10/08/2024
🌪️ **PSA for Homeowners re: Contractors Post-Storm** 🌪️
We understand that many of you are currently in preparation and anxiety mode. As a firm based in North Port, we are as well. However, after the storm, we may face internet outages. Therefore, it is important to highlight a concerning practice we've observed among contractors that has caused significant stress and financial burden for vulnerable hurricane victims immediately following storms.
🔍 **Beware of This Common Trap**: One of the most common issues we’ve seen after recent storms involves companies promising homeowners they will handle all the repairs now and bill the insurance later—you won’t have to worry about or pay for anything and we will just bill the insurance.
In a vulnerable and exhausted state, many homeowners sign these contracts, only to face a shocking reality months later: a bill for THOUSANDS of dollars. When they reach out to the contractor, they often hear the same discouraging news: "Read your contract; you’re liable for any amount not covered by insurance."
We’ve witnessed this scenario time and time again. The companies then pressure the homeowner to hire counsel to sue the insurance company or be left holding the bill.
💰 This situation also encourages contractors to overbill and inflate their invoices, often claiming there isn’t time to provide a reasonable estimate upfront, exploiting the urgency of the emergency.
📄 **Take the Time to Read**: Before you sign anything, take a moment to read the contract. Understand what you’re agreeing to. Salespeople may assure you that everything will be covered, but that’s not always the case. The words of a salesperson can differ significantly from what’s written in the agreement.
✨ **Protect Yourself**: By being informed and cautious, you can save yourself time, stress, and the attorney’s fees associated with a legal battle. Choose contractors who are transparent and honest with you from the start.
💼 Now, often times you do need to hire an attorney to get full value paid on your insurance claim, and that’s ok. However, you should have the choice to do that and control the claim, not be forced to do it to avoid being personally liable for a massive invoice.
While safety remains our top priority, being informed now will help you navigate hiring a contractor after the storm. While we know there ARE good contractors—both local and those who travel to assist when we need extra help—it’s crucial to be vigilant about potential scams.
Stay safe, and let’s look out for one another during this storm and after! 💪🏽💙