“Thundersleet 2014” left a trail of fallen trees coupled with a range of property damage. BBB reminds those who experience storm damage to take certain precautions when cleaning up and making repair decisions.
Some of the most common “after-disaster” scams involve your auto, home and yard repairs or clean-up. Although you may be anxious to get things back to normal, avoid letting your emotions get the better of you. Don’t be pressured into making an immediate decision with a long-term impact. Be pro-active in selecting a business and not reactive to sales solicitations.
The Better Business Bureau offers the tips to help you find the right contractor:
Check with your insurance company about policy coverage and specific filing requirements. Save all receipts, including those for food, temporary lodging, or other expenses that may be covered under your policy. Make sure you take pictures of all the damage.
For major repairs, take time to shop around and get three to four estimates based on the same specifications and materials. Check out references that are at least 1 year old, verify with the building department at your city hall that businesses are required to be licensed/registered to do work in your area.
Be wary of door-to-door workers who claim to have left-over materials from a job “down the street” or who do not have a permanent place of business. If sales people go door-to-door, check to see if your community requires them to have solicitation permits.
Be leery if a worker shows up on your doorstep to announce that your home is unsafe. If you are concerned about possible structural damage in your home, have an engineer, architect or building official inspect it.
Require a written contract agreement with anyone you hire. It should specify the work to be done, the materials to be used and the price breakdown for both labor and materials. Any promises made orally should be written into the contract, including warranties on materials or labor. Be sure their name, address, license number, if applicable, and phone number along with a start and end date for the work are included in the contract. Read and understand the contract in its entirety and don’t sign a blank contract. A copy of the signed contract is to be given to you at time of signature.
Once you have found a contractor, request proof of a current insurance certificate covering workman’s compensation, property damage and personal liability.
Never pay in full for all repairs in advance, and do not pay cash. While many businesses may ask for a deposit, BBB suggests using the rule of thirds: one third deposit, one third when 50 percent complete, and one third at 100 percent completion. Be sure the contract specifies the schedule for releasing payments to the contractor.
Disaster victims should never feel forced to make a hasty decision or to choose an unknown business. Start with trust. For reliable information, lists of BBB Accredited Businesses by industry and BBB Business Reviews you can trust on local businesses, visit bbb.org.
To report fraud or unscrupulous business practices, call the BBB Hotline at 903-581-8373.