As a homeowner or business owner, recovering from the impact of a hurricane can be very difficult and stressful. This difficulty and stress can be compounded by the actions of unscrupulous contractors. At Crossroads Insurance Recovery Advocates, we want to help you avoid falling victim to contracting scams. Here are tips to help you in your property repairs without hassle.
1. Be Wary of Door-to-Door Solicitors
After a natural disaster, it is common for scammers to go door-to-door offering quick repairs. Do not entertain such offers. Research and hire a contractor through proper channels like contractors’ websites, Texas Department of Licensing and Regulation and Better Business Bureau to name a few.
2. Verify Credentials
Always check the credentials of a contractor before hiring them. Check they are licensed and insured in Texas. One way of verifying is through the Texas Department of Licensing and Regulation website. Do not work with an unlicensed contractor. Such contractors may result in substandard work and potential legal issues.
3. Get Multiple Estimates
Get at least three or more quotes from different contractors. Review the quotes and compare with prevailing market rates. Be wary of quotes that are too high or too low. “Too high” quotes likely mean you are being overcharged. Quotes that are too low may lead to substandard work.
4. Check References and Reviews
Along with the quotes, ask the contractors for references from previous clients. Contact and interview said clients. Check for online reviews from Google, Yelp, Better Business Bureau.
5. Consult Your Insurance Company
Consult your insurance company before signing a contract or starting any repairs. They can provide guidance on the claims process, recommend reputable contractors, and ensure that the work meets your policy requirements. This step can also prevent you from paying out-of-pocket for repairs that should be covered by insurance.
6. Get Everything in Writing
Make sure you have a contract before any work starts or payment is made. Make it clear to the contractor that there is no agreement without a contract signed by all relevant parties. The contract should contain the scope of work, materials, timeline, overall fee and payment schedule. Sign the contract only after you review and understand all the terms in said document. Consult your insurance company or a reputable Public Insurance Adjuster if you need help. A contract protects you by ensuring performance of work or providing recourse if the contractor does not deliver as promised.
7. Avoid Upfront Payments
Do not hire contractors who demand full payment upfront or ask for large deposits. If your contractor asks for full payment upfront, do not pay. Legitimate contractors will not demand full payment upfront. Standard practice is to pay a portion of the cost upfront and the balance upon a payment schedule.
8. Report Suspicious Activity
Immediately report to local authorities suspicious behavior of the contractor or if you experience a scam. Reporting such will protect you and others from falling victims to scams.
Conclusion
Post-hurricane repairs are always challenging. By following these tips, you can protect yourself from contracting scams. At Crossroads Insurance Recovery Advocates, we are committed to helping homeowners and business owners get the post-hurricane insurance assistance they need. Want to know more? Need help in contractor vetting? Contact us at 713 369 4300 or send us an email at contact@crossroadsira.com
