Your Insurance Claim. The Best Contractor. Zero Hassle.

Your insurance agent sent you here because we help homeowners like you get the best deal on covered damage repairs. Multiple contractors compete for your job — and you pay nothing.

How It Works

Four simple steps to find your contractor and get started on repairs.

1

Tell Us About Your Claim

Enter your name and address. We'll help you gather everything else.

2

We Help With the Paperwork

Don't have your insurance estimate? We'll help you request it. Need measurements? We've got that covered. Our guided tools walk you through everything.

3

Contractors Compete for Your Job

Your claim package goes to licensed, insured contractors. They compete with their best bids.

4

Compare, Choose & Relax

Review bids side-by-side. Sign your contract electronically. Your contractor reaches out within 48 hours.

100% Free for Homeowners
Licensed Local Contractors
Switch Contractors Anytime
We Handle the Paperwork

What Makes Us Different

We Don't Sell Your Information

We don't sell your name to contractors. We deliver a fully executed contract to the contractor YOU choose.

Works With Your Insurance

RCV or ACV policy, we adapt. Our tools help you understand your coverage and what you'll pay out-of-pocket.

Insurance + Out-of-Pocket Work

While your insurance claim covers damage, many homeowners use this opportunity to get competitive bids on additional projects like new gutters, siding repairs, or other exterior work — all at the same time. Otter Quotes handles both.

Your Agent Trusts Us

Your insurance agent recommended Otter Quotes because they know we handle the contractor side professionally and transparently.

Get Started

Start your search for the perfect contractor — it only takes a minute.

Frequently Asked Questions

What does it cost me?

Nothing. Otter Quotes is 100% free for homeowners. Contractors pay a small platform fee when they win your job.

Do you handle my insurance claim?

No. We're not a public adjuster. You file your own claim with your insurance company. We help you find the best contractor after you have a claim.

What if I don't have my insurance estimate yet?

No problem. We have a guided "Help Me" tool that walks you through requesting your estimate from your adjuster.