Enduring a hailstorm is challenging enough, but property owners must also understand that in the wake of a severe storm, they may be visited by unethical contractors posing as sincere repairmen. Often, these characters will descend on disaster areas and go door to door offering their repair services. Although most are honest, some are not. If the dishonest ones get your money in advance of performing any work, you’ll never see them or your money again.
NICB urges storm victims to work with their insurance company and to be careful in selecting a contractor to do repairs. Do not allow someone to force you into signing a contract or paying up front for work or supplies.
More consumer protection information is available here.
A storm rolled into Northern Texas Monday night and produced a destructive hail storm. The most significant damage occurred in Wylie, Texas near Dallas. As you can see below many homes, as well as vehicles, were damaged in this incident.
Becoming a victim of a hail storm may be impossible to avoid. But you can avoid being victimized by dishonest contractors who often go door to door in damaged neighborhoods offering repair services. While many contractors are honest and reputable, others are not. Educate yourself against unscrupulous vendors. When contractors offer you their services, consult this checklist before becoming a customer.
Work with only licensed and insured contractors.
Get more than one estimate. Don’t be pushed into signing a contract right away.
Get everything in writing. Cost, work to be completed, time schedule, guarantees, payment schedule and other expectations should be detailed.
Require references, and check them out.
Ask to see the person’s driver’s license, and write it down. Also, get the vehicle’s license plate number.
Never sign a contract with blanks. Fraudulent contractors may enter unacceptable terms later.
Never pay a contractor in full or sign a completion certificate until the work is completed.
Make sure you review and understand all documents sent to your insurance carrier