Attorney General Of The United States Marshall, Alabama Department of Insurance and Alabama House Builders Licensure Board Warn of Unlicensed/Unscrupulous Specialists in Wake of Cyclone Sally – Gulf Coast News Today

17September 2020

(MONTGOMERY)– As homeowners begin to clean up from the damage left by Hurricane Sally in

Baldwin and Mobile counties and throughout south Alabama, Attorney General Steve Marshall,

Insurance Coverage Commissioner Jim Ridling and the Alabama Home Builders Licensure Board caution

everybody to be wary of unlicensed and/or unscrupulous specialists who will try to take

benefit of homeowners.


“The damage left in the wake of Typhoon Sally is extensive and disastrous,”said Attorney General Marshall.”Over the weeks and months ahead, numerous thousands of Alabamians will be in urgent requirement of home repairs. Regrettably, unscrupulous operators often look for to take advantage of catastrophe victims, targeting those struggling to recover. The Home Builders Licensure

Board, the Department of Insurance Coverage and the Chief law officer’s Workplace want customers to understand the

steps to discovering reliable and responsible employees, and to recognize the indications of fraudulent contractors.” “It is so essential for Alabama consumers to protect themselves from those who would take


benefit of them, specifically after a significant weather event like Cyclone Sally, “said Alabama Insurance Commissioner Jim Ridling.”Customers must check a specialist’s license and talk to their insurance company prior to selecting.” Alabama House Builders Licensure Board Executive Director, J.R.”Chip”Carden, cautions house owners who experience damage as a result of Typhoon Sally, and emphasizes the significance of the customer knowing about the

possible issues of contracting for homebuilding and redesigning with unlicensed contractors. “Do your homework,” Carden

recommends. “Call any referrals the home builder gives you and check with the Board to verify if a


contractor is licensed and in good standing. Don’t be in a rush. A bad choice now can make a tight spot even worse.”A couple of pointers to remember about Alabama Customer Defense laws: Under Alabama law

, a professional who performs domestic roofing work directly for a house owner and the expense is over $ 2,500 MUST be certified by the Alabama Home Builders Licensure Board,

consisting of being appropriately bonded. If the repair work to a house require work beyond simply putting on a new roofing or anything structural, the professional is required to have an unrestricted license provided by the Alabama House Builders

Licensure Board. A specialist who offers emergency services such as tarping your home can not then utilize

those services to bind a homeowner into a contract. Professionals are entitled to affordable

settlement for these emergency type services, but they can not use this to bind a homeowner

to an agreement for additional repair work and/or cost gouging.

Specialists MUST offer homeowners a “NOTIFICATION OF CANCELLATION” disclaimer in a

contract for roof repair work. This is to secure house owners from being on the hook for an agreement

that is more than the claim payment from the insurance company. Property owners have five days to offer

notice to cancel the agreement.

Alabama law just recently passed by the Legislature allows a property owner to cancel a roofing

contract within 5 business days after the property owner gets written notification from the

insurer that all or any part of the claim is not a covered loss under the policy or that

the covered claim will not suffice to cover the amount of the contract.

Under Alabama law, a residential roofer shall not represent or use to negotiate on

the house owner’s behalf with the insurance company.

The Attorney General Of The United States, Department of Insurance Coverage and House Builders Licensure Board likewise

summary steps consumers must take when dealing with a professional builder on storm damage

repairs:

– Ask if they are licensed. Ask to see the card! The HBLB license is a credit card-sized license– a

sample is noted on HBLB’s website. You may check on a builder’s license status by calling 1-

800-304-0853, or by going to www.hblb.alabama.gov.

– Request and examine recommendations, especially if the builder makes unsolicited contact with you or is

from out-of-town.

– Ensure quotes and contracts are in writing. Under state law, accredited homebuilders must

utilize a composed agreement. Make sure it includes the professional’s full name, address, telephone

number, a description of the work to be carried out, beginning and approximated conclusion dates,

and the total cost of the job.

– NEVER make a complete payment or substantial down payment in advance. Do not make a final

payment until you are satisfied, and all subcontractors have been paid. If they tell you that more

money is needed beforehand, beware.

– Ask for proof of insurance, consisting of employees payment and basic liability.

For more details, contact the House Builders Licensure Board, 445 Herron Street,

Montgomery, Alabama 36104, (334) 242-2230 or 1-800-304-0853 or www.hblb.alabama.gov.

Source: gulfcoastnewstoday.com

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