Tips for homeowners from the National Insurance Crime Bureau before hiring a contractor:
- Contact their insurance provider first
- Get more than one estimate
- Get everything in writing. Cost, work to be done, time schedules, guarantees, payment schedules and other expectations should be detailed
- Demand references and check them out
- Ask to see the salesperson’s driver’s license and write down the license number and their vehicle’s license plate number
- Never sign a contract with blanks; unacceptable terms can be added later
- Never pay a contractor in full or sign a completion certificate until the work is finished and ensure reconstruction is up to current code
- Make sure they review and understand all documents sent to their insurance provider
- Never let a contractor pressure them into hiring them
- Never let a contractor interpret the insurance policy language
- Never let a contractor discourage them from contacting their insurance provider
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