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How To Avoid Contractor Insurance Scams

Contractor insurance

As a homeowner, you carry homeowner's insurance to protect yourself in case of damage to your home. A devastating storm can leave flooding waters, property damage, and personal injuries in its wake. Perhaps one of the least expected dangers that follow a storm is fraudulent contractors. Most contractors are honest and work hard, but some will follow disasters and try to take advantage of you.

After recent storms and major disasters, a few unscrupulous contractors use a trick to defraud homeowners every year - convincing them to sign away their rights through an Assignment of Benefits (AOB) form.

A contractor or repair company representative will often tell you that an Assignment of Benefits or "AOB" form is necessary for them to do work on your home. They may promise it will make the process easier for you as it will allow them to "handle everything." They might even offer to lower or eliminate your deductible if you sign the form immediately.

Don't allow contractors to start work before the damage is assessed by your insurer. Most importantly, don't sign an AOB form. We are here for you and can help you navigate the claims process and avoid contractor abuse and fraud.

  • Use well know contractors
  • Ask for a written contract
  • Ask to see proof of insurance and licensing from the contractor
  • Make sure your agent and insurance company is involved. 
  • Have your claims adjuster inspect all damage?

Our goal is to educate and service the San Diego, California community and throughout the state of California.  If you're moving to the Pacific Northwest don't forget we also have helpful staff in Seattle. Through our independence, we strive to educate the community on the best options for their insurance needs. We can provide an assessment of your insurance needs with a choice of which package fits you best.

We are dedicated to providing our customers in California with the best coverage at competitive rates. Just make one call to our agency, and we can shop your coverage through many top rated companies. With our professional staff, we can be your liaison with the insurance carrier in the event of a claim. We work for you, not the insurance company.

We want you to have a positive overall experience with Belltown Insurance Agency Inc.. Our one on one service approach is our #1 goal for all our insurance clients. Give us a call at 888-443-7744 or contact us through one of our quote forms, and we'll be happy to answer any of your insurance questions.

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