Who Makes The Decision ?

[pilotlight]

Recently, a vehicle demolished part of my house. My house/contents insurer's representative has informed me that the driver's insurance company have accepted full responsibility, and will therefore be liable for all rebuilding/contents costs.
My insurance company's representative informed me that my insurance company could provide a builder to quote for rebuilding work, or I could provide my own builders quotes.
I informed him that I would provide one quote ( a builder who has carried out work for me in the past, and who I have every confidence in ). My insurance company are also providing a builder's quote .
Will the contract automatically go to whoever's quote is lowest, or, (should the insurance company's builder's quote be lowest), will I, as the house owner not get a say in the matter ?

[Old_Geezer]

Sorry not to have the expertise to know but my experience with car claims is that you get to argue and agree value between you. I'd have thought house damage repair would be similar ?

[BRIGHT SPARK]

If you want your own builder and he is more expensive then you may have to find the difference.

[soapnumpty]

I used to deal with property damage insurance claims and in my experience the insurance co will always go with the cheapest quote. If you want to go with the dearer one you will probably have to pay the difference. I hope it works out ok. Sounds awful.

[Blymey]

You may find that you can use a 'None approved repairer' for an additional excess. It will be on your policy schedule, and is usually only about £200 more, However, the insurance company won't guarantee any work that's not carried out by their approved repairers, if you use theirs, they should guarantee the work and come back to fix anything your not satisfied with, but only while you continue to be insured by them.

[chas2008]

as you are non-fault you should be able to insist on your own building company as long as the costs are acceptable...