What the carrier can require
- Scope of repair agreement (the work must match what's paid)
- Licensing and insurance (any Florida-licensed contractor meets this)
- Invoices and documentation to release RCV holdback
What the carrier cannot require
- Use of a specific vendor
- Rebates or kickbacks to the insured
- Sign-over of the claim check
Why the carrier pushes preferred vendors
Price. Carrier-network contractors often work to carrier-dictated Xactimate pricing, which can undercut actual Florida market rates.