Tips for Storm Damage Repair
Got Storm Damage?
[April 13, 2012 – Nashville, TN] BBB reminds those who experience storm and hail damage to take certain precautions when cleaning up and making repair decisions. Some of the most common "after-disaster" scams involve hail and wind damage done to roofs or vehicles.
Tips for Repair
BBB offers the following advice to those who suffer roof or vehicle damage in the wake of a natural disaster:
Clearly written proposals that are detailed and broken down into separate line items are a good sign that the contractor is being thorough and has prepared an accurate estimate. The following is a partial list of items your estimate or proposal should include:
- Check with your insurance company about policy coverage and specific filing requirements. Save all receipts if temporary repairs are necessary.
- Although you may be anxious to get things back to normal, avoid letting your emotions get the better of you. Don't be pressured into making an immediate decision with a long-term impact. Be pro-active in selecting a company and not re-active to sales solicitations. Check with BBB at www.Nashville.BBB.org to ensure the company has a positive customer history.
- For major repairs, take time to shop around and get 3-4 estimates based on the same specifications and materials. Check out references that are at least a year-old, verify that businesses are licensed/registered to do work in your area, and check with your local building inspector to see if a building permit is required.
- Be wary of door-to-door workers who claim to have leftover materials from a job “down the street” or who do not have a permanent place of business. If sales people go do-to-door, check to see if your community requires them to have solicitation permits.
- Be leery if a worker shows up on your doorstep to announce that your home is unsafe. If you are concerned about possible structural damage in your home, have an engineer, architect or building official inspect it. While most roofing contractors abide by the law, be careful allowing someone you do not know inspect your roof. An unethical contractor may actually create damage to get work.
- Require a written contract agreement with anyone you hire. Be sure their name, address, license number – if applicable and phone number is included in contract. Read and understand the contract in its entirety; don’t sign a blank contract! Request a copy of the signed contract to be given to you at time of signature.
- Be aware that a company who offers to pay your insurance deductible may recoup those costs by inflating their estimate to your insurance company, which leads to insurance fraud. Be sure to ask how they will cover the cost of your deductible before agreeing.
- Never pay in full for all repairs in advance, and do not pay cash! While many companies may ask for a deposit, BBB suggests that no more one-third of the job be paid upfront. Be sure the contract specifies the schedule for releasing payments to the contractor.
- Pay by credit card, if possible, you may have additional protection if there’s a problem.
To find trustworthy Roofing Contractors and Automobile Dent Repair companies, Start your search With Trust by visiting BBB’s Accredited Business Directory at www.Nashville.BBB.org
- The type of roof covering, manufacturer and color;
- Scope of work to be done, including material and labor costs;
- Who is responsible for repairing/replacing exterior landscape or interior finishes that are damaged during the course of the work? Make sure that your contract contains language addressing who is responsible for any damage that occurs as a result of the work.
- Approximate starting and completion dates;
- Payment procedures;
- Length of warranty and what is covered, e.g., workmanship, water leakage;
- Who will haul away the old roofing materials and/or project waste (e.g. extra materials, packaging, etc.)? Is there extra charge for this service?
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When in Doubt, remember to check with BBB for information on businesses you can TRUST by visiting
The BBB of Middle Tennessee, Inc. was founded in 1961 as a non-profit Tennessee organization serving 38 counties in Middle Tennessee and 7 counties in Southern Kentucky. The first BBB was founded in 1912. Today, BBBs serve communities across the U.S. and Canada.
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