How contractors can protect themselves with better contracts

Working as a contractor in the construction industry can mean that you do a lot of work for homeowners and property managers. From repairing damages that result from storms to helping people remodel and update properties, your job helps people maintain or increase their property value. There's nothing quite as satisfying as a job well done when you have helped a homeowner fix or change part of their house.

Insurance companies refuse payouts after hailstorms

Colorado homeowners are facing serious damages as a result of hailstorms throughout the state. However, when they file a claim with their homeowners' insurance policies for the storm damage, they are facing delays, denials and lowered estimates that could hinder their opportunity to recover from the damage caused by the hail. In the past decade, homeowners and businesspeople in the state have sustained over $3 billion in insured damages due to hail alone.

Ice Dams and HOAs

With the record setting snow fall of the last few months in Minnesota, many homeowner associations are starting to see ice dams. An ice dam is a chunk of ice on the edge of your roof line and is usually caused by inadequate insulation or ventilation which allows escaping heat to melt snow on the roof. When the melted snow reaches the cooler roof line, the water refreezes creating a dam of ice.

What to know about storm damage claims

When a storm hits in Colorado or other states, it is possible that it could cause damage to a person's home. However, there is no guarantee that an insurance policy will cover the cost of repairing that damage. In some cases, an insurance policy will damage caps or other limits that may leave a homeowner paying for some repairs out of his or her own pocket. For instance, if a tree falls in a yard, the homeowner is generally responsible for having it removed.

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