First Choice Repair Network® Supports More Than Claims

When something goes wrong with your home, finding a qualified contractor can be one of the hardest parts of getting things back to normal. But you don’t have to wait for a covered loss to need a reliable home repair professional.

Through the First Choice Repair Network® (FCRN), Security First Insurance customers have access to a network of more than 150 Florida contractors for a variety of home repair, restoration, remodeling and renovation needs.

Whether you’re recovering from a covered loss or tackling a project you’ve been putting off, the FCRN gives you a place to start when you need a contractor.

What Is the First Choice Repair Network®?

The First Choice Repair Network® (FCRN) connects homeowners with a network of more than 150 Florida contractors vetted by Security First Insurance for licensing, insurance coverage, and workmanship standards. Security First continually monitors contractor performance to help maintain the network’s quality and reliability.

The network was created to help homeowners find qualified professionals for home repair, maintenance, and improvement projects. This includes repairs following a covered insurance claim as well as non-claim related home projects.

For homeowners, the benefit is straightforward: Instead of starting from scratch when you need a contractor, the FCRN gives you a place to start with professionals who have already gone through Security First’s network requirements.

Can I use the First Choice Repair Network® if I don’t have an insurance claim?

Yes. The First Choice Repair Network® can be used for certain home projects even when you’re not filing an insurance claim.

Homeownership comes with plenty of repairs and improvements that have nothing to do with an insurance loss. You may need a contractor for a renovation, routine maintenance or an unexpected repair.

Depending on the contractor and services available, the FCRN can help with projects such as:

• Kitchen or bathroom renovations
• Home repairs and improvements
• Roof inspections and other maintenance
• HVAC services
• Plumbing repairs
• Electrical repairs

Keep in mind that using a contractor through the FCRN does not mean the work is automatically covered by your homeowners policy. Whether a repair is covered depends on the terms, conditions, exclusions, deductibles and limits of your policy.

Why use a contractor from the First Choice Repair Network®?

The FCRN gives homeowners a starting point for finding contractors vetted against Security First’s network standards—and eligible work performed through the network comes with a warranty.

Security First’s First Choice Repair Network® adds another layer of confidence. Participating contractors must meet the network’s standards for licensing, insurance and quality, and eligible repair work performed through the network is backed by a warranty.

That warranty matters because the job isn’t necessarily finished when the contractor leaves. If an issue arises with eligible workmanship covered by the warranty, homeowners have additional protection beyond simply hiring a contractor on their own.

Florida homeowners can also use the Florida Department of Business and Professional Regulation’s license-verification tools to check whether a contractor is properly licensed. And regardless of how you find a contractor, it’s important to understand the scope of work, cost, payment schedule, warranty terms and other conditions before work begins.

Our team remains actively involved, helping coordinate repairs and keeping you informed every step of the way.

How does the First Choice Repair Network® help with an insurance claim?

When a covered loss requires repairs, the FCRN can help connect you with a participating contractor and simplify the repair process.

After you report a claim, a Security First claims professional evaluates the damage and determines what your policy covers. The contractor handles the repair work, while the insurance claim determines what is covered and how the claim is handled.

If you choose a participating FCRN contractor for eligible repairs, Security First can remain involved throughout the process. A designated Customer Advocate serves as a single point of contact, helping coordinate communication and provide updates throughout the repair process.

That coordination matters after a loss. You’re already dealing with damage to your home, paperwork and decisions about what happens next. Having a contractor familiar with the process can remove some of the guesswork from finding someone to perform the work. With participating contractors located throughout Florida, the FCRN’s statewide reach can be especially valuable after a major storm, when demand for reputable contractors often increases and reliable options may be harder to find.

Does using an FCRN contractor guarantee that my repairs are covered?

No. Choosing a First Choice Repair Network® contractor does not determine whether damage is covered by your insurance policy.

This distinction is important. A contractor can identify damage and provide an estimate, but your insurance policy determines whether the damage is covered.

For example, a contractor might recommend replacing a component of your home because it is old or worn. That does not necessarily mean the replacement is covered by homeowners insurance. Insurance generally responds to covered causes of loss, subject to the policy’s terms, conditions, exclusions, deductibles and limits.

Your Security First claims professional can help explain how your policy applies to the damage identified during your claim.

What should I look for when hiring a home repair contractor?

Look for a qualified, properly licensed and insured contractor, and get the details of the work in writing before the project begins.

Even when you use a contractor from a vetted network, it’s smart to understand the project and the agreement you’re entering into.

Before work begins:

• Confirm the contractor’s license when a license is required.
• Ask about insurance coverage.
• Get a written estimate or contract describing the work and cost.
• Understand the payment schedule.
• Ask about warranties and what they cover.
• Make sure required permits are obtained.
• Don’t let anyone pressure you into signing an agreement you haven’t had time to review.

These precautions are especially important after a storm, when homeowners may have contractors showing up at their doors offering immediate repairs. Take the time to research the contractor and understand the work before moving forward.

More than help after a claim

The First Choice Repair Network® gives Security First customers another resource for finding qualified contractors when their homes need attention.

Sometimes that means repairing damage after a covered loss. Other times, it may mean tackling a bathroom renovation, addressing a plumbing problem or taking care of a home improvement project.

Updated: September 16, 2026