The average homeowner isn’t likely to know the actual cost of any materials or labor that goes into home repairs. As a result, it’s important to stay informed when dealing with contractors to reduce the risk of contractor fraud. Otherwise, you may end up paying for repairs you don’t need or getting overcharged for the services you requested. Use these tips to avoid contractor fraud concerns.

Common Fraud Characteristics

It’s often said that if something seems too good to be true, then it probably is. This advice is invaluable when it comes to dealing with contractor fraud. To avoid fraud, look out for the following suspicious characteristics:

  • Contractors that contact you looking for work
  • Unsolicited, free home inspections that turn up problems you were previously unaware of, or discounted rates that are only offered that day
  • Pushiness on behalf of the contractor that requires you to commit to repairs immediately
  • Contractors that request money in advance

Do Your Research

Remember, if you didn’t contact the contractor, you probably don’t need them. Be wary of any contractor that shows up at your door out of the blue and claims that your home is damaged. To ensure that the problem they discovered is a legitimate concern, always get multiple opinions before committing to any services. In addition, make sure you do your research before selecting a contractor—ask your neighbors for contractor recommendations and look at online reviews.

Be Wary of Insurance Fraud

Another dangerous type of fraud involves using a homeowners insurance to pay for unnecessary repairs. If a contractor causes intentional damage to an area of your home and convinces you that it is an acceptable use of your insurance policy, you may be held liable for insurance fraud.

That’s why it’s important to always contact your insurance agent before making a claim with the insurance company. Your agent will ensure that you are using your homeowners policy correctly and make you aware of potential fraud risks. For more personal risk management guidance and homeowners insurance solutions, contact us today.

Read Other Blog Posts

Life Insurance in Groton, MA Protecting What Matters with Murphy Insurance

Life Insurance in Groton, MA: Protecting What Matters with Murphy Insurance

For families and individuals in Groton and surrounding communities, life insurance from Murphy Insurance offers more than peace of mind—it provides a solid foundation for long-term financial security. Whether you’re safeguarding loved ones, covering debts, or planning for the future, our personalized life insurance solutions are designed to fit your goals and budget. From affordable term life to permanent protection and full-service planning, our Groton-based team is here to help you protect what matters most with trusted guidance, top-rated options, and local expertise.
Flood Insurance May Be Critical to Safeguard Your MetroWest, Massachusetts Home

Flood Insurance May Be Critical to Safeguard Your MetroWest, Massachusetts Home

Flooding isn’t just a coastal problem—it’s a growing concern across MetroWest, Massachusetts. Whether you live in Framingham, Hudson, or Hopkinton, you may be surprised to learn your home is at risk. Learn how flood insurance can help protect your property from the damage that standard homeowners’ policies don’t cover.
Roundabout

Safe Driving Saves Money

For better or worse, your automobile insurance premium is a direct result of your driving record. While you can’t always prevent every accident or control what happens on the road, safe driving is one of the most powerful tools you have to protect both yourself and your finances. Keep reading to learn how maintain a safe driving record can lower your premium, and—as a result—protect your wallet.
Car driving

Buying a Car? Don’t Forget the Insurance Quote First!

Shopping for a new car can be exciting, but it’s crucial to check in with your agent before finalizing your purchase. Not all vehicles are created equal when it comes to insurance costs. Two cars might look similar on the outside, but one could cost you hundreds more per year to insure.
Shovel

Digging on Your Property? Here’s Why “Dig Safe” Should Be Your First Step

Under federal and state law, all homeowners and contractors are required to notify the appropriate utility companies before doing any excavation work. Keep reading to learn more about the standards for digging on your property.
What You Need to Know About Condominium Insurance in Groton MA

What You Need to Know About Condominium Insurance in Acton, MA

If you own a condo in Acton, MA, don’t assume the condo association’s master policy fully protects you. That policy typically covers the building’s exterior and shared spaces, but not the inside of your unit. Without your own Condominium Insurance, you could be on the hook for costly repairs to your walls, floors, or fixtures and replace personal belongings damaged by fire, water, or theft. It’s essential protection that helps ensure you’re not left paying out of pocket when the unexpected happens.
Sparkler 1200

Summer Fun and 4th of July Safety: Celebrating Smart

Summer is a time for BBQs, fireworks, family gatherings, and making the most of long days. Whether you’re heading to the beach, firing up the grill, or watching fireworks with the kids, safety should always be part of your celebration plans. After all, the best memories are the ones made without unexpected trips to the ER. Here’s a quick guide to help you enjoy your Independence Day and summer activities — while keeping everyone safe and sound.
Lightning

Lightning Storm Safety

Lightning storms light up the sky in dramatic fashion, but they’re also dangerous. A lightning strike can cause major injuries like burns, heart issues, or even brain damage. That’s why it’s important to know how to stay safe when one rolls into your area. Follow these helpful tips to help you stay safe.
Car in traffic

Risks of Lowering Auto Coverage

Many drivers look to reduce their auto insurance premiums by lowering coverage or dropping parts of their policy altogether. While it’s true that cutting back can save a few dollars in the short term, the long-term consequences of being underinsured can be financially devastating—especially in the aftermath of a serious accident. Learn about ways you can save without exposing yourself to major financial risk.

Visit Our Homeowners Insurance Page

Homeowners Insurance

At Murphy Insurance, we take great care in assessing your options for homeowners insurance to ensure that you receive the most favorable value. Our dedication to serving you entails collaborating with highly-rated insurance providers and conducting comprehensive assessments of available choices. Our goal is to achieve the ideal equilibrium between affordability and coverage that suits your unique needs. Please let us provide you with a customized homeowners insurance quote.