A homeowner may be asked by a contractor to sign an agreement whereby the homeowner assigns all rights and benefits under his insurance policy to the contractor. The homeowner usually does not even realize he has done this, or doesn’t understand the implications of it.
Why this is an issue is because assignments of benefits are NOT necessary.
Claims are already hard enough to go through and with these storms passing through the area, scammers are already targeting homeowners! If you have suspicions about a contractor that comes to your door, deny the service and find a trusted contractor. If you are unsure about who to trust, work closely with your insurance adjuster and agent. They work with claims frequently and will have trusted business relationships with genuine contractors. We are here to serve YOU first!  Insurance carriers require that an insured party insure at least 80% of the property's value in order to collect a partial loss in full.
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