Advice on insurance and contractor claims after the storm.

November 13, 2020

Residents who have suffered property damage from Tropical Storm Eta should take special care to document insurance damage and only use qualified and licensed contractors for repairs.

• Document everything and take an inventory of the damaged goods. Take photos and videos (save them to the cloud if you can).
• Submit a flood insurance claim as soon as possible; Keep track of all of your conversations. Work closely with your expert. Find out more here .
• Do not sign a performance contract as a condition of repairing your home. Florida Property Insurance Fraud, Don't Sign Your Rights .

Hire a contractor

• Beware of "makeshift" contractors who make deposits and do no work. Never contact a contractor for work to be done.
• Only deal with licensed and insured contract partners. Make sure the license is current and active by calling the Pinellas County Building Licensing Board at (727) 582-3100.
• Request and review references from previous clients.
• Get at least three estimates. Make sure the estimates are detailed and for the same job.
• Avoid a contractor who requires full prepayment. Pay at the end or during the work. Always avoid paying in cash.
• Avoid contractors asking you as the owner for a building permit.
• Be wary of contractors telling you that major or structural repairs do not require a permit.
• Take the time when you sign a contract and ask a knowledgeable friend, family member, or lawyer to review it before signing it. Make sure the warranty information is included in the contract.
• Ask the contractor to provide a final affidavit stating that all subcontractors and suppliers used in the work are fully paid. Make sure the construction department verifies the work before final payment.

Document the damage to the county

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