Homeowners in Northeast Ohio rarely think about their insurance policies until their basement floods, they experience a kitchen fire, or their roof suffers damage from a severe wind or hailstorm. It is then that they get reacquainted with their policy and reach out to an insurance claim contractor to make the necessary repairs.
And this happens more often than people think. According to research from SafeHome, one in four homeowners have filed claims on their homeowners’ insurance, and the average claim amount was $20,700.
Selecting the Right Insurance Claim Contractor
What do homeowners need to know about working with contractors on insurance repairs following a fire or water damage? Quite a bit, according to the legal experts at Manning & Clair. Unfortunately, an insurance claim contractor may not have your best interests in mind and may take advantage of homeowners during this stressful time when they must move out of their home or replace a lifetime of lost possessions.
That is why it is important to make a clear-headed decision about what insurance claim contractor you select to perform the work. When working with contractors on an insurance claim, there are several things that you should keep in mind to ensure that the process runs smoothly and that you receive the best possible service.
Choose a Reputable Insurance Claim Contractor
Do your research and choose a licensed, reputable, and insured insurance claim contractor. Look for reviews and testimonials from previous clients to get an idea of their quality of work and customer service.
Get Multiple Insurance Claim Contractor Estimates
Obtain multiple estimates from different contractors to ensure that you are getting a fair price for the work that needs to be done. This will also give you a better idea of what the average cost of the project should be.
Understand the Scope of Work & Contract
Make sure that you fully understand what work the insurance claim contractor will be doing and what is included in their estimate. Ask questions if you are unsure about any aspect of the project.
Contractor originated contracts are often restrictive and written to favor the contractor. Before signing any contract, review it carefully and make sure that you understand all the terms and conditions. Pay attention to details such as payment terms, warranties, and timelines.
Communicate Clearly & Document Everything
Keep the lines of communication open with the contractor throughout the project. Make sure that you are both on the same page regarding expectations, timelines, and any changes that may arise.
Keep detailed records of all communication, contracts, and receipts related to the project. This will help you in case there are any disputes or issues that arise. Keep your insurance company informed throughout the process and work closely with them to ensure that everything is being managed properly.
Have An Attorney Review the Contract
If at any time during the search or negotiations with the insurance claim contractor something does not feel or sound correct, consult an experienced attorney to review any contracts or agreements. It is less expensive and time-consuming, not to mention less frustrating, to clarify issues before signing a contract and find yourself fighting an uphill battle once the repair work is underway.
The Manning & Clair Difference
Manning & Clair Attorneys at Law Cleveland attorneys have experience dealing with contracts. Should you need assistance reviewing your options and making sure you are receiving the best outcome for any insurance claim repairs, put our experience to work for you.
Manning & Clair Note: The information shared here is intended for a general overview and discussion of the subject. It is not intended to be, and should not be used as, a substitute for taking legal advice in any specific situation. Please consult an attorney for advice about your individual situation.
