No. You should choose your contractor based on the QUALITY of their work, the VALUE of their service and the length and type of WARRANTY. Your building is a valuable asset and should be repaired properly using quality materials and labor. Your mortgage company expects you to repair your property using materials and labor of like-kind and quality, which is why it is important to select a QUALITY contractor. Furthermore, regardless of which contractor you choose, your only out-of- pocket expense is your deductible and any applicable co-insurance; therefore, your decision should be based upon QUALITY and SERVICE, not price. The lowest bidder might not agree!