Storms will come and go but getting scammed by vendors and unprofessional contractors in a time of need can make the effects of a storm seem to last forever. In the rush to get your home repairs completed so you can enjoy the rest of the summer, be sure to take the time to educate yourself and avoid contractor scams. Schedule a time with your local agent to review your current coverage to ensure it reflects the unprecedented rate increases in building supplies and materials. Be prepared, be educated and be ready for whatever mother nature bring your way.

Tips To Avoid Contractor Scams:

  • Work with only licensed and insured contractors and ask for their credentials.
  • Be wary of contractors selling door-to-door and think twice about high-pressure sales tactics.
  • Make sure the contractor secures required permits.
  • Do not pay in full or sign a completion certificate until the work is completed and you have taken the opportunity to inspect it. Payment schedules should be based on completed work only.
  • Never sign a contract with blanks, and make sure all conditions are noted in the contract. These should include the cost, work to be completed, time schedules, guarantees, payment schedule and other items discussed outside the original contract. Do not let the work begin until you are satisfied with the contract.
  • Check Out the Contractor:
    • Ask for local references.
    • Verify with your local BBB and/or state insurance office.
    • If you use an out-of- state contractor, ask if they have a relationship with a local contractor who will do any warranty repairs. Once an out-of-state contractor leaves, any problems, issues, or warranties may not get handled. 
Your insurance company will inspect your property when a claim is submitted. Avoid contractors who pressure you to let them do an inspection, write a bid for you to give to your insurance company, or offer to take care of business with your insurance company. They may make it sound like it is one less hassle for you this summer, but unfortunately it may create additional concerns or headaches that your insurance company cannot handle. 
Keep in mind, it is your property that has been damaged. You are responsible for your insurance policy, and you need to remain involved and consulted on any damage and subsequent repairs.