LOUISVILLE, KY (WAVE)- There's a lot to be done in terms of cleanup and repair following last week's tornadoes. But if you've never been through this before you may not know what's a reasonable, fair price for the services.
Kevin Wharton at Paul Davis Restoration, says a reputable contractor will not hike prices during times of extreme community loss. He shared these guidelines with WAVE 3.
For tree removal:
small job- $800-$900
large job- $4,000-$5,000 (and get a 2nd estimate)
For debris removal:
(with an insured company)
$28 per hour, per employee for labor
To tarp a home:
But before you pay any of this, find out what your insurance covers. Mark Collier says depending on the policy, insurance can even cover debris removal.
"It's not something I would recommend, pay for something up front without your insurance company kind of guiding and helping along the way. Need to see the damage before it gets removed" Collier said.
And in extreme damage, insurance adjusters will want to see that damage in person to make the estimate.
That estimate is what contractors will accept for payment.
Allstate Insurance has a huge mobile unit set up at the Family Dollar in Henryville. Homeowners can make claims there and get checks to go ahead and pay for services needed.
Again, what's covered depends on a particular policy.
Allstate provided us with these additional tips for avoiding scams and overprices services:
· Be wary of contractors who solicit door-to-door. Work only with established contractors and those who have a solid reputation.
· Work only with licensed, bonded and insured contractors and have them provide you with documentation.
· Require references and check them out.
· Check with your local Better Business Bureau to see if any complaints have been filed against contractors you are considering.
· Don't feel pressured into signing a contract, and never sign a contract with blanks. A contract should include the contractor's name, business name, phone number and address.
· Avoid payment-in-full up front. Some contractors may require a partial up front payment, but the amount should not exceed approximately 20 percent of the total estimate amount.
· Never let work begin on your home or business until the contract is finalized.
· Don't pay a contractor in full or sign a completion certificate until the job is completed and you are satisfied with the work - avoid making cash payments.
· If anyone performs unauthorized work on your property and demands payment, consider contacting authorities.
· Never let anyone persuade you to seek reimbursement for nonexistent or exaggerated losses or damages. This is insurance fraud, which is a felony.
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