Storm Damage Repair Scams:
What Homeowners Should Watch For
When severe weather hits, homeowners and business owners are often left dealing with damage, stress, and urgent repair decisions. Unfortunately, storm events can also attract dishonest contractors who go door to door looking for quick business.
Some traveling contractors are legitimate, but others may be unlicensed, uninsured, or operating fraudulently. Before agreeing to any repairs, take time to protect yourself.
Before Hiring a Contractor
Be wary of anyone coming door to door offering free inspections. Ask for recommendations from people you know and use established local contractors if possible.
Visit the Better Business Bureau’s website to see if a business has any complaints.
Contact the Illinois Attorney General’s Consumer Fraud Bureau to see any filed complaints against a contractor.
Never rush into a deal.
Ask to see required state and local permits and licenses. If an adjuster doesn’t have a required license or if the name on the license doesn’t match the name on their business card or truck, don’t trust them. Visit the DOI’s website to verify that a public adjuster is licensed.
Contracts and Agreements
We recommend not signing anything, but if you do sign a contract, make sure all terms are in writing and keep a copy of the signed agreement.
You have the right to cancel a contract within three business days after the contract has been sent to your insurance company.
Payment Warnings
Never make full payment until all work has been completed to your satisfaction.
Never pay in cash.
Do not trust a contractor who asks for a check payable to a third party.
Do not trust a contractor who offers to drive the homeowner to his/her bank to withdraw funds to pay for their work
Warning Signs to Watch For
Do not trust a company which lists only a telephone or post-office box number and solicits you for repair work.
Do not trust a contractor who refuses to provide proof of insurance and references when requested.
Do not trust someone who offers to inspect your home for free without authentic identification establishing their business status.
Public Adjuster Reminder
Be aware that public adjusters don’t work for insurance companies and may charge additional fees. If you submit a claim to your insurance company, they will likely provide an adjuster at no additional cost.