If your home is damaged during a storm, you might be faced with another potential disaster: contractors who promise quick repairs for cash upfront. More often than not, these contractors appear after a major storm and pocket the money, perform shoddy, little or no work and disappear.
Angie Hicks says, "After a storm, the first thing you want to do is be sure your family is safe. Next, take pictures. I know this may not seem like the obvious thing to do, but the more you can document the damage, the better. Then, get in touch with your insurance company."
It's not going to be unusual to find contractors that are coming in from out of state to help, and many of them are well-intended, but you want to make sure they are following all the rules – getting registered with the state and city and following proper instructions from them because you want to be able to tell the good guys from the bad. The advantage of working with a local company who has been in the community and is going to be in the community afterwards comes down to them standing behind their work. For example, if you've had your roof worked on and a couple of years down the road you end up having a leak, you can call that same company back who has experience with your home.
Homeowner Kelly Worner's Oklahoma home suffered damage from a tornado back in May and it's not the first time she has seen damage like this. Back in 1999, her home had major damage from a tornado.
When it came time to address the repairs, Worner says she didn't make the wisest decisions when hiring contractors 14 years ago.
Kelly tells us, "My contractor forged his credentials. Forged his recommendations. I would not make that mistake again. I would definitely go to Angie's List and read recommendations and not panic to get it done tomorrow. I would be patient. You know if you have temporary living, it'll happen, just don't rush things."
"After a storm goes through an area it's not unusual for us unfortunately to hear stories of consumers being taken advantage of – companies coming door to door asking for money up front, promising to do jobs that they don't do. We want to remind consumers to be the best consumer they can even in scenarios like this," Angie cautions.
Angie continues, "Make sure you are working with good local companies. Make sure they are licensed, insured, bonded, if necessary so that you can be sure that you are getting the best company that's going to stand behind the work because a lot of times we're talking roofers, major home improvement projects and you want a company that's going to be around for their warranty."
Contractor David Fonzi says, "The people who have damage to their house, windows, roof holes, things like that, should get with a reputable contractor to get it covered, to minimize your damage that you have already, to cover up holes in your roof, board up windows to keep people from getting in there, to head off other damages."
David adds, "I had a client who had a window blown out, but everything else was ok. But when I got up there he had a basketball sized hole in his roof in one area and two softball sized holes in another area so I advise that everybody get with your contractor, have them come do a walk through. Not just the exterior, but get up in the attic and check all your joists in your roof, all of your framing up in there to make sure its ok because you don't want the damage to come back later."
Angie's List tips to avoid shady contractors:
- Just say no: If a stranger comes to your storm-ravaged yard offering to fix your roof, remove trees or do other major repair work for cash up front, just say no. Chances are, he or she will take your money and disappear, leaving you with little or no recourse.
- Do your research: Check Angie's List to see what local customer's experiences have been with the company. You can also find the status of the contractor's bonding and liability insurance coverage. While you might get lucky working with an independent provider who lists his truck as a permanent address, remember that you have few options if the job goes awry or the provider disappears.
- Quality is worth the wait: When massive storms hit, tree service professionals, plumbers, roofers and hauling companies are in high demand, and the best performers are generally the busiest. Beware the company with time on its hands when every other company can't even answer the phone.
- Get estimates: Though your situation might seem to be one of desperation, avoid settling on the first contractor who comes along and offers to do the job. Take enough time to get at least three written estimates on the job.
- Document important information: Get all estimates in writing, including the price, materials to be used and the timeline for completing the job. This is often the best ammunition you have if things go wrong. Never sign a blank contract.
- Understand your insurance: Learn what your insurance policy covers before a storm hits.
- Never sign over your homeowner's insurance settlement upfront and avoid a company that offers to pay or help with your deductible. In some states, deductible help is considered insurance fraud.
Angie's List also advises homeowners to learn what your insurance policy covers before a storm hits. Never sign over your homeowner's insurance settlement upfront and avoid a company that offers to pay or help with your deductible. In some states, deductible help is considered insurance fraud.