Hiring an Insurance Restoration Contractor?

Ask these 3 questions first

Michael Haselhoff smiling with arms crossed on an outdoor bridge, wearing a black polo featuring the Spyder Construction logo, with blurred brick buildings in the background.
Michael Haselhoff
Senior Project Director
June 22, 2026
4 min read
A dedicated on-site superintendent in a yellow and orange safety vest and hard hat inspects construction progress with a clipboard, standing in front of building scaffolding and lumber stacks.

The problem is that restoration projects rarely succeed or fail because of the number on the bid. They succeed or fail because of how the contractor manages the job after the contract is signed.

The contractors who protect schedules, control change orders, and keep claims moving often reveal themselves long before the first hammer swings. You just have to know what to ask.

The lowest bid rarely predicts the best outcome.

Focus on three things instead:

• Who will supervise the job every day
• How the contractor handles change orders
• Whether they can explain the project timeline in detail

Those answers will tell you far more about future project performance than the estimate itself.

Quick answer

Ask about dedicated job site supervision, change order history and policy, and a week-by-week project timeline. These three questions reveal more about an insurance restoration contractor’s reliability than any bid comparison.

How do you supervise the job site?

This question reveals whether your restoration contractor puts a dedicated superintendent on your commercial property or sends a project manager who stops by for 15 to 20 minutes a day. The distinction matters for every multifamily and commercial restoration project.

A dedicated superintendent is on your job site eight hours a day, five days a week. Problems get caught the same day. Subcontractor conflicts get resolved in real time. Safety and documentation happen continuously. A project manager who “visits daily” is doing a check-in, not supervising. Problems discovered during a brief visit have usually been compounding for days.

What full-time supervision looks like on a commercial restoration project

A dedicated superintendent catches problems that a drive-by PM misses:

  • Coordinates subcontractors in real time instead of discovering scheduling conflicts days later
  • Resolves quality issues before they cascade into rework and delays
  • Enforces safety compliance on site, not from a phone call
  • Documents daily progress with photos and field notes that support your insurance claim

In occupied multifamily buildings, where tenants are living adjacent to active construction, that daily presence is the difference between a controlled site and a complaint-generating mess.

When you interview a contractor, ask specifically: how many hours per day will your supervisor be on site? The answer should be a full workday. If the answer is “our PM visits daily,” push on the distinction.

When does a change order become my responsibility versus yours?

A contractor with thorough upfront scoping should limit most change orders to three categories: code-required upgrades mandated by local jurisdictions, permit fees that cannot be determined until incurred, and genuinely unforeseen conditions discovered during demolition.

When change orders regularly fall outside those categories, it often points to gaps in the original scope rather than truly unexpected conditions.

When change orders are a red flag

Ask the contractor about change orders on their last three to five projects of similar scope. What triggered them? How were they handled? Were they caused by code requirements, unforeseen conditions, or something that should have been identified during scoping?

The goal is not to find a contractor who never has change orders. The goal is to understand whether they are the result of genuinely unexpected conditions or a pattern of missed scope.

If a contractor regularly points to surprises that could have been identified before the contract was signed, that’s a red flag. If most change orders stem from code upgrades, permit costs, or conditions that were impossible to discover until demolition, that’s a very different story.

What is your realistic timeline for this scope of work?

An experienced restoration contractor should be able to give you a week-by-week projection based on the scope of your commercial property damage. Four months, five months, whatever the project calls for. The number itself is not the point. Whether they can explain it is.

Ask them to walk you through it. If they can break the timeline into phases and explain what happens in each phase, they have done the estimating work. If they give a single number with no detail behind it, they have not.

Why week-by-week matters for commercial property managers

Every additional week on a multifamily restoration project has a direct financial cost. Displaced tenants mean lost rent. Business interruption benefits have windows that expire. Lease-up timelines push further out. A timeline that slips by “just a few weeks” can cost tens of thousands in lost revenue and extended displacement for your commercial property.

What most property managers compare vs. what actually predicts success

What most property managers compareWhat actually predicts success
Lowest bidDedicated on-site supervision
Fastest promised timelineProven schedule accuracy on past projects
Number of bids collectedChange order history and scoping discipline
Insurance company’s preferred vendor listRelevant commercial restoration experience
General contractor credentialsInsurance claim process expertise

When you do not need multiple bids at all

If a contractor answers all three questions with specifics, references, and a documented track record, you do not need to keep shopping. Spending another two weeks collecting bids from contractors you have not interviewed will not improve your outcome.

Your insurance policy almost certainly does not require multiple bids. The “three-bid requirement” is a common recommendation from adjusters, not a contractual obligation. Before you spend weeks collecting unnecessary estimates, read about how the three-bid myth might actually be costing you more than it saves.

The best time to evaluate a restoration contractor is before a loss occurs. When a contractor earns your confidence through this process, you can identify them as your preferred partner long before an emergency forces a rushed decision.

Take control of your next insurance restoration project

If you’d like to see how our team approaches supervision, change orders, and project scheduling, start a conversation with our team.

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FAQ

What is an insurance restoration contractor?
An insurance restoration contractor repairs or reconstructs commercial and multifamily property damaged by fire, water, storms, or other insured events. They work directly with insurance carriers and adjusters to scope the damage, prepare detailed estimates, and complete the work within the approved claim. Unlike a general contractor, they understand the insurance claim process and adjuster communication.
Yes. Your insurance policy gives you the right to select your own contractor. You are not required to use the insurance company’s preferred vendor. Choosing your own contractor allows you to vet their supervision, change order history, and timeline track record before signing.
Most insurance policies do not require multiple bids. This is a common misconception that delays recovery during an active commercial insurance claim. If you have already vetted a restoration contractor through an interview process, you can name them as your preferred vendor.
A restoration contractor focuses specifically on insurance-funded repair and reconstruction. They understand claim workflows, adjuster communication, code-upgrade documentation, and the urgency of tenant displacement on commercial properties. A general contractor may be skilled at construction but unfamiliar with the insurance process, which can lead to scope disputes and delayed approvals.
The restoration contractor scopes the damage, prepares a detailed estimate, and submits it to the insurance adjuster for approval. They handle scope disagreements, document code-required upgrades, and manage supplemental claims when unforeseen conditions arise during demolition. A good restoration contractor has established credibility with adjusters, which speeds up approvals on commercial claims.
Michael Haselhoff smiling with arms crossed on an outdoor bridge, wearing a black polo featuring the Spyder Construction logo, with blurred brick buildings in the background.

Michael Haselhoff

Senior Project Director

Michael brings years of heavy-duty field leadership and construction logistics to the Spyder team. As Senior Project Director, he coordinates multi-million dollar structural repairs, building envelope restorations, and capital improvements, ensuring strict adherence to timelines and safety protocols on every job site.

Our services

Commercial restoration services

Emergency Restoration Services

Emergency water, fire, and storm damage restoration across Colorado’s Front Range, with mitigation services designed to support faster, more efficient rebuilds.

Environmental Services

Mold remediation, asbestos abatement, and hazardous material decontamination – including meth, fentanyl, and lead – are handled by our licensed crews, ensuring safe removal, compliance, and a clear path to reconstruction.

Insurance Restoration

Large-loss restoration from emergency response through full rebuild. We manage water and fire damage mitigation, environmental abatement, reconstruction, and complete insurance claim documentation from start to finish.

Commercial Improvement Services

Upgrades to shared spaces and building systems that improve function and value, completed efficiently with minimal disruption to occupants.

Commercial Roofing

Commercial roofing systems built for durability, performance, and protection. We handle repairs, replacements, and upgrades with minimal disruption, keeping your building secure and weather-resistant.

Commercial Envelope and Reconstruction

Exterior restoration of roofs, siding, windows, and structural envelopes – improving durability and efficiency with minimal disruption to occupied properties.

have a project or emergency?

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Tell us what’s going on and we’ll get back to you quickly with next steps. We typically reply in 1-2 business hours.

If you have an emergency? Call 24/7 (877) SPYDER-1

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