(WAND) — Scammers are looking to exploit damage caused by recent severe weather, according to Illinois Attorney General Kwame Raoul.
Scammers often work quickly to take advantage of communities ravaged by storm damage. Raoul noted these “storm chasers” use the opportunity to pressure people into making quick and often expensive decisions about cleanup and construction work.
“Just as severe weather during Illinois spring months is inevitable, so too are the scammers attempting to take advantage of the devastation left in the storms’ wake,” Raoul said. “I encourage people to use the free resources provided by my office, the Illinois Department of Financial and Professional Regulation, and other reputable resources to ensure they choose a trustworthy contractor when assessing any damage and making repair plans. People should be wary of any individual who solicits home repair or insurance adjusting services door to door.”
Scam artists may be operating as public adjusters who offer so-called “free” inspections to help property owners submit claims to their insurance companies.
General contractors are not required by state law to be licensed, but municipalities may require permits or have other local requirements. Home and business owners should check with their local governments for more information about permits or other local requirements before hiring anyone.
Public adjusters must be licensed by the Illinois Department of Insurance, roofers must be licensed by the Illinois Department of Financial and Professional Regulation, and plumbers must be licensed by the Illinois Department of Public Health.
These tips can help families avoid dishonest contractors:
Be wary of contractors who go door to door to offer repair services or “free” inspections. Ask for recommendations from people you know and trust and, whenever possible, use established local contractors.
Contact Attorney General Raoul’s Consumer Fraud Bureau to ask whether consumers have filed complaints against the contractor.
Even if there is a need to act quickly, shop around. Get written estimates from multiple contractors, and don’t be rushed into a deal.
Get all terms of a contract in writing, and obtain a copy of the signed contract.
Never make the full payment until all work has been completed to your satisfaction.
Never pay in cash.
Be aware that you have the right to cancel a contract within three business days if you signed it based on the contractor’s visit to your home.
In the case of disaster repair, if your insurance carrier denies coverage, you have the right to cancel the contract within five days of your insurance carrier’s denial and within 30 days of receiving the proof of loss from your insurance carrier.
Be aware that public adjusters do not work for your insurance company and may charge additional fees.
If you submit a claim to your insurance company, your insurance company will likely provide an adjuster to review your claim at no additional cost to you.
If you contract with a public adjuster, pay particular attention to the amount of fees being charged and whether you are obligated to use a specific contractor for repairs.
Ask to see the required state and local permits and licenses. Insurance adjusters and roofers must be licensed by state agencies. It should raise a red flag if the roofer or adjuster does not have a required license, or if the name on the license doesn’t match the name on the business card or truck. Please visit the IDFPR’s website, to search for roofing licenses. Visit the DOI’s website or call (866) 445-5364 to verify that a public adjuster is licensed and in good standing.
The Illinois Home Repair and Remodeling Act requires contractors to provide customers with written contracts for any repair or remodeling work costing more than $1,000. A contract must be signed by both the customer and the contractor. The law also requires contractors to carry at least the minimum amounts of insurance for property damage, bodily injury and improper home repair.
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