Had a contracted insurance adjuster come to my grandma’s house to look at her damage. While he was writing everything up he tells her he is a general contractor and can fix the house. Ask her to sign paper work where her insurance money goes straight to him and he will give her back what it doesn’t cost to fix her house.
Some insurance companies have preferred vendors/contractors that they will send out if you request it. This might be such a case. But you are right to be wary about this. You should call the insurance company and ask about this and make sure that the insurance company is aware of it and that you fully understand the arrangement.