Right to Contractor Selection
Insurers may offer policyholders the option to select the services of building contractors that have contracts with the insurer to repair damage covered by the insurance policy.
If a policyholder chooses to use one of these contractors, the insurer must guarantee the building contractor's work and may offer the policyholder any other terms, conditions or benefits. However, the insurance company is not liable for the actions of the building contractor.
Reference your Home State "Department of Insurance" which documents Statues, Rules, and Regulations related to Insurance.