In the aftermath of the recent torrential rainstorm that caused significant damage, it is crucial to take preventive measures to avoid fraud and scams, including those perpetrated over the phone or through emails by fake insurance companies.As professionals in damage insurance,we want to offer practical advice to help you navigate this difficult time with knowledge and caution.
1. Stay Vigilant Against Fraud
After extreme weather events, it is common for unscrupulous individuals to take advantage of the vulnerabilities of victims. Be particularly cautious if you are approached by people offering quick repairs at prices that seem too good to be true, or if you receive phone calls or emails from individuals claiming to be insurers or official representatives without proper credentials. Always ask for references and verify the identity of your contacts before making any commitments or disclosing personal information.
2. Choose Qualified and Insured Contractors
It is essential to choose professional contractors who have adequate liability insurance. This insurance is crucial as it protects both the worker and the homeowner in case of damage or accidents during repairs. Before signing any contract, check the contractor's qualifications and insurance coverage.
3. Beware of Large Deposit Requests
Some fraudsters may demand substantial deposits before starting the work, only to disappear with your money. It is advised to never pay the full amount before the work is completed and inspected. A common practice is to make a deposit at the start of the job, and then pay the balance of the invoice at the end; once you have determined that you are satisfied with the outcome and all verifications have been made.
4. Documenting the Damage and Repairs
For any insurance claim, it is important to meticulously document the damage. Take photos or videos before and after repairs. These documents can be very useful in supporting your claim with your insurer and ensuring that you receive the compensation you are entitled to.
We understand that this period can be stressful and complicated. Our firm remains at your service to help you manage the post-storm procedures and ensure that you and your property are protected. Do not hesitate to contact us concerning any questions or additional needs regarding insurance. Together, we can overcome the challenges posed by these exceptional circumstances.
For any questions, do not hesitate to contact our brokers : 1 866 961-3553
