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.

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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.