Storm season in Florida can be unpredictable and stressful. When your home gets damaged, it’s natural to want quick repairs to get life back to normal. But in that rush, many homeowners fall prey to contractor scams, often losing thousands of dollars in the process.
After a storm, some contractors might show up at your door, promising to fix everything quickly. They hand you a contract that seems straightforward, but buried in the fine print could be clauses that leave you responsible for more than you bargained for. With storm damage already weighing on you, the last thing you need is to get caught in a financial nightmare.
One of the key risks Florida homeowners face is the use of something called an *Assignment of Benefits* (AOB). While this used to let contractors handle your insurance claims directly, it was banned in Florida in 2023 because too many people were being taken advantage of.
Now, some contractors have shifted to sneaky alternatives like *Direct Payment Authorization* in their contracts. At first glance, it may seem harmless, but signing these can lead to you being on the hook for repair costs far beyond what your insurance covers.
So how can you protect yourself and your home after a storm? Here’s what you need to know to avoid falling into these traps.
- Don’t Sign Anything Until You’re 100% Sure What It Means
Contracts can be tricky, and what seems straightforward could have hidden clauses that come back to haunt you. Always take the time to fully understand the terms of any agreement before you sign. If there’s anything you’re unsure about, don’t hesitate to ask for clarification or get a second opinion.
- Call Us or Your Insurance Company Before Agreeing to Any Repairs
Before you agree to let a contractor start any work, make sure to consult with your insurance company or reach out to us. We can help you navigate the situation and ensure you’re not making any decisions that could end up costing you more than necessary. Insurance companies often have preferred contractors they work with, which adds an extra layer of protection for you.
- Get Multiple Estimates
Don’t just go with the first contractor who knocks on your door. Take the time to get multiple estimates for the repairs. This will give you a better sense of what’s fair and help you avoid contractors who might be overcharging.
- Watch for High-Pressure Sales Tactics
If a contractor is pressuring you to sign a contract immediately or making you feel like you need to rush, that’s a major red flag. Reputable contractors won’t use high-pressure tactics. If someone is rushing you, take a step back and evaluate the situation carefully.
- Verify the Contractor’s License
It’s easy to overlook this step, but it’s one of the most important. Verify that the contractor you’re working with is licensed and insured. It only takes a few minutes, but it can save you from potential scams and subpar work. You can verify their license online or through your insurance company.
What to Do If You’ve Already Signed Something
If you’ve already signed a contract and aren’t sure what it means—don’t panic. You still have options. Reach out to a lawyer who specializes in these types of cases to help you sort it out. It may be possible to void or renegotiate the contract, but the sooner you act, the better.
We’ve Got Your Back
At Vermost Insurance Agency, we’re here to support you through the storm recovery process. Don’t let shady contracts add more stress to an already tough situation. If you have any questions about post-storm repairs, insurance claims, or contracts, give one of our Trusted Insurance Advisors a call at 727-748-2886. We’re here to help you protect your home, your finances, and your peace of mind.
Stay safe, and remember—you don’t have to navigate this alone.