CONTRACTOR ↔ HOMEOWNER · SAMPLE ONLY

An agreement between your chosen trade contractor and homeowner—not a P1Mitigators™ repair contract.

FOR THE HOMEOWNER · WHY PUT IT IN WRITING?

Turn a damage claim into a coordinated repair plan.

You need more than estimates—you need contractors, a documented scope and a payment plan everyone understands.

A properly completed agreement helps turn those moving parts into clear responsibilities for both you and your chosen trade contractor.

Why this agreement helps you

A real commitment—not just another quick quote

A clear agreement gives your chosen trade contractor a reason to invest time in your property: recording damage, taking measurements, photographing conditions and preparing a detailed, defensible estimate.

The goal is a complete repair scope—not simply the cheapest number with important work left out.

Once both parties accept the final scope, price and schedule, the written agreement defines their commitments.

Show your carrier you already have a repair team

You can present an organized recovery plan with identified contractors and itemized estimates instead of starting from scratch every time someone asks who will do the work.

That may reduce back-and-forth and avoid unnecessary rounds of quote shopping across multiple trades.

It does not automatically remove a request for three estimates or override policy requirements, inspection rights or any applicable insurer repair option.

Connect each trade’s payment to that trade’s repairs

The direction-of-payment request identifies the contractor responsible for each agreed repair scope and asks that contractor to be included as a co-payee where permitted.

This creates a clearer trail from approved repair funds to the company doing the work, helping keep the project focused on restoring your home and protecting its condition and value.

It is not an automatic transfer of policy benefits or a guarantee of direct payment; carrier procedures, lender requirements and the agreed payment schedule still apply.

A written price—not unexplained requests for more money

An accepted scope, price and payment schedule give you a written basis to question charges that were never agreed to.

Hidden damage, code requirements or owner-requested upgrades can legitimately change a project, but additional work and its cost should be documented and authorized in writing before that work proceeds.

When additional insurance payment is requested, the contractor must support the request with accurate repair documentation; a supplement is not a blank check or guaranteed coverage.

Agree on waiting for claim money before work starts

Claim payments, supplements and mortgage-company releases can take weeks and sometimes months.

A contractor might otherwise propose 50% down and 50% immediately upon completion, which may not match the timing of your insurance checks.

A written agreement lets both sides negotiate deposits, progress payments and any waiting period in advance, giving a willing contractor a documented basis to accept insurance-funded work.

Delayed payment is not automatic: the contractor must expressly agree to it, and you remain responsible for your deductible, authorized noncovered work and payments due under the final schedule.

Be ready for your mortgage company’s paperwork

If you have a mortgage, your lender may be named on insurance checks and may hold or release the funds in stages to protect its interest in the property.

A signed trade contract, itemized estimate and payment schedule can help satisfy its requests before it endorses a check or releases a repair draw.

Having these documents ready can reduce avoidable delays, although your lender may also require inspections, contractor credentials, invoices or other records.

Protect your claim with an honest paper trail

Dated photos, itemized invoices, change approvals and payment records help show what was damaged, what was repaired and what was actually paid.

Never certify that unfinished work is complete or that an unpaid bill has been paid.

Knowingly submitting false material information with intent to defraud an insurer can lead to criminal penalties, including felony charges where applicable; an ordinary pricing disagreement or good-faith error is not automatically fraud.

Accurate records protect everyone and help support eligible requests for recoverable depreciation.

A clearer finish line—and less for you to chase

Identifying each contractor’s scope makes it easier to coordinate trades, spot gaps and understand who is responsible for each part of your recovery.

Completion photos, a punch list, applicable warranties, payment credits and appropriate lien releases help you close out the job with useful records—not just verbal assurances.

P1Mitigators™ coordinates the paperwork and trade relationships; your agreement for the physical repairs remains with the named trade contractor.

Documented repairs support future maintenance and resale questions, without guaranteeing an appraisal value, payout amount or completion date.

Commitment works both ways—read the obligations too.

This is not just permission to collect a free estimate: the proposed agreement includes a commitment to award the accepted, approved and funded work to the named contractor.

It also proposes a 25% cancellation/default fee for specified circumstances, subject to the exceptions and limitations in Section 6 and applicable law.

Statutory cancellation rights remain intact, and the draft provides no fee under this agreement if the claim is completely denied.

Review the scope, payment schedule, missing information and cancellation terms before signing any final version.

The benefit is clarity: who is doing the work, what they agreed to do, how they will be paid and how the job will be closed out.

Read the agreement ↓

Sample Only

Work Authorization & Insurance Contingency Agreement

Contractor–Homeowner Agreement · Sample Only

Coordinated through P1Mitigators™ on Contractor’s behalf.

Insurance Company: Sample Only

Claim #: Sample Only

The parties & this contractor’s work

Sample Only — no named contractor, homeowner, property or live claim.

The contractor’s written scope identifies the agreed work, quantities, price and payment schedule.

FULL TERMS

1. Parties & assigned work

This agreement is between the named trade contractor and homeowner for the assigned scope listed in the linked Full Terms.

Owner authorizes inspections, damage documentation, measurements and an itemized estimate—not physical construction until the final scope, price, payment schedule, permits and cancellation rights are settled.

2. Insurance contingency & contractor acceptance

Owner agrees to award Contractor the assigned work approved and funded by the carrier at a price Contractor accepts in writing.

Complete denial or failure of the contingency creates no inspection, estimating or cancellation fee under this agreement.

Contractor may decline an insufficient Replacement Cost Payout; Owner may then use another contractor for that declined scope without a cancellation fee.

3. Deposits & payments

Contractor sets its own lawful deposit terms, accepted by Owner in writing, and may wait until those terms are met before starting.

Owner requests Contractor as co-payee for its assigned scope where permitted; this is not an assignment of insurance benefits or authority to endorse Owner’s name.

Owner owes only the agreed lawful balance for Contractor’s work, including the deductible and authorized noncovered work, with all payments credited.

4. Cancellation & default

All applicable statutory cancellation rights remain intact.

Only after those periods expire, approval and funding, and Contractor’s written acceptance and ability to perform, refusing the agreed work or hiring another contractor may trigger the proposed 25% fee on this contractor’s approved, unperformed scope—not the entire claim.

Full Terms Section 6 controls the exceptions, credits, no-double-recovery rule and 15-day payment-or-dispute period; the percentage is not automatically enforceable.

5. Coordination & completion

Zero homeowner costs for P1Mitigators™ insurance coordination; Contractor pays its separate coordination fee.

P1Mitigators™ coordinates paperwork and checks in only—it is not a repair contracting party, work supervisor or insurance adjuster.

Contractor remains responsible for its work, completion documentation, applicable warranties and final accounting.

Owner signature page

Contractor ↔ Homeowner · Sample Only

Homeowner signature: Sample Only — not enabled

Execution date: Not signed.

Contractor acceptance: Sample Only — not signed or accepted.

P1Mitigators™ does not sign as the repair contractor or homeowner.