Do You Have to Use Your Insurance Company’s Roofer in Evansville? Know Your Rights.

Your First Step in the Claim Process

When storms hit Evansville and damage your roof, your first call is likely to your insurance company. But when they recommend a contractor, do you have to use them? The short answer: no.

At Upright Construction, we believe homeowners should have full control over who works on their homes. Here’s what you need to know about your rights when it comes to insurance roof repairs in Indiana.

1. You Have the Right to Choose Your Own Roofing Contractor

Indiana law does not require you to use the contractor recommended by your insurance company. While insurers may suggest someone from their network, you’re free to hire any licensed and insured contractor you trust.

2. Insurance Companies Can’t Legally “Steer” You

If your insurance provider pressures or intimidates you into using their contractor—by threatening delays, reduced coverage, or nonpayment—that’s called “steering,” and it’s illegal in most cases. If this happens, you can report them to the Indiana Department of Insurance.

3. Why Their Roofer Might Not Be Right for You

Insurance-recommended roofers often work under a Direct Repair Program (DRP). These roofers may prioritize speed and cost savings over long-term quality, using lower-grade materials or skipping details that matter. That’s not always the case—but it’s something to be aware of.

At Upright Construction, we work for the homeowner, not the insurance company. We’re local, experienced, and committed to doing things right the first time.

4. We Can Work Directly With Your Insurance

We regularly help Evansville homeowners by reviewing their insurance estimates, ensuring all storm-related damages are accounted for, and communicating directly with adjusters. You won’t have to navigate the claim process alone.

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Need Help With Your Roof Insurance Claim in Evansville?

Contact Upright Construction or request a free roof inspection today.