It’s your property and who repairs your property is your choice. Many insurance companies will provide you with a list of preferred contractors. They often stand behind the work done by these contractors. However it is in the interest of the insurance company for you to use their prefered contractors. The insurance company saves money and can influence the scope of work that the contractor is willing to do. Choosing your own contractor is beneficial to homeowners who want the comfort of knowing that the contractor is more closely aligned with their interests than the insurance company. You are well within your rights to choose your contractor following any kind of claim. The North Carolina Department of Insurance offers claim guidance in this pdf.