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Angie's Answers


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 Shell

Todd's Home Services

San Antonio, TX

Consider going to library an reading Consumer Reports rating on home insurance companies in your area.  For affordabilty elect the highest deductable you can stomach.  This will lower your premioum, I went thru Costco, they and Sam's Club can be a valuable resource for home and car insurance. Shop on line with your needs to save money.  Unless you have major assets forget large policy. For your gutter and roofing needs see my blog.
Jim Casper 

Insurance Companies in Saint Johnsville, NY

Companies below are listed in alphabetical order. To view top rated service providers along with reviews and ratings, Join Angie's List Now!

Centennial Brokerage Corp

312 Wall St.

Cerow Agency Inc

221 John St

Choice Home Warranty

1090 King Georges Post Rd

Dave Palma - State Farm

176 Main St

DN Insurance Agency, LLC

PO Box 4473
Saratoga Springs

Dominion Risk Management

880 S Lake Blvd

E Z Budget Insurance

1000 College Ave

Founders Insurance Group

1300 Winsted Road



IMS Group/Insurance Management Services

4927 West Genesee Street

Insuractive, Inc.

8420 W. Dodge Rd.


Saint Johnsville

Mike Stasko State Farm Insurance

26 W Main Street

MReed Financial

2807 Vista Mariana

NBC, Inc.

470 Forest Ave


200 Ridge Road

Patel & Associates LLC.

2530 Berryessa Rd

Petruzzi Insurance Agency

825 E State St

Rhoe B. Henderson Insurance Agency

552 West 3rd Street

Rugloski and Associates

537 E. Gail Lane

Senior Health Direct

719 E. Grand River Ave.

Syracuse Insurance Agency Inc.

40 Public Square, Suite # 1

The Habib Agency

225 Main Street

The Ryan Agency

57 Broadway Mall

United Health Care

PO Box 30555


Saint Johnsville


94 Poultney St

Watertown Insurance Agency

40 Public Square

WealthCFO Payroll & HR Services

1400 Sweet Home Road

Wm. E. Morrell, Inc.

128 Court St
White Plains

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