Imagine this: Your Sno-Valley home whether in Monroe, Duval, Carnation or Fall City has just suffered severe water damage. You call your insurance company, expecting a smooth claims process, but instead, they push you toward an “Approved Contractor” and a Third-Party Administrator (TPA) a company that claims to “manage” everything for you.
What they don’t tell you is that TPAs are not here to help you, they exist to save the insurance company money and time. Homeowners who rely on Program Vendor Contractor’s and TPAs often experience delayed repairs, substandard workmanship, poorly rated contractors, inferior craftsmanship, inadequate customer service and even denied claims and worst of all a controlled experience where you don’t feel like you are on control of your home. Moreover, the experience can become so controlled that homeowners may feel deprived of autonomy over their own residences.
What is a TPA?
A Third-Party Administrator is a middleman company hired by insurance companies to control the cost of claims. They don’t actually work for you. Instead, they:
While TPAs advertise themselves as a homeowner-friendly service, the reality is they are designed to protect insurance company profits, not your home.
TPAs (Third-Party Administrators) are hired by insurance companies to minimize claim payouts—often at the expense of proper repairs. Their primary goal is to reduce costs, not to ensure your home is fully restored. On average, TPAs claim to save the insurance carrier 10-30% per claim.
TPAs enforce strict pricing guidelines that often fail to reflect the true cost of proper restoration in Washington.
Many experienced, independent contractors refuse to work with TPAs due to quality constraints.
TPAs may have limited knowledge of Washington State’s Revised Code (RCW) beyond general contracting provisions.
Some TPAs attempt to impose internal policies over state regulations, potentially disregarding homeowner rights.
Every Mitigation and Restoration Contractor in WA State must be a licensed General Contractor. (BestDry: BESTDL*760KW)
Since TPAs control the approval process, every step requires their sign-off before work can begin. This often delays repairs for weeks, leaving homeowners stuck in damaged, unfinished homes.
TPAs prioritize cost-cutting, which often results in:
✅ Lower insurance payouts than expected
✅ Homeowners paying out-of-pocket to cover the difference
✅ Unexpected repair costs due to substandard work
TPAs are not neutral – They exist to save insurance companies money, not to help you.
✔ Take immediate photos of all damage before anyone touches it.
✔ Contact a reputable and independent restoration company directly—don’t wait for the insurance company to assign someone. Most franchises are also Program Vendors working as a contractor for the TPA
✔ Firmly tell your insurance company you are choosing your own contractor.
✔ Get an independent assessment of the damage.
✔ Don’t sign anything about using their “preferred” vendors without reading the fine print.
At BestDry, we work directly for you—not the insurance company. Unlike TPA-approved contractors, we don’t cut corners or let insurers dictate what gets fixed.
✅ Faster response times – No middleman approval process.
✅ Higher-quality and detailed work – We use the right materials, specialty equipment techniques and cutting edge methods, not just what’s cheapest.
✅ Fair pricing – We ensure your claim covers all necessary repairs, so you don’t miss any required standards and steps.
✅ Advocacy for your claim – We help you navigate insurance obstacles and fight for what you deserve. BestDry specializes in the claims process.
We provide expert Water Damage Restoration, Fire Damage Cleanup, and Mold Remediation throughout Sno-Valley (Monroe, Duval, Carnation, Fall City) and surrounding areas.
💡 You are NOT required to use a TPA-approved vendor. Washington state law protects your right to choose. (https://www.insurance.wa.gov/)
📞 Instead of waiting for insurance approval, contact us directly. We’ll assess the damage, document everything, and help you file the claim.
🛑 Insurance adjusters often undervalue damage. An independent assessment ensures you get the full scope of loss and claim amount you deserve. An insurance provider’s fundamental obligation is to indemnify the policyholder—that is, to restore the insured to their financial position prior to a covered loss. This principle of indemnity ensures that, in exchange for premiums paid, the insurer compensates the insured for damages or losses specified within the policy.
📞 (206) 620-0070
📍 31811 NE 115th Pl, Carnation, WA 98014
📧 bestdry@bestdrynow.com
✅ Free, No-Obligation Assessment
✅ Serving Monroe, Duval, Carnation, Fall City & Surrounding Areas
✅ 24/7 Emergency Response
✅ WA State Contractor License: BESTDL*760KW
