It is important you choose a vendor to work directly for you to meet the needs of rebuilding your home. Your insurance carrier is not in the business to give away money, so it is in their best interest to have their approved vendors mitigate your loss. In order to do so, the preferred vendor may try to salvage different contents and parts of the structure that should NOT be salvaged. It is up to you as the owner to protect your investment and educate yourself on your rights as the insured. If you elect to select your own vendors-who will be working for you and your needs.