Who Chooses? What Applies?

Hiring UCAG does not tie you to a contractor.

We work to get you the claim money you are owed. You choose who does the repairs.

UCAG represents you in documenting, presenting, and negotiating your property claim. We do not require you to hire a particular roofer or repair company as a condition of working with us. Our focus is your claim recovery, so you can move forward with your own repair team.

Your claim. Your decisions. At each key decision point, UCAG presents the facts, explains your options, and shares our recommendation. You decide how to move forward.

Repair options can be complicated. Do not assume the carrier’s first explanation answers every question. Ask which policy provision applies, what choices you have, and what the proposed arrangement means for your home. UCAG can review the claim-related provisions and the carrier’s proposal with you, explain the options, and recommend next steps. You make the decision.

Who will repair the property—and what will insurance pay?

Choosing a contractor, signing a construction contract, and settling an insurance claim are separate decisions.

• Check relevant repair-option and program provisions.
• Review the contractor’s scope and agreement.
• Resolve differences between the repair estimate and claim scope.

Is the issue defective construction?

Some legal procedures give a contractor or construction professional notice of alleged defects and an opportunity to inspect and respond before legal action.

• This is separate from the insurer’s repair option.
• Requirements depend on the applicable law and dispute.
• Ask which state-specific process applies before taking action.

Is the carrier offering its contractor network?

A managed or preferred repair program is not automatically the same as a formal option-to-repair election. Its terms and any endorsements matter.

• Is participation optional under your policy?
• What changes if you choose another contractor?
• Who provides the warranty and handles complaints?

Does the policy actually give the carrier this option?

Some policies allow an insurer to repair, rebuild, or replace covered property. Whether and how it can exercise that option depends on the policy and applicable law.

• Ask for the exact policy provision and written election.
• Confirm the repair scope and who performs the work.
• Clarify permits, workmanship, scheduling, and disputes.