Key Things to Look for when Hiring a Home Remodeling Contractor to Handle your Insurance Claim:
1. Locality: Be leery of roofers with multiple locations in different states. Check business addresses as many operate out of makeshift offices in extended stays and temporary rental housing. These are tell-tale signs that these businesses are only here to earn a quick buck. Who will warranty your home when these contractors move back to their hometown?
2. Years in Business: Fact is 9 out of 10 businesses fail within its first 2 years. Another 80% of the surviving businesses will fail to meet their 6th fiscal year. But this will not stop these companies from simply operating under a new name. Seek established experience you can trust.
3. Free Offers: Beware of offers that sound too good to be true. “Free windows when you get your siding and roofing approved,” does this sound familiar? More often than not, you get what you pay for. Though you may not pay upfront on price, it can cost you later on quality, service and warranty.
4. Credentials: Screen and verify home improvement contractors. Check legitimate websites, such as the Better Business Bureau (BBB) and Angie’s List. Speak with references. Also, identify professional accreditations for expertise (i.e. – Haag Engineering, EPA, Master Elite and VSI Certifications).
5. Workmanship: A warranty is only as good as the company. Most manufacturers offer a lifetime warranty. However, an incorrect installation will automatically void a manufacturer’s warranty.
6. Subcontractors: 70% of home remodeling contractors do not have on-site project managers who oversee jobs. Instead, many hire subcontractors and compromise quality assurance. Lack of operational controls not only impact safety, project timelines and workmanship; it can ultimately jeopardize your manufacturer’s warranty down the line.
7. Permits: When contractors ask homeowners to obtain a building permit, it is a red flag that they are most likely uninsured or underinsured. For a contractor to obtain a permit, the village will mandate proof of current and adequate bonding and insurance. Request a Certificate of Insurance directly from the contractor’s insurance agent for evidence of relevant coverages.
Cornerstone Exteriors knows insurance is becoming increasingly complex and more difficult to understand every day. From start to finish, our dedicated storm damage specialists will work closely with your insurance company to maximize your reimbursement and get you on your way to a beautifully, restored home.