It starts with a random knock at the door.
The person appears to be a contractor who might say they just repaired a home down the street.
They say they have extra material on their trucks, they offer you a great price.
But, you have to do it now and they only take cash through a payment app.
The pressure is on. What would you do?
They’re called “chasers” and seek out homes damaged by storms or fire.
So far, this has been a bad year for both.
Cal Fire reports as of September, nearly 1 million acres have burned this year across the state.
That’s three times the acres burned in 2023 and already ahead of the five year average.
While California requires licenses for people doing contracting work worth more than $500, it’s usually unlicensed people appearing at doors after fires or storms.
They can end up causing more damage or just take your money and do nothing.
Last year, the Contractor State License Board (CSLB) warned hiring someone without a license could “make these vulnerable home and business owners a victim a second time.”
https:/cslb.ca.gov/Media_Room/Disaster_Help_Center/October_17.aspx
Beware of tempting repair deals
While the repair deal is tempting, beware.
Unlicensed people may not have the bonds, insurance or skills required for those who are licensed.
So you could be responsible for any injury on the job as well as shelling out more money to repair their bad work.
If your home suffered fire or storm damage, first check with your insurer.
Homeowner insurance policies cover wind, fire and other damage.
But water damage is usually only covered if the water comes from above, like rain causing roof damage.
You would need a flood policy if the water damage comes from below like from flooding or sewage backups.
Protect yourself when choosing a contractor:
-Check the CSLB website for licensing and complaints.
-Check contractor reviews, complaints and for Accredited Businesses with the Better Business Bureau. https:/bbb.org/
-Get three estimates
-Pay with a credit card so you can dispute the charge later.
-In California contractors cannot demand upfront money of more than $1000 or 10% of the total cost, whichever is less.
-and demand a signed contract with payment on progress and final payment when completed
Not all door knocks are scams.
But instead of hiring on the spot, take the information, check them out and only then, make your decision.
Report unlicensed contractors to the CSLB
See all the ways to protect yourself against scams and bad business practices at joeknowsbetter.com
Report and check the latest scams through BBB Scam Tracker
https:/bbb.org/scamtracker/lookupscam.
Crédito de la foto: Pixabay.com
