Storm Damage Repair

Think Before Acting

• The first rule is a simple one: If it sounds too good to be true, it probably is. While your first thought after suffering storm damage might be to get your property fixed as soon and as cheaply as possible, being careful about hiring someone to repair your home will save time and money in the long run. Talk to family, friends and people you trust about who they use for contracting services. Don't jump at the first offer of help that comes along. Often your homeowner's insurance company is the best place to start.

  After severe storms ripped through California in January 2008, the state's Contractor Licensing Board executive director offered sound advice: "Avoid the urge to rush into repairs with the first contractor you meet, especially if they show up uninvited at your front door," recommended Registrar Steve Sands. "Protect yourself against those individuals who have no conscience about taking advantage of your situation."

How to Spot a Con

• Rip-off artists operate in a consistent fashion. They usually travel door-to-door after damaging storms move through an area, they demand cash in advance for work "to be done later," and probably will not put anything in writing. Con artists cannot provide references and may be from out of town or even out of state. If the contractor does not have a local telephone number, don't give him your business. Con artists cannot show proof of insurance or any paperwork indicating they are licensed or approved by government authorities. Often con artists will "offer" discounts for helping them line up other customers. Legitimate contractors never ask the customer to get any necessary permits for repairs or construction.

Be Prepared

• The best way to protect yourself from being ripped off by con artists is to be prepared. Before your property is damaged, make sure you understand your property insurance policies and what is covered. Talk to neighbors and friends about contractors they have worked with. Know who to call after the damage is done.

Do Research

• If your property is damaged, talk to your insurance company. Frequently it will have a system in place to ensure repairs are done correctly. Most insurance companies have a list of local contractors with whom they do business. Local Better Business Bureaus or your state attorney general can often give you information regarding previous complaints about a contractor.

General Repair Tips

• Always get at least three bids for repairs. When repairs are necessary, get everything in writing. Only accept written estimates and contracts that spell out in detail what the costs and schedules will be. Read those contracts and estimates carefully to make sure you know what you are signing. Ask questions; reputable contractors have nothing to hide and won't mind showing you any necessary licenses and proof of insurance or bonds.
  Regarding payments, don't pay too much up front and never pay in cash.