When your home suffers damage, it can be devastating. So when it comes time for repairs, there are a few steps to follow that can keep hassles to a minimum. You'll most likely hire a contractor for repairs, and it is essential to ask your contractor lots of questions. Be sure to get details on who is responsible for various aspects of the job. You might need a building permit. Will the contractor secure this or should you get it ? Who should hire any subcontractors such as plumbers or electricians ? Getting answers to these questions up-front can save you many headaches. FROM AN INSURANCE STANDPOINT: Always get a certificate of insurance from your contractor for liability insurance, including completed operations coverage and workers compensation. If they don't supply a certificate, don't let them work! Finally, remember that your home insurance policy may need to be increased if you increase the value of your home. Call us to review your coverage and properly insure your upgrades.        back   Home | Who We Are | Policies Offered | Companies Represented Privacy Statement | Save Money | Community Service | Contact Us