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What is a Contingency Agreement and Why Do I Need One?

When you’re dealing with storm damage, you may hear us talk about signing a Contingency Agreement—but what is it, and why is it important?

A Contingency Agreement protects you and us!

It’s a simple document that says:

If your insurance provider approves the full or partial replacement of your roof as a result of storm damage, and PRQ can complete the work per the insurance scope, you agree to hire PRQ for the project.

🛡️ Why it’s beneficial for homeowners:

  • No obligation unless approved: You’re not committing to anything unless your insurance claim is approved and PRQ can do the work.

  • Protects your claim: Insurance companies prefer to see a consistent record of who inspected and is managing the repairs.

  • Locks in your pricing: You won’t get surprise bids or bait-and-switch tactics from other contractors.

  • Prioritizes your project: Once signed, we can assign you a Claims Pro and begin coordinating with your adjuster.

🤝 Why PRQ requires it:

  • It allows us to dedicate time and resources to your project (photos, inspection, claim guidance) without charging upfront.

  • It shows mutual commitment: we’re investing in you, and you’re showing trust in us if the insurance approves the work.

✨ There’s no cost to sign, and no risk to you unless the claim is approved and PRQ can perform the work as outlined.

Would you like these as downloadable PDFs, or should I format them in Markdown, HTML, or Notion-style cards for internal documentation?