Can an insurance company dictate who does the repair work in your condo?

It depends.

If, for example, extensive damage occurs because of a covered natural disaster -- an earthquake -- and the board and the insurance company agree that the insurance company's vendor will complete the repair work inside units on assets covered by the master policy, then the insurance company's vendor may complete the work.

If, however, you prefer a different vendor, it's possible that you could negotiate with the board and pay the difference between what the insurance company's vendor would charge and what your vendor would charge to repair assets inside your unit that you want your own vendor to repair.