Choosing a Qualified Insurance Repair Contractor
As a homeowner, one of the toughest situations you could ever face is discovering that your home is damaged in some way, be it from a fire, a flood or a natural disaster. Finding your home in a state of disrepair and experiencing the loss of some of your personal belongings is very unnerving, to say the least.
The stress associated with having your home in need of quick repair is often compounded when it comes time to find a good insurance repair contractor to hire so that the work can be done. The key thing to remember when selecting a contractor is choice. It is you who is in control of either choosing your own contractor or utilizing one of your insurer’s suggestions.
If you decide to tackle the chore yourself, there are a few things to keep in mind. First, be sure that you ask for references from any contractor you contact. If you are given numbers to call, do not neglect to take the time to call those on the reference list. This will give you a very good indication as to the overall quality of work that the contractor will provide you. If possible and if time allows, see if you can visit an actual location of a place that displays the company’s repair work.
Secondly, be certain that the contractor you choose to go with is willing and able to arrive at your home within a few short hours of being called. A good contractor will arrive at your home quickly in order to do a thorough inspection of the damage. Ask the contractor to help you decide on the quality of materials needed and the labor required that fits your budget.
The contracting company you select should be licensed in the work that you have asked them to do. Legitimate contractors will not only be licensed to carry out their trade but they will be insured and bonded as well. It is always a good idea to go with a contractor that has been in business for a number of years because if the one you choose should go out of business once your work is done, your warranties and guarantees will be worthless.
Inquire as to how much insurance the contractor has. This is important because if the company makes a mistake or causes some damage, you want to be sure it is covered. It is not uncommon for the best contractors to be insured for at least $1 million in liability