Tennessee Department of Commerce and Insurance Shares Repair Tips

NASHVILLE, TN – As summer storms roll through the southeast, it is important for Tennesseans to make sure that a reputable, licensed contractor services any needed home repairs.

“We encourage individuals to vet contractors through verify.tn.gov or through the Board for Licensing Contractors before signing on the dotted line,” said the Regulatory Boards Assistant Commissioner Bill Giannini. “Never pay cash and always, ALWAYS, verify before you pay!”

The Department of Commerce and Insurance (TDCI) offers the following tips to homeowners for interacting with insurance companies and selecting contractors:

• As soon as possible after an event affects your home, assess damage. Locate a copy of your home insurance policy and read it. Weigh contacting your insurance carrier or your agent. (Note: Frequently filing claims could affect your coverage.)
• If you decide to contact your insurer, make a thorough inventory of all of the items missing from or damaged in your home for your adjuster.
• Take pictures, if possible, of all damage – inside and outside, from several angles – to get full documentation before any repairs are made.
• Secure and protect your property against further rain or other damage as much as possible without making permanent repairs, so that the adjuster can see and document the full extent of the damage,
• Keep receipts for expenses of protecting your property from further damage.
• Follow the claims-filing procedure set forth in your policy. If there is a dispute, follow the company’s dispute process.
• Many larger companies have quick-response teams that come into areas of heavy damage to process large numbers of claims as quickly as possible. Others will not send someone out unless you call them. Call your company to be sure.
• Call TDCI with insurance issues at 800-342-4029 or the department’s Consumer Affairs division hotline for non-insurance issues at 800-342-8385.
• Tennessee’s Board for Licensing Contractors has found that unscrupulous, unlicensed contractors like to take advantage of homeowners anxious to rebuild after disasters. Be sure to hire only licensed contractors and check them out with the Board. Consumers may verify a license status by calling 800-544-7693, or may check TDCI’s website for various trades at verify.tn.gov.

Contractor tips

Consumers can find great contractor related resources on the Board for Licensing Contractors consumer resources page at 1.usa.gov/mQF7s0. Again, the State encourages Tennesseans to regularly visit and utilize verify.tn.gov, which is the license database for dozens of professions (including home contractors). Consumers can and should check the license status of any contractor they consider hiring, not just ones from out of state. They also can find the Tennessee Department of Commerce and Insurance’s list of problem contractors at 1.usa.gov/p3ar2C and the monthly disciplinary actions report posted at 1.usa.gov/oaY9Yo.

To verify a license of file a complaint call the Contractors Board at 1-800-544-7693 or email Contractors.Home-Improvement@TN.Gov. 

Also be advised that the National Flood Insurance Plan is a federally administered program, operated by the Federal Emergency Management Agency. For further information, visit FEMA.

The Department of Commerce and Insurance works to protect consumers while ensuring fair competition for industries and professionals who do business in Tennessee. Follow us on Facebook, Twitter, and YouTube for daily TDCI tips!

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