After a hurricane hits Cape Coral, your world feels upside down. Water is pouring in, mold is threatening your air quality, and damage is unfolding by the minute. That’s when the insurance company steps in and offers you a “preferred” contractor—someone they trust to do the job quickly and cheaply. At 1-800 Water Damage of Naples, FL, we want you to know the truth: You are under no obligation to accept that offer. And often, you’re better off saying no.

You Paid the Premium—Now You Get to Choose

Legally, your insurance company cannot force you to use their vendor. In Florida, homeowners have the full right to choose their own licensed restoration provider—especially after a hurricane. If they say otherwise, they’re wrong. Preferred vendors are not neutral. They’re chosen for a reason—and it’s rarely because they do the most thorough work. They’re chosen because they save the insurance company money.

The Job Might Be Fast—But That Doesn’t Mean It’s Thorough

We’ve seen preferred vendors rush through restoration jobs to check the boxes. The fans are pulled early. The moisture meters don’t come out. The air smells “better,” but the walls are still saturated. The baseboards are dry, but the studs are still soaked. To the insurance company, “visibly repaired” means the job is done. But to us, that just means the risk is hidden deeper.

A Cape Coral Homeowner Accepted the Insurance Vendor—And Regretted It

Three months later, the floor started to rise, the paint began to bubble, and the musty smell returned, stronger than before. When they called the vendor, no one answered. When they called the insurer, they were told the claim had been closed. That’s not restoration, that’s abandonment.

We Work for You—Not the People Cutting the Checks

At 1-800 Water Damage of Naples, FL, we don’t work from insurance playbooks. We work from science. We use thermal imaging, moisture meters, and professional testing protocols. We verify damage behind walls and under floors—because surface fixes aren’t enough in Southwest Florida humidity. If we find more damage than the adjuster expected, we document it. We don’t skip steps, we don’t cut corners, and we don’t disappear when the job gets hard.

Your Home Deserves More Than a Rush Job

You’re not just cleaning up water, you’re rebuilding your life. Your child plays on these floors. You sleep under this roof. You deserve to choose someone who takes that seriously—not someone who’s trying to wrap up your job before lunch. You want someone who works with the insurer, yes—but not for them.

The Fastest-Moving Homeowners Protect Their Claim Before the Damage Grows

The best time to call us is before the insurance company assigns someone. Once they send a vendor, everything becomes harder to challenge. You lose leverage, you lose documentation, and you lose the opportunity to direct how your home gets put back together. The smartest Cape Coral homeowners already made that call. They hired their own team. They kept the power—and they’re sleeping soundly because of it.

Don’t Be Pressured Into a Contractor You Didn’t Choose

This isn’t a partnership, this is your property. And no insurance adjuster or vendor agreement can take that from you. If the vendor disappears later, it’s your name on the deed—not theirs. Call 1-800 Water Damage of Naples, FL at (239) 206-3131 before your insurer’s vendor cuts a corner that costs you more later. If you live in Cape Coral, your house is your decision—and we’ll help you protect it like it’s our own.