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All residents in Georgia could be susceptible to storm damage from time to time. Check with your local agent to make sure your insurance coverage covers all of the things that are important to you and your family should disaster strike. Along with checking your coverage be weary of those that like to capitalize on others’ misfortunes. Unfortunately, there are some contactors out there that prey on those that sustain damage during storms and may not be entirely trustworthy. Here are ten tips to look out for:  

1. We will not ask you to sign anything prior to us inspecting your loss. 

    

2. We will not ask you for any personal information at first contact and/or over the phone. 

    

3. No Cash – Never pay in cash. Pay only with check or credit card so that there is a paper trail of your payment. 

    

4. Do not pay a contractor in full before the work begins or before it is finished. 

    

5. We will not be asking for you to pay us your deductible. The deductible is taken off of your estimate at the time of claims payment and you will ultimately owe the contractor that you select to do the work the deductible amount. 

    

6. We would recommend that you not turn over your claims check to anyone until the damages are repaired to your satisfaction. Or, you may deposit the funds and issue draws, holding the final draw until completion. 

    

7. The person handling your claim will identify themselves as an agent of or acting in accordance with Georgia Farm Bureau. They should know your claim number, address, name and of course the name of their insurance company. 

    

8. Always insist on a written contract for work to be performed, with all guarantees, warranties and promises in writing. 

    

9. You should ensure that the contractor of choice is licensed, bonded and reputable. Ask for references if you have any doubts about their workmanship. 

    

10. Be wary of anyone knocking on your door offering unsolicited repairs to your home.