BBB: Storm Damage Tips

Better Business Bureau of Minnesota and North Dakota


Severe weather season is here once again, with strong winds and hail already impacting parts of the region. Whenever bad weather moves through, homeowners should carefully assess damage to their property. Dealing with storm damage can be very stressful, and making decisions in haste can sometimes exacerbate a bad situation. It’s important to choose a contractor you can rely on. Better Business Bureau of Minnesota and North Dakota (BBB) offers guidance to those who may find themselves dealing with damage now or during the warm summer months ahead.

“We all know that feeling of wanting things to get back to normal as soon as possible,” said Susan Adams Loyd, president and CEO of BBB of Minnesota and North Dakota. “But that instinct sometimes leads to further uncertainty. Though it’s hard in these circumstances, due diligence must always be exercised.” 

Consumers need to be aware that anything they sign can be construed as an enforceable contract. Always read all paperwork carefully and avoid signing an “estimate” or “authorization” form before making a hiring decision. Pay special attention to any details in bold, that are underlined or that you need to initial.

To help consumers navigate the recovery and restoration process and assist property owners in finding reputable contractors, BBB offers the following tips: 

• Contact your insurance company immediately to inquire about policy coverage and specific filing requirements. Document the damage to your property (including your vehicles); take pictures or video if possible.

• Don’t make any permanent repairs until you get approval from your insurance company. Your insurer might not fully reimburse you for permanent repairs made without their authorization. However, you should make minor repairs that might be necessary to limit any further damage. Save all your receipts.

• Shop around and get multiple estimates. Watch out for high pressure sales tactics. Ask for references from friends and relatives and contact BBB to obtain free Business Profiles on any company you are considering hiring. Always visit or, in Minnesota and North Dakota, call 800-646-6222. 

• Some restoration companies list bids on their own contract to do service work on your home/property and some do not (basing their pricing on “insurance allowance”). Both methods are acceptable.

• Ask all companies for proof of liability and workers compensation insurance as well as a license to do work in Minnesota or North Dakota. A contractor should be responsible for obtaining all necessary permits, not you — though homeowners bear the cost of these permits.

• Demand a written contract from anyone you hire. It should specify the scope of the work to be done, the materials to be used, and the price breakdown for both labor and materials. Any verbal promises should be written into the contract, including warranties on materials or labor. Be sure the name, address, license number and phone number of the contractor appear on all invoices and contracts.

• Never pay in full for all repairs in advance, and do not pay cash. 

• Review all documentation before signing on the dotted line and before making any payment. Be sure it specifies the schedule for releasing payments to the contractor, as well as start and completion dates. 

• Refrain from filing an insurance claim on something that you do not intend to fix. There could be repercussions from your insurance company when you don’t make repairs you’re being compensated for. If you hold a mortgage on your home, your mortgage company may have a vested interest in seeing your property restored, and most will mandate you to make the repairs.  Insurance checks often come to the consumer with both the consumer’s and the mortgage company’s names. Both need to sign off on the check.

• Be clear on warranties; who guarantees what. The manufacturer warranties their products and contractors have warranties on service. Request full details on — and copies of — all warranty information.


— The mission of Better Business Bureau is to be the leader in building marketplace trust by promoting, through self-regulation, the highest standards of business ethics and conduct, and to instill confidence in responsible businesses through programs of education and action that inform, assist and protect the general public. We are open 8 a.m. to 5 p.m. Monday through Friday. Contact BBB at or 651-699-1111, toll-free at 1-800-646-6222.

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