@brjackson wrote:
Insurance policies often provide an insurance company with the right to repair the damaged property. The general rule is that when an insurer elects to repair the damaged property, the insurance contract is changed to a repair contract with no limit of liability. Accordingly, insurance companies rarely invoke this provision directly. Instead, many property field adjusters obtain bids from favored contractors, who promise to do the job for an estimated price, and then the adjusters subtly "steer" policyholders to the favored contractors. Whether the insurer’s suggestion to repair using a favored contractor is more akin to electing the right to repair can be a source of dispute.
