Hurricane effected areas Beware of the Scams~OPI

James A. Copenhaver
The Orlando Private Investigator
Sunday, August 28, 2011 at 11:01am

“Fraud watch"

Tips for those rebuilding or renovating:

� Remember when talking to a contractor always request identification, address, multiple phone numbers and other ways to contact them. Also note description of the person and their vehicle, including the tag number.

� Always require multiple references and go look at their other work.

� Ask to see the contractor’s licenses.

� Make sure the contractor obtains all permits before the work begins. Deal only with the licensed and insured contractors.

� Always get detailed written estimates from the contractor to avoid surprises.

� Always get guarantees in writing.
Buyer beware if

� The contractor tells you they only accept cash.

� The contractor asks that you pay for all the work up front or asks you for the money to go buy the building supplies.

� The contractor says that they have building materials left over from another job, so your cost will be less.

� The contractor talks fast to confuse you.

� The contractor tries to scare you with a sense of urgency about the work needed.

� The contractor pressures you for an immediate decision.

� The contractor claims to be doing work in the area but does not provide names of references or addresses.

� You can’t find a listing in any phone book for the contractor.

� The contractor asks you to get the required building permits.

� The contractor offers you a discount if you find other customers for them to pursue.

� The contractor offers an unreasonably long guarantee.

� The contractor says that your job will be a demonstration.

� The contractor requires a lien on your property.”

If the storm damages your property, contact your insurance company. Some insurance companiesrequire an adjuster’s approval before work can be done. Take pictures and videos of the damage, if possible. Cover holes in your roof or walls with a tarp to prevent additional damage if you can do so safely.

Don’t pay for work up front. Inspect the work and make sure you’re satisfied before you pay. A reasonable down payment may be required for some projects, but don’t pay anything without getting a written contract.

Avoid paying with cash; use a check or a credit card instead.

Beware of any contractor who tries to rush you or who comes to your home to solicit work. If an offer is only good now or never, find someone else to perform the work. Seek recommendations from friends, neighbors, co-workers and others who have had work performed on their homes.

Get three written estimates, if possible, and compare bids. Check credentials and contact the Attorney General’s Office and the Better Business Bureau to learn about any complaints against the contractor. Before work beings, get a written contract detailing all work to be performed, its costs and a projected completion date.

For car repairs, shop around and compare written estimates. On major jobs, get a second opinion. Ifthe mechanic recommends replacing parts, ask for the old parts.

You may receive credit on some parts if the mechanic wants to keep them.