Whether you have just experienced a damaging storm or terrible accident, or you are simply tired of the same old kitchen and would like to remodel, you’re talking about a lot of work. Unless you’re the do-it-yourself, handy type person, chances are you need a contractor. But how do you know if you’ve found the right one? It’s no secret that not all construction outfits are on the up-and-up and you would like to avoid falling victim to the less reliable of them. Follow these tips and guidelines and you can be sure that home improvement project doesn’t turn into a nightmare.
The first thing you should do is some research when hiring a contractor for storm damage, or any other project. Ask to see their license and verify it with your state’s department of labor. Your state agency should also be able to tell you if the contractor has any formal disciplinary actions against them.
The second step is to look for warning signs that a particular contractor is up to no good. The contractor who offer their services unsolicited, arrives in an unmarked van, asks you to sign anything before you hire them, offers to pay your homeowners insurance deductible for discounts or other incentives, requests payment before the work begins, or refuses to provide you with a written contract, is one you should avoid. A reputable contractor does not do any of these things. In fact, it is illegal for a contractor to offer to pay your insurance deductible in some states.
The final step is to ask for a written agreement that highlights the contractor’s work and your expectations. This contract should also specify some sort of warranty for the work being completed. If the contractor refuses to guarantee their work with a warranty, you should move on to the next candidate.
After a storm, break in or other damaging event, many homeowners find they had significant gaps in coverage or simply a sub-quality insurance policy. Knowledgeable, independent agents at Financial Assurance can assist you in finding and comparing several homeowners insurance quotes from a variety of providers, ensuring the policy you purchase will offer the best coverage at the most affordable rates. Don’t wait until the next major storm or damaging event to protect you and your home with the best insurance available. Contact us and start your protection today.