It’s inevitable: a day or two after a windstorm blows through town, you get a knock on the door and there stands a contractor offering to replace your roof. Follow this advice before you sign over that insurance check.
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Local Articles in 18428
The aerial vehicles make checking hard-to-reach places, such as steep roofs, much easier by documenting with photo or video images.
On this episode of Chat with the Experts, Claudia McClain of McClain Insurance Services talks about how to understand your home and auto insurance policies.
Are you taking advantage of the discounts your insurance provider offers? Here's how to go about making sure you're getting the savings you deserve.
First, call your insurance company and tell them you do not want any proceeds paid to the contractor under your policy as you are not going with them. This way they can not collect money on your behalf. Insurance will typically have you sign a form for release of funds anyway but this is a good extra step to make sure your signature isn't forged. Second, call the contractor and tell them you will not be needing their services afterall. Did your husband pay a deposit? If so it may be non-refundable. Then follow up with a certified letter.
An email as well doesn't hurt but some states don't yet recognize email as a form of communication for legally binding documentation. This may have changed and I'm sure more states do recognize them as I haven't followed that topic elsewhere as much as I used to. The contractor's office should be local. A sure fire way to ensure they got the message is to deliver the letter to the office of the contractor and have someone at the office sign a duplicate stating it has been recieved and read. There's no arguing whether they received it or not by doing that.
Hopefully you've learned your lesson about high pressure sales techniques and storm chasers looking for a quick buck. Some people find out a much harder way. While these guys may be legitimate you should always do your homework on a contractor before signing the contract. Unless you have water running out of the house and the work has to be done on the spot it's not so much of an emergency that it can't wait until the next day.
Todd's Home Services
San Antonio, TX
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