If your home has storm damage or is in need of repair you may be tempted to hire an unlicensed contractor to take care of the repairs.
If the damage will be covered by your homeowner’s insurance your first step is to contact your insurance agent. They will verify the repairs are covered and may even provide contractors to perform the repairs. Whatever you do, do not sign a contract with anyone until you speak to your insurance agent.
When you are ready to hire a contractor make sure they are state-licensed. This will ensure your contractor has the proper education, experience, insurance and they are qualified to perform the work you need.
You can verify a contractor’s license by checking the “verify a license” link on myforidalicense.com
You may be tempted to hire an unlicensed person to do the work for you. Many people think they will save money doing so because an unlicensed person will often charge a much lower amount, but it can wind up costing you much more in the long run.
- If the work is substandard you will have to pay to have it re-done by a professional
- Your insurance may refuse to pay for the repairs
- Unlicensed individuals don’t have the proper insurance which puts you at a liability risk if they get injured
- What if they accidentally damage your neighbor’s property? Who is going to pay for that damage?
- A licensed professional will pull any permits needed and ensure the permits are closed when the repairs are complete
Here are some services that require a state license-
- Roof repair
- New or replacement roof
- Installing new windows
- Plumbing repairs
- Electrical repairs
Protect yourself and your home by hiring a state licensed contractor.
Kelly Harden, Realtor
Mihara & Associates, Inc.