Is it my court right to opt out of my insurance company's builder & request my own?
Answers:
Yes, but the insurance company doesn't own to foot an increased cost only because your builder, for example, charges $1000 for the framing, if their builder will do duplicate work for $500.
That would depend entirely on what your insurance policy say. Find your copy (or request a Xerox of theirs) and read conscientiously. Don't dally to pilfer it to a attorney if you can't brand name sense of it.
Generally speaking, an insurance company will pick a builder because they hold given the insurance company correct rates, collectively better than most builders would be ready to work for. You own a right to discuss near the insurance company in the order of using another builder, and they may or may not agree. You can also request that the insurance company basically dispatch you a check for repairs or replacement (depending on what be destabilized on the building). However, if they dispatch you a check they will potential hold you sign a settlement form contained by which satchel, in that will be no secondary funds compensated out if the cost of construction go up within the middle of the project.
My counsel would be to speak next to your claims adjuster and agree to them know why you don't close to the builder they chose or why you similar to the one you chose. If you enjoy valid reason, the adjusters will across the world work next to you. They will not, however, switch builders if it is going to cost them more unless at hand is some central aim they should not be using the builder they chose so be prepared to enjoy a really devout story.
Good luck!