Storm chasers, the contractors who show up after the storm

After a hurricane, a hailstorm or a tornado, repair offers come to the door. Be skeptical of anyone who promises immediate cleanup or repairs, and walk away from anyone who wants cash up front.

The signs

• A contractor says the work doesn't need a license.
• A discount is offered only if you sign right away.
• You're asked to sign over your insurance check.
• The whole price is asked for up front.
• Payment has to be by wire transfer, gift card, payment app, cryptocurrency or cash.
• Someone offers to help you qualify for FEMA aid, for a fee.

The insurance check

Don't rely on a contractor to tell you what your policy covers. Ask your insurer. Never sign your insurance check over to a contractor.

FEMA

FEMA doesn't charge application fees. Anyone who asks for money to help you get FEMA aid is a scammer.

Checking the contractor

Confirm the license with your state or county, and ask for proof of insurance. Read online reviews, and search the contractor's name with words like "scam" or "complaint". Get estimates from more than one contractor, and don't take the lowest one automatically. Get a written contract and read it before you sign. It should include a payment schedule and no blank spaces that someone could fill in later. Contractor scams that target homeowners covers the same signs outside storm season.

Paying for the repair

Pay by credit card or check, never by wire transfer, gift card, payment app, cryptocurrency or cash. Make the final payment only when the work is done and you're satisfied, and keep every invoice and receipt. Documenting damage for an insurance claim covers the photos to take first.

An annotated example

What to do next

Before anyone starts a storm repair, confirm the contractor's license with your state or county and ask for proof of insurance. Get more than one written estimate, and keep every invoice and receipt.