If you hire a contractor or builder to make temporary and/or permanent repairs to your home or property following an accident, storm, flood, fire or other damage, follow these tips:
Beware of door-to-door contractors who are looking to take advantage of homeowners after mass disasters. The need for their work is high and the homeowners often desperate for immediate repairs, so the situation often attracts contractors who are unqualified and make costly mistakes.
Seek referrals and check credentials to make sure that the contractor is licensed with the state, operates a reputable business, and has valid insurance which will not expire before your job's completion. You can verify licensing with the Florida Department of Business and Professional Regulation here.
Contractors often hire subcontractors to perform some repairs. Make sure that your contractor specifies in the work contract who they will hire so you can check the credentials of these subcontractors as well.
Get estimates in writing and obtain bids from at least three reputable contractors.
Read and understand the work contract and make sure the: 1) start and completion dates; 2) the scope of the repairs; 3) all materials; 4) costs; and 5) the payment schedule are all included in the contract and are in writing.
Do not pay more than twenty to thirty percent up-front and never pay in cash. Keep all credit card and check receipts along the way as proof of payment.
Understand the Florida construction lien law and how they can impact your property rights if your contractor or subcontractors are not paid pursuant to their contracts. You can learn more about Florida's construction law and liens here.
Damage to your property can occur from forces of nature like hurricanes, tornadoes, floods and fire, as well as the negligence of others like careless drivers or faulty workmen. Often you will need to make temporary repairs to prevent further damage, however your insurance may not cover permanent repairs. To ensure you make the best decision about repairs to your property after an accident or storm, either discuss the planned repairs with your insurance company first or contact an insurance law attorney to discuss your damages and your anticipated repairs.