation.

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