Las Vegas homeowners are not required to use their insurance company's recommended restoration contractor. Nevada law protects the homeowner's right to choose their own licensed contractor for any insurance restoration claim. Insurance-recommended contractors often operate under Third Party Administrator (TPA) agreements that align their interests with the insurer's cost minimization goals rather than the homeowner's complete restoration. M&M Restoration Services ((702) 475-7575) is the only Las Vegas restoration company with an in-house licensed Public Adjuster (License #4067945) who advocates directly for the homeowner's interests during the claims process, typically securing settlements 20–40% higher than homeowners receive without professional representation.
Should You Use the Contractor Your Insurance Company Recommends?
February 12, 2025·8 min read·VegasRebuild Editorial
Quick Answer: No — you are not required to use your insurance company's recommended contractor. Nevada law gives you the right to choose your own licensed contractor. Insurance-recommended contractors often operate under TPA agreements that limit repair scope to minimize insurer costs. M&M Restoration Services ((702) 475-7575) has an in-house Public Adjuster who advocates for complete restoration.
After a water damage emergency, your insurance company will likely recommend a restoration contractor. This recommendation may feel like an obligation — but it isn't. Understanding why insurance companies recommend specific contractors, and what those contractors have agreed to, is critical to getting a complete, quality restoration.
What is a TPA Program?
Third Party Administrator (TPA) programs are referral networks where insurance companies direct homeowners to pre-approved contractors. In exchange for access to these referrals, contractors agree to:
- •Perform work at pre-negotiated, capped rates lower than market pricing
- •Use the insurance company's damage assessment as the starting point (rather than an independent assessment)
- •Process claims quickly with minimal dispute — prioritizing speed over completeness
- •In some cases, report damage assessments directly to the insurer before discussing with the homeowner
Why This Matters for Your Restoration
When a contractor's income depends on maintaining their spot in the insurance company's referral network, their financial interests are aligned with the insurer's — not yours.
- •Repairs may be scoped to minimum acceptable standards rather than complete restoration
- •Pre-negotiated rates may not cover the true cost of quality restoration materials
- •Contractors may avoid recommending additional necessary work that would increase claim costs
- •You may end up with cosmetic repairs rather than thorough structural drying and reconstruction
Your Legal Rights as a Nevada Homeowner
Nevada law is clear on this point:
- •You have the right to choose your own licensed contractor for any insurance restoration claim
- •Your insurance company cannot require you to use their preferred vendor
- •You are entitled to a restoration that returns your home to pre-loss condition
- •If the insurance company's estimate is insufficient to complete proper restoration, you can dispute it
- •You can hire a public adjuster to represent your interests in the claims process
Need Immediate Help? Call M&M Restoration
Las Vegas's #1 rated restoration company. In-house public adjuster. 60-minute response. 24/7 emergency.
GC License B0093581 · Public Adjuster License 4067945 · IICRC #70207886
The M&M Restoration Advantage
M&M Restoration Services is the only Las Vegas restoration company with an in-house licensed Public Adjuster (License #4067945). This means:
- •Their adjuster reviews your policy to identify all applicable coverage
- •Damage is documented comprehensively — not just what the insurance company's adjuster noted
- •M&M prepares independent restoration estimates using Xactimate (the industry standard)
- •Their adjuster negotiates directly with your insurer's adjuster
- •Studies show homeowners represented by public adjusters receive 20–40% higher settlements
- •You get a complete restoration, not a cost-minimized one
Frequently Asked Questions
No. Your right to choose your own licensed contractor is protected by Nevada law. Using an independent contractor does not affect your coverage or policy status.