With the recent and future storms a lot of us will face the daunting task of clean up and major repairs. Facing the loss of everything that had value does not even cover the later possible loss when facing a scrupulous contractor that who’s only intention is to make some quick money. You cannot do anything about what Mother Nature has done or is in store for us but I can give you some small tips and tit bits on keeping from facing more damage due to bad contractors.
Make certain you call your insurance company first and have an appraiser come out to your home. The insurance company will also know some good reliable contractors. There is a good possibility that not everything is covered but at least a good contractor may lessen the loss, unless you have a total loss like one of my friends had. Your insurance agent will let you know what you can or should not do to lessen the loss before the adjuster comes to your home. It would be wise to follow their advice.
The contractor should know what permits you may need or you can call your local municipality and find out what possible permits you need to for any major renovation or reconstruction. Yes these permits they will cost you money but this will require inspections and help insure that the work will get done right and to current code. While talking to your municipalities ask for the cost of each permit. I have seen contractors inflating the price trying to get you to forego a permit. The permit can be a major pain but it is only there to insure that you the homeowner will get what you paid for and that you are safe and up to current code when you are moving back into your home.
When you need to find a contractor yourself you can refer to these and other possibilities:
- friends and family referrals
- Local Real Estate Agents and Brokers
- Chamber of Commerce
- Angie’s list
- Better Business Bureau
While picking a contractor ask for the following items from them.
- Their contractors’ licenses. In most states contractor or general contractors have to be licensed. Did you know you can verify a license online and can check if there is any pending litigation?
- Copy of their insurance certificate. A reputable contractor is insured and bonded. Call the insurance agent named on the policy to find out if it is still active.
- Get references to call. When you call them ask if you can visit to see the work performed by the contractor.
- Call the BBB and log on to Angie’s list to inquire about this contractor.
When getting your estimates of repairs DO NOT let the same contractor provide you with two separate estimates in two different names just to give you a “great Deal”. That is a good indication that the contractor is dishonest. Just last night I overheard one of the contractors I know, but never did business with, talk about this to one of his friends and he was proud of it. He will NOT be on my referral list!!!
Get at least three estimates from separate contractors. This will give you a good idea on how much in average the repairs will cost. One Caution! There are might be hidden damages that will cost you extra and most contractors have an open ended statement in their contracts to that effect. So be prepared for that.
The one thing you will need to pack on this trip is a lot of patience….and be ready for a longer trip!!!