Watch Out For Storm Chasing Contractors
Share
Posted by Addie B. on August 9, 2017 in Home Focus

Your home just suffered damage at the hands of a storm. Whether it is from hail, a tornado, high winds, or another form of weather, you need to be prepared for what comes after the storm passes. It is becoming more and more common for storm-chasing contractors to show up at your front door looking to scam you with the promise of quick work and low costs. Don’t take the bait and end up on the raw side of a bad deal like many homeowners. Before signing anything, you should take some time to educate yourself. Here are some tips to get you started.

 

Report storm damage to your insurance company. It is important to promptly notify your insurance company of damage that will result in a claim. Keeping them in the loop early can help with processing your claim and getting you back on your feet quickly. 

 

Get multiple bids. While it might seem convenient to have the contractor come to your door with a sweetheart deal, it isn’t reality. Don’t agree to the offered terms until you’ve obtained a few bids and can compare.

 

Do your research. Make sure a reputable company will be working on your home. Working with a local contractor can make this easier. A quick and easy search with the Better Business Bureau can give you insight into how the company is run and what others might have to say about their work. Be wary of a contractor saying he is through the government or FEMA.

 

Get references. Have them prove their quality of work with customer reviews or referrals. A company shouldn’t feel put out by such a request and hesitation on their part could be a sign that their work isn’t high quality.

 

Ask to see their license. Be sure they are who they say they are. If they are licensed or certified to do the work, they should have no problem proving it.

 

Make sure they’re insured. A contractor should have insurance to cover themselves and their workers while on your property. Be sure they have coverage to avoid having any work-related injury claims made against your homeowners insurance.

 

Know what your homeowners policy says. Make sure you understand what your policy does and does not cover to avoid being talked into repairs that aren’t needed and aren’t covered. Also, reasonable expenses resulting from your efforts to protect your property from further damage may be covered.

 

Never pay for work upfront. Avoid paying with cash and don’t pay for the whole project all at once. Cash does not leave a paper trail in the event the contractor does not perform the work as promised.

 

Remember, not all contractors who come to your door are scammers, but you should be cautious. Do your research, get things in writing, and don’t sign a contract until you are comfortable.

Addie B.
Addie has a wide range of personal insurance experience and with her position at Acuity, has been able to specialize in homeowners insurance. On top of her homeowners insurance knowledge, Addie has a good understanding of the insurance industry in general. She focuses on the consumer allowing her to play a key role in product development. Also, she is currently working towards an Associate in General Insurance designation. In her free time Addie spends time outdoors and enjoys playing and watching sports.


Insurance that speaks to you because our focus is you.
Posted By: Addie B. on August 16, 2018 in Home Focus
Buying a home can be one of the biggest purchase decisions an individual or couple will ever make. It is no wonder that when we start the journey of searching for our first—or next—home, we can get a little overwhelmed. Besides the things that are out of our control, like the housing market (supply and price), there are a few things you can do to make home shopping easier.
Posted By: Addie B. on July 13, 2018 in Home Focus
Many homeowners experience the reality of a growing to-do list without the time or resources to get everything done. As issues pop up, we are faced with deciding whether to act right away or add the project to a list of things to fix later.
DIY
Posted By: Addie B. on July 2, 2018 in Home Focus
Summer weather is here—and so are heat and high humidity. Not only does high humidity make hot temperatures feel even hotter and cause minor annoyances like frizzy hair, but it can also lead to respiratory problems or contribute to heat-related illnesses.