06/17/2026
🌩️ Storm Damage? Read Before Hiring Help 🌩️
After severe weather, it's common to see contractors, tree removal companies, and public adjusters knocking on doors offering assistance. While many are reputable, storms can also attract individuals who use high-pressure sales tactics when homeowners are stressed and looking for help.
Before signing anything, here are a few things I recommend:
✅ Be cautious of anyone going door-to-door immediately after a storm, especially if they claim to work with or represent your insurance company.
✅ Get everything in writing. Contracts should clearly outline the work being performed, costs, materials, timelines, and any warranties.
✅ When possible, get multiple estimates. Tree removal costs can vary significantly after a storm due to increased demand.
✅ Read contracts carefully and never sign something you don't fully understand.
✅ Know your cancellation rights before agreeing to any work.
✅ Never pay upfront for work that has not been completed.
✅ Be mindful of excessive charges. Insurance policies generally pay for reasonable and customary costs, not inflated pricing.
For tree claims specifically, many people don't realize that insurance covers the reasonable cost to remove the portion of a tree that damages a covered structure. However, if you agree to charges that exceed industry standards, you could be responsible for the difference.
The same applies to public adjusters. While they may be helpful in certain situations, it's important to understand that:
• Their fees are often deducted from your claim settlement.
• Adding additional parties to the claim process can sometimes increase the time it takes to resolve a claim.
• You should verify their licensing and carefully review any agreements before signing.
Most importantly, remember that YOU choose the contractor, tree service company, or public adjuster. Take your time, ask questions, and don't feel pressured into making a quick decision.
If you're one of my clients and you've experienced storm damage, please call our office first. We're happy to walk through the claims process with you, discuss your options, and help you make informed decisions before signing any contracts.
The more you understand your coverage and your options, the better protected you'll be when the unexpected happens.💚
