Insurance Repairs Done the Right…and Honest…Way

We have all heard the stories of contractors who view insurance claims as opportunities to cheat the insurance companies or even the home owners. It happens all the time and has given the home improvement and remodeling business a bad image in the eyes of some people. But there are ways to make sure your contractor doing home improvement in Manassas Park, VA is honest and reliable.



When your house is damaged by weather, fire, burst pipes or any other reason, it’s a traumatic time. The trauma only deepens when you are faced with extensive insurance claims paperwork and the need to get 3 estimates for repairs. Many contractors don’t like doing estimates for insurance companies unless they are assured of getting the job. Disreputable contractors can apply a lot of pressure on homeowners during a time they are emotionally wrought.



No Pressure, Please!



When you choose a home improvement or roofing contractor in Manassas Park, VA it is important that you feel comfortable with the contractor and the business. But it’s up to you to choose the contractor and that means you need to do your homework. Look for the following qualities, do your research and don’t let anyone pressure you.



Contractor has all required state licenses and is bonded

Contractor is fully insured

Get more than 3 bids if the estimates are sizably different because it indicates differences in material quality is used

Always obtain a written detailed list of materials and work included in the estimate (a contractor who won’t provide this should not be hired)

Read all documents carefully before signing and don’t give away your right to protect yourself from fraud

Check references the contractor provides and call the Better Business Bureau and state licensing board to verify legitimacy

Never give a contractor money up front to "hold" your place in their work schedule or to pay for materials

Stay away from contractors who want to "work a deal" with you when that deal means cheating your insurance company by overstating the cost of the work

The contractor should be neat, polite, on time and professional (first impressions do count)

Contractor should be experienced in insurance work and understand the documentation requirements

Contractor has an established procedure for notifying you and the insurance company of unknown damage discovered after work has begun



You may be required to make a payment to the contractor but you should only do so after materials have been delivered to your home. The payment should never exceed the cost of the materials. Different insurance companies handle payments in various ways. Some will pay the homeowner directly who must then pay the contractor. Some insurance companies will pay the contractor doing home improvement in Manassas, VA directly if it is a very large project.



There are plenty of ways to protect yourself when you need insurance repair work done. It’s all in the advance planning. The key to getting the job done successfully and with as little distress as possible is by hiring a reputable contractor doing home improvement in Manassas Park, VA. And a reputation can be verified with a little research.



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