At Godbey Giardina Law Group, we’ve seen a troubling trend: homeowners being forced to use contractors selected by their insurance companies after property damage. This practice, known as a Managed Repair Program, is quietly becoming the norm in many insurance policies. These “Right to Repair” provisions can create serious problems for property owners beyond just the insurance claim itself.
What Is a Managed Repair Program?
A Managed Repair Program (MRP), also called a “Right to Repair” provision, allows the insurance company to choose the contractor who will repair your property after a covered loss. Instead of cutting a check to the policyholder, the insurer hires a “preferred vendor” to perform the work directly.
These clauses are often hidden deep in policy language, meaning many homeowners only discover them after filing a claim—when it’s too late to choose their own contractor.
Why Insurance-Selected Contractors Are a Problem
While MRPs might sound convenient, they often come at the expense of quality and accountability. Contractors selected by insurers may be more focused on saving the insurance company money than on delivering high-quality workmanship.
We’ve represented clients who dealt with poor repairs, incomplete work, or rushed jobs—all because the contractor was loyal to the insurer, not the homeowner.
Can You Choose Your Own Contractor?
In some cases, yes—but it depends entirely on the language in your policy. Many policyholders are shocked to learn they signed away this right without realizing it. If your policy includes a mandatory MRP, you may be stuck with the insurer’s choice.
That’s why we recommend reviewing your policy regularly and speaking to an attorney if anything is unclear. If your policy does not contain a Managed Repair clause, most states allow you to choose your own licensed contractor.
Know Your Rights as a Policyholder
Most states require insurers to act in good faith when handling claims. If your insurer’s chosen contractor delivers substandard repairs, delays the work, or causes further issues, you may have legal recourse.
At Godbey Giardina Law Group, we help homeowners hold insurance companies accountable when they overstep or underdeliver.
Final Thoughts
Don’t get pushed into using a contractor who doesn’t work for you. Managed Repair Programs are built to protect insurance companies’ bottom lines—not your home. If you’re being pressured into one, know your rights and push back.
Contact the legal team at Godbey Giardina Law Group for a free consultation. We’re here to ensure you get fair treatment and the quality repairs you deserve.
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