OWNERS BEWARE
Protect Yourself
What to Know Before Hiring a Contractor
Hiring a contractor to repair or restore your property especially after a storm or disaster—is a major decision. Unfortunately, it’s also a time when many homeowners are most vulnerable. The urgency to get things fixed quickly often leads to rushed decisions, and that’s exactly when unlicensed, uninsured, or dishonest contractors tend to appear.
After every major storm, it’s common for out of-town contractors sometimes referred to as “storm chasers”—to flood affected areas, going door-to-door offering quick solutions. While some may be legitimate, many are not. These individuals may lack proper licensing, carry no insurance, perform substandard work, or disappear altogether once payment is received. The result? You’re left with more damage, more stress, and fewer options for legal or financial recourse.
This section is designed to help you protect yourself before you sign any contracts or let anyone begin work on your home. The best defense is education.
We’ll walk you through:
- How to properly vet a contractor before allowing them on your property
- Which government websites to use to verify active licenses and business registrations
- How to confirm general liability insurance and workers’ compensation coverage
- Warning signs and red flags to look out for when speaking with salespeople or door-todoor reps
- Questions to ask that can help reveal whether someone is trustworthy and legitimate
Taking these extra steps upfront may feel time-consuming, but it could save you from costly mistakes and long-term damage.
Remember: A professional, reputable contractor will never pressure you into a quick decision. They will welcome your questions, provide documentation when asked, and understand the importance of transparency because they know you’re protecting your home and your family.
Before you hire, verify.
We’ve also included helpful links and a video walkthrough that shows you exactly how to navigate state websites, check license numbers, and confirm insurance coverage. Don’t leave your home in the hands of just anyon —empower yourself with knowledge and make informed decisions that keep you protected.
License Search – https://www.myfloridalicense.com/wl11.asp?mode=0&SID=
Workers Comp Search – https://www.myfloridacfo.com/division/wc
Good Standing – https://search.sunbiz.org/Inquiry/CorporationSearch/ByName
