Disaster strikes unexpectedly, leaving homeowners vulnerable and eager to restore their homes. Unfortunately, this urgency can also attract unscrupulous contractors looking to capitalize on the situation. The recent flooding in Sarasota and Manatee counties bring new attention to the need to protect yourself from these scams, it's crucial to be informed and vigilant.
Common Contractor Scams
Price Gouging: This involves charging exorbitant prices for repairs or services due to high demand. If it sounds high, it probably is. Never commit to a contractor with high pricing without performing your due diligence and speaking with other contractors to compare pricing.
Bait and Switch: Contractors may offer a low initial estimate but increase the price once they've started the job. It's important to get pricing in writing, the contract should also outline pricing for other issues discovered during reconstruction.
Fraudulent Permits: Some contractors may falsely claim to have permits or fail to obtain necessary permits for the work being done. In Sarasota County a welath of information regarding permits can be found at: https://www.scgov.net/government/planning-and-development-services/building
In Manatee county, permitting information can be found at: https://www.mymanatee.org/departments/building___development_services/building_permits
Advance Payment Scams: Be wary of contractors requesting full or substantial upfront payment before work begins.
Substandard Workmanship: Some contractors may cut corners and use inferior materials to maximize profits.
How to Protect Yourself
Research Contractors Thoroughly:
Verify the contractor's license with the Florida Department of Business and Professional Regulation (DBPR) at www.myfloridalicense.com.
Check online reviews and testimonials from previous customers.
Ask for proof of insurance, including general liability and workers' compensation. If a contractor resists providing proof of insurance, they most likely do not have it. Consider that if something happens to a worker on your property and the contractor is uninsured, the liability may lie with you.
Obtain multiple quotes from different contractors for comparison. Doing this accomplishes a few things. One, it gives you a good idea of the scope of work required to return your home to normal, two, it allows you to gauge how you feel about working with someone on an emotional project, three it allows you to see where pricing should be for the repairs needed.
Review Contracts Carefully:
Read the entire contract before signing.
Ensure the contract includes detailed descriptions of the work to be performed, payment terms, start and completion dates, and warranty information. Be wary of contractors who demand full payment up front. Most contractors are accustomed to breaking payments into segments relating to progress on a project.
Be cautious of contracts with vague or unclear language.
Beware of High-Pressure Tactics:
Legitimate contractors won't pressure you into signing a contract immediately.
Take your time to make informed decisions.
Don't Pay in Full Upfront:
Avoid paying the entire amount before work begins.
Consider progress payments as work is completed. Many contractors are familiar with working with homeowners under progressive payment schedules.
Document Everything:
Take photos and videos of the damage before and after repairs.
Keep copies of all contracts, estimates, receipts, and communication with the contractor.
Report Suspicious Activity:
If you suspect fraud, contact your local law enforcement agency and the Florida Attorney General's Office. The Florida Attorney General's hotline helps victims of any type of fraud or unfair trade practices get the assistance they need; toll-Free 1-866-966-7226.
Be Wary of Door-to-Door Solicitors: Legitimate contractors typically don't solicit business this way.
Trust Your Instincts: If something feels off, it probably is.
Consider Hiring a Public Adjuster: This professional can help navigate insurance claims and ensure you receive fair compensation.
By following these guidelines, you can significantly reduce your risk of falling victim to contractor scams and protect your investment in your home. Remember, taking the time to do your research and due diligence is essential for a successful and stress-free home repair process. Patriot Dumpster hopes that providing this information helps to protect you and helps you to make informed decisions dring the rebuild process. We also have a list of contractors with integrity that we regularly work with and can provide you with their information. Whether it is a roofing contractor, renovation, handyman, A/C repair, plumbers and electricians. Fell free to call us at 941-278-0246 and we will be glad to provide you with their information.
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