Following severe storms in Illinois, Attorney General Kwame Raoul is warning Illinoisans about scammers looking to exploit homeowners and businesses who may need repairs from storm-related damage.

Scammers, according to Raoul often move quickly into communities to take advantage of people with damage to their homes or businesses.  Scam artists will often try to pressure people into making quick and often expensive decisions about cleanup and construction work.  They may also operate as public adjusters who offer “free” inspections to submit a claim to property owner's insurance companies.  

Raoul says to be wary of contractors who go door to door to offer repair services or “free inspections. Ask for recommendations from people you know and trust.  Visit the Better Business Bureau website to see if a business is a member.  Shop around and get written estimates. Get all the terms of a contract in writing and obtain a copy.  Never make the full payment until all work has been completed to your satisfaction. Never pay in cash.  Be aware that you have the right to cancel a contract within three business days if you signed it based on the contractor’s visit to your home. If your insurance carrier denies coverage you have the right to cancel the contract within five days. Public adjusters do not work for your insurance company and may charge additional fees.  

If you submit a claim to your insurance company, your insurance company will most likely provide an adjuster to review your claim.  If you contract with a public adjuster pay particular attention to the amount of fees being charged and whether you are obligated to use a specific contractor for repair. Ask to see the required state and local permits and licenses.  Insurance adjusters and roofers must be licensed by state agencies.  

Attorney General Raoul reminded consumers that the Illinois Home Repair and Remodeling Act requires contractors to provide customers with written contracts for any repair or remodeling work costing more than $1000. Residents and business owners to call local law enforcement agencies and his office’s Consumer Fraud Hotline (1-800-243-0618 in Springfield, and 1-800-243-0607 in Carbondale) to report any suspicious activities.