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Hail Season Can Bring Disreputable Contractors

maxresdefaultHail can cause damage to roofs. Homeowners should be on the watch for disreputable contracts.

Communities can see an increase of out-of-state repair companies after a hail storm.

Elaine Love from Farmers Insurance talked to KSTP’s Brandi Powell about ways to ensure a professional, reputable contractor conducts needed repairs:

  • Ask for a recommendation and do your research. Find out how long a contractor has been in business. Is the contractor established in your area, is the contractor an established business, and can the contractor provide references? Ask questions, investigate, and always do as much research as you think is helpful. And, be sure to check a contractor’s license, bonding, and insurance.
  • Watch out for door-to-door solicitors. Always verify the licensure of the contractor and company, especially if he or she approaches you and you did not initiate the contact.
  • Understand what you’re signing. Do not sign any documents that are not completely filled out and avoid unauthorized additions to documentation at a later date. If something sounds too good to be true, it probably is. Considering seeking professional review, checking with several businesses before deciding on a contractor, and requesting referrals.
  • Obtain multiple estimates. If a bidding contractor asks what your insurance company is paying, you may want to avoid discussing the amount or sharing financial information.
  • Be mindful of upfront payment. Avoid paying large percentages for a job up front or paying up front payments altogether. An advance payment should never cover more than the cost of materials but always be cautious of up front requests. Don’t pay in cash. Choosing another method of payment may provide options for recourse if a contractor fails to complete the job or start the job altogether.  Always investigate and research a contractor, review documentation carefully, and check referrals before making any type of payment.

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Street view of the Norm Foster Insurance Agency in Lakeville, MN - Auto, Home, Life, Renters, Umbrella Insurance


Norm Foster Insurance
Norm Foster, LUTCF • Agent
16372 Kenrick Ave, Suite 130
Lakeville, MN 55044
Phone: (952) 929-8922
Fax: (952) 223-2233