Lawn & Garden

Your insurance will help you repair your home after a disaster, but there are potential problems lurking around and they are not easy to spot.

The Georgia Insurance Information Service and the Federal Trade Commission remind you to think about the following tips to help select a reputable contractor and points to be aware of regarding the shady ones. These tips include thing to do and bot to do and are helpful anytime you need a builder.

· Be wary of builders or contractors who go door-to-door selling their services, especially those who are not known in your community.

· Deal with only licensed and insured contractors. Investigate the track record of any roofer, builder or contractor you may hire. Get a list of recent satisfied customers from all prospective contractors.

· Ask friends, relatives, neighbors, co-workers, insurance agents or claims adjusters for recommendations. Also, check with your local Better Business Bureau to see if complaints have been lodged against any contractor you're considering.

· Don't let anyone rush you into signing a contract. Get written estimates from at least three firms. Ask contractors if there's any charge for an estimate before allowing them in your home. Ask for explanations of price variations.

· Beware of contractors who ask you to pay for the entire job up-front. Never give a deposit until you've researched the contractor you're considering. Don't pay in cash.

· Be skeptical of contractors you to spend a lot of money on temporary repairs.

· Be cautious about using your home as security for a home improvement loan.

If you are confused by a contract you are being asked to sign, have a knowledgeable friend, relative or your attorney review the contract before you sign.

If you suspect a repair rip-off, call the Governor's Office of Consumer Affairs at 404-656-3790.

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