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Repair agreements with preferred vendors – property claims

What you can expect

You have received a direct settlement for your claim which is based on the estimate provided by one of our preferred vendors. Now you would like to proceed with repairs. As a client of Co-operators/COSECO/CUMIS, here is what you can expect if you choose to utilize them as your proceed with those repairs:

  1. We guarantee the products and services of our preferred vendors. This extends to repairs of insured damage only; if you wish to have any additional work done, any warranties for that work would need to be negotiated directly with that vendor. Of course, you are free to choose your own vendor, but we do not guarantee the products or services of other vendors.
  2. You may be required to provide a down payment as an advance of funds to any vendor at the outset. Scheduled installments of the remaining balance owing may be required as work proceeds. You may also be required to negotiate different terms depending on the work to be completed and if custom items are required.
  3. The vendor will ask you to sign a work authorization outlining the details of the work and the terms of payment. The actual form used will be specific to the vendor. It is always a good practice to have a written agreement in place to protect you as a consumer, as well as to provide protection for the vendor doing the work.
  4. Our preferred vendors have gone through a rigorous vetting process and have a history of successful business with us. Work that you request outside of the estimate is to be negotiated between yourself and the vendor, documented on a written change order form and signed by both you and the vendor.
Throughout the repair process
We remain available if you need assistance throughout the repair process. There may be occasions where additional unforeseen damage is discovered; have the vendor contact the claims representative and we will respond to additional amounts owing under the policy.