How to Choose a Storm Damage Contractor (and Spot Red Flags)
Published
A practical checklist for vetting roofers and restoration companies after a storm.
What should I check before hiring a storm contractor?
Short answer: Verify licensing where your state or city requires it, ask for certificates of general liability and workers' compensation insurance, confirm a local address, get a written estimate and contract, and avoid paying large sums upfront.
Verify, then trust
Licensing rules vary by state and city. Look the company up with your state licensing agency or local building department, and ask for insurance certificates.
Read the contract
Make sure scope, materials, price, timeline and warranty are in writing. Several states give homeowners a short window to cancel certain storm-repair contracts.
Red flags
High-pressure door-to-door sales, demands for full payment upfront, offers to waive or 'eat' your deductible (illegal in many states), or a contractor who wants to negotiate your claim for you without the proper license.
General information only, not legal or insurance advice. Coverage depends on your policy.