Finding a Trustworthy Contractor

Posted by Lori Gelvin Thursday, June 8, 2023 11:43:00 AM

After damaging weather, home repair contractors often go door-to-door to offer roofing, siding, and other repair services. While most contractors are reputable, there are some dishonest contractors who prey on consumers eager to quickly get their property and lives back in order.

The Ohio Department of Insurance has tips to help Ohioans protect themselves and their hard-earned money:

  • Contact your insurance company to file a claim before hiring a contractor. The company will verify the repairs that need to be made.  
  • Make sure the contractor you hire is legitimate. Search for the individual and/or company online and read reviews. Find out if there are complaints against the contractor with the Better Business Bureau and the Ohio Attorney General’s Office. Ask for references.  
  • Know the warning signs of a bad business. A reputable business will not pressure you to make a quick decision, and it won’t ask you to pay the entire amount upfront.  
  • Don’t pay in full upfront. Pay in installments with a check or credit card to leave a record of your payments. Get an invoice and a receipt.
  • Get an estimate from at least three different contractors. A lower estimate doesn't mean it's the best deal. Make sure the quotes include the same things, and check references.
  • Learn the difference between “licensed” and “registered.” A licensed contractor has passed exams and met other requirements to show that they are competent. A registered contractor has provided contact information to a government authority. Contact the Ohio Department of Commerce and Ohio Secretary of State’s Office for information.
  • Be cautious about signing an assignment of benefits. This is an agreement a policyholder signs that allows a third party, such as a contractor, to act on behalf of the policyholder. The agreement allows direct payment from the insurance company. 
  • Get a written contract. The contract should include every task and repair the contractor plans to make. It should also include start/finish dates and prices for repairs and materials. Don’t sign a blank contract.  
  • Obtain the contractor’s essential business information. Before making a hire, get:

    - The contractor’s identification with their name and business name.
    - A copy of the contractor’s business license. Make sure it’s not expired.  
    - A copy of the contractor’s proof of liability insurance. Make sure it shows the person or company’s name, phone number, and policy    number. Call the insurance company to verify the coverage.
    - A copy of the contractor’s proof of workers’ compensation insurance.  
  • Educate yourself about the property damage recovery process and insurance.

Wayne Insurance Group

For more than a century, the Wayne Insurance Group companies have delivered financial security and peace of mind for families, farms and businesses. As mutual insurance companies, we exist to serve the insurance needs of our policyholders. We have partnered with a network of independent agents to offer a full line of insurance programs backed by prompt, fair claims service and support.

Contact Us

Wayne Insurance Group
3873 Cleveland Road
Wooster, Ohio 44691

Tel: 330-345-8100 | Tol: 800-222-3873

Wayne Mutual Insurance Company

Founded in 1910, Wayne Mutual Insurance Company provides a wide range of property and casualty insurance programs for automobiles, homes, farms, investment properties, and businesses.

Washington Mutual Insurance Association

Since 1878, Washington Mutual Insurance Association has provided protection for homes, farms and personal property. Our products can be tailored to meet the specific needs of our policyholders.

Mid-State Farmers Mutual Insurance Company

Mid-State Farmers Mutual Insurance Company has been insuring homes and farms in Indiana since 1878, and remains committed to providing dependable protection, seeking creative solutions, and establishing synergetic relationships.