Under The law, it is your right to determine what company will perform work in your home or business. Some insurance carriers have “preferred contractors” that they recommend, who have agreements with the insurance companies to handle water losses in a certain manner, and at pre-determined prices. You should be aware that these companies often rely on these referrals from the insurance carriers for their company’s livelyhood. This could create a conflict of interest. These companies may not hold the protection of your health and property as their top priority.