How to Hire Reputable Contractors After a Hurricane: A Guide for Coastal NC Residents

In the aftermath of a hurricane, the urgency to repair damaged property can be overwhelming. Unfortunately, this urgency often attracts unscrupulous individuals—commonly known as "fly-by-night" contractors—who exploit vulnerable homeowners. At Wells Insurance, we are committed to helping our clients navigate the recovery process safely and confidently. Here’s how you can protect yourself and ensure you hire trustworthy professionals for your post-storm repairs.

1. Verify Licensing and Insurance

Always confirm that a contractor holds a valid North Carolina general contractor license, especially for projects exceeding $40,000. You can verify licenses through the North Carolina Licensing Board for General Contractors. Additionally, request proof of liability insurance and workers' compensation coverage to protect yourself from potential liabilities.

2. Be Cautious of Door-to-Door Solicitations

After a storm, be wary of contractors who approach you unsolicited, especially those offering immediate services or demanding upfront payments. Legitimate contractors typically do not go door-to-door seeking business. If someone claims to be affiliated with FEMA or another government agency, ask for official identification and verify their credentials.

3. Obtain Multiple Written Estimates

Seek at least three written estimates from different contractors. Each estimate should detail the scope of work, materials to be used, labor costs, and a projected timeline. Comparing multiple bids helps you understand the market rate and identify any outliers that may indicate potential scams.

4. Check References and Reviews

Ask contractors for references from recent projects, preferably those similar in scope to your repairs. Contact these references to inquire about their experiences. Additionally, research online reviews and check for any complaints filed with the Better Business Bureau or the North Carolina Attorney General’s Office.

5. Insist on a Detailed Written Contract

Before any work begins, ensure you have a comprehensive written contract that outlines:

• The contractor’s license number and contact information

• Detailed description of the work to be performed

• Materials to be used

• Project start and completion dates

• Payment schedule

• Warranty information

Avoid signing contracts with blank spaces or vague terms. A clear contract protects both parties and sets expectations for the project's execution.

6. Avoid Large Upfront Payments

Be cautious of contractors who demand large upfront payments or insist on cash transactions. A reasonable down payment is typically around 10-15% of the total project cost. Make payments by check or credit card to maintain a record of transactions. Never pay the full amount before the work is completed to your satisfaction.

7. Consult Your Insurance Provider

Before commencing any repairs, contact your insurance agent to discuss your coverage and the claims process. At Wells Insurance, we can guide you through filing a claim and may provide recommendations for reputable contractors in our network. Engaging with your insurer ensures that repairs align with your policy terms and that you receive the benefits you're entitled to.

8. Report Suspicious Activity

If you encounter a contractor who seems suspicious or attempts to defraud you, report them to the North Carolina Attorney General’s Office at 1-877-5-NO-SCAM. Prompt reporting can prevent others from falling victim to scams and helps authorities take necessary action.

Wells Insurance: Your Trusted Partner in Recovery

Recovering from a hurricane is challenging, but you don't have to face it alone. Wells Insurance is here to support you every step of the way—from navigating insurance claims to connecting you with trusted professionals. Our commitment is to ensure your safety, security, and peace of mind during the rebuilding process.

For more resources and assistance, visit our Named Storm Disaster Resources Page.

Stay safe, and remember: Diligence today can prevent headaches tomorrow.