How it works
Under a managed repair program (MRP), the insurer directs a preferred or approved contractor to perform the repairs and pays that contractor, rather than issuing a cash settlement so you can hire your own. Some policies build this in through a managed-repair endorsement or a right-to-repair option that the carrier can elect after a loss. The pitch is speed and convenience. The trade-off is that the carrier, not you, chooses and controls the contractor doing the work on your home.
Florida context
Citizens Property Insurance operates a managed repair program for certain water losses, and private Florida carriers increasingly add right-to-repair or MRP endorsements of their own. Read your policy closely for two things: whether participation is mandatory or something you can decline, and what happens to your coverage or payment if you decline. The answer varies by carrier and by endorsement.
What to watch for
- The scope the carrier's contractor writes can be narrower than an independent estimate, leaving hidden damage, code upgrades, and matching underscoped.
- You generally keep the right to dispute the amount of loss, for example through the appraisal clause, even inside a managed repair.
- Confirm the workmanship warranty terms and who is responsible if the managed repair turns out defective.
- Get an independent estimate before you agree, so you can see the gap between the managed scope and the full cost to make you whole.