Hiring A Contractor For Home Repairs: What You Need To Know
June 13, 2014
It finally happened. The wiring in half the house is shot, the roof saw its last season, or the windows are in dire need of replacement. Whether the damage was caused by a sudden storm or other force of nature (or act of man, such as a theft or a sleepy driver who forgets to open the garage door before throwing the car in reverse) or if it happened slowly over time, will determine if you can file a claim on your homeowners insurance policy to help you make repairs. In any case, you will have to find the right contractor to complete the work. But how do you know if the crew you’ve picked for the job is up for it?
It’s always a good idea to conduct a little research first. Ask any friends, neighbors or relatives if they have had home repairs recently and if they have a contractor they can recommend. Even if a particular repair crew comes highly recommended, you should still follow a few guidelines. Always ask to see the contractor’s state license and check out the number with your local authorities. They should be able to tell you whether the license is current and if the contractor has been in compliance with the laws regulating their industry.
Also, it is very important to ask to see the contractor’s certificate of insurance. If they plan on having sub-contractors complete a specific part of the job, you’ll need to ask about any additional insurance they carry for those purposes. As crews work to repair one aspect of you home, the last thing you want to deal with is the liability of an uninsured contractor whose carelessness or negligence damages another portion of the structure.
Be wary of contractors who refuse to show you these documents. Also avoid those who decline to provide you with a written agreement, which includes a warranty, for the work that needs to be completed. Any reputable contractor would be willing to detail their work in writing and guarantee the job to your satisfaction.
Whenever you conduct repairs or improvements to your home, it’s strongly suggested to review your homeowners insurance policy. We can help identify any gaps in your current coverage, find multiple quotes from a variety of companies and even help you file a claim. Contact us to help you find the best homeowners insurance coverage at the most affordable rates.