Know your contractor. A frequent problem after a disaster is a “fly-by-night” contractor who takes deposits before starting work or final payments before finishing. Ask for a list of recent customers and call them for references.
Get at least three estimates. Be certain the estimates are itemized and are for the same work. Variations in the proposals should be noted.
Beware of repair businesses or individuals that solicit door-to-door, arrive in unmarked vehicles, have a post office box or temporary address, claim they are from another county or state and are in the area solely to help disaster victims, or offer to work for you only if you secure the necessary permits.
Have a written contract for your repairs and understand it before you sign. A contract should include, at a minimum, the following:
It should be specific about the work to be done and the exact type of materials to be used.
The contract should show a beginning date and final completion date. If a penalty assessment is stated for failing to meet the completion date, the amount of the penalty should be stated and how it is to be assessed.
The contract should specify the terms of payment.
Any warranties or guarantees of workmanship and materials should be explicitly stated in the contract. Be sure of the duration and what is covered.
If the contract is on a “cost plus” or hourly basis, get a written estimate and, if possible, a “ceiling” (maximum amount to be paid).
The contract should specify that the contractor is to obtain all permits or variances, carries full insurance on all employees and “subcontractors,” releases you from all liens, and provides for a proper clean up.