Home: Property Damage

If your property is damaged, your claims specialist will examine your property, write an estimate and promptly issue payment so you can quickly start the repair process. Here are some guidelines to help you hire the right contractor to make the repairs. 

Finding Qualified, Trustworthy Contractors

Your claims specialist or agent might have a list of businesses serving your local community. Also talk with friends and co-workers for referrals. Local building or material supply companies can also be a good source of ideas. 

In talking with potential contractors, ask them about: 

  • Experience - Ideally, the contractor should have at least five years of experience. Ask about projects they’ve done that are similar to yours. 
  • Insurance - Make sure the contractor has liability insurance and workers’ compensation coverage. 
  • Resources - Does the contractor have the staff and tools to complete the job in a timely fashion? 
  • References - Ask for names and contact information of previous customers who would be willing to talk with you about their experience with the contractor. 
  • Communication - Make sure the contractor maintains an open line of communication with you. The company should provide you with updates and frequent progress reports on the work being completed. 
  • Physical location of their business - Avoid businesses that have only a P.O. Box. 
  • Contract - Let them know you’ll require a signed contract that outlines all conditions of work, including time and payment schedules, work to be completed, materials to be provided and other items important to the project.

Before making a decision, check with the Better Business Bureau or other consumer organizations to find out if the contractor has a record of complaints about workmanship, cost over-runs or other issues.