In light of the tornadoes that caused damage to parts of Tennessee last week, the Department of Commerce and Insurance (TDCI) is reminding homeowners to verify the licensure of purported home contractors by using its license database at verify.tn.gov.
“Unscrupulous, unlicensed contractors often prey on victims of natural disasters,” said TDCI Commissioner Julie Mix McPeak.
When selecting a contractor, it is also important to:
* Remember that legitimate contractors will not appear at your home, claiming to have noticed damage to your roof or property. A “contractor” showing this behavior should raise a red flag.
* Get several bids. It's best to get at least three bids and check references.
* Get a written contract that includes the company's name, address and telephone number. The contract should also include an anticipated start and completion date.
* Take your time - never get rushed into signing a contract.
* Never pay more than one-third down, and do not let payments get ahead of the work.
* Ask for proof of general liability insurance.
* Make sure the contractor obtains the local permits for inspections.
Tennesseans can also check the department's monthly disciplinary reports to see if contractors have done unlicensed activity or have had administrative action taken against them. Find these at http://1.usa.gov/zofWtO.
The DCI works to protect consumers while ensuring fair competition for industries and professionals who do business in Tennessee.