After filing a home insurance claim, property owners will need to find a contractor to handle repairs. Following a fire or storm, the damage might be extensive. It can be hard to know where to start to get the right contractor. Your first phone call should always be to your home insurance agent. He or she will provide you with advice and guidance throughout the process.
Who Should You Use?
Your home insurance agent may make recommendations for a contractor. In some states, the insurer cannot require you to use just one provider. They may recommend a certain company or professional. However, you should still have the ability to choose a provider that fits your needs. There are several things to look for here.
- The individual must have a license to operate in your state. This will be a key component of the process of working with this individual. Your insurer may require it.
- The individual will need to get the necessary permits to operate in your community. Your city will determine this need.
- The contractor will need to follow local building codes. Most often, the local building department will come to your home to verify this.
It is best to choose a professional with a strong background in the specific area of concern you have. Your home insurance company will likely not pay for modifications later if the contractor does a poor job. It is worth spending some time vetting your options.
Getting the Insurer on Board
Many home insurance agents are flexible in who you hire for the work. However, they may place some restrictions on some providers. Unlicensed individuals might not have coverage. The agent may recognize some contractors are trustworthy. They may request that you choose from a specific list.
When it comes to doing your own repairs, there are limits here. Most often, you will need to be a licensed contractor to perform the work. This helps the insurer know that you will complete the work to maintain the integrity of the home.
When a claim occurs, work with your home insurance agent. He or she will guide you through finding a repair contractor. They will help you ensure the company has the right licenses and insurance. This provides the insurer with confidence in the work. You will appreciate knowing the contractor did the work properly.
Need home insurance? Call The Beckman Company at Muskogee - 800.259.4677 or OKC - 800.699.5905 right now! We can help you get a fast, free policy quote.
Home Tips Before Leaving on a Winter Trip