After a major storm, homeowners are often eager to repair their property quickly. Unfortunately, this urgency creates an opening for unlicensed or fraudulent contractors who promise fast fixes but end up causing bigger problems. Beyond poor workmanship, hiring an unlicensed contractor can put your insurance claim and legal rights at risk.

Why Unlicensed Contractors Are a Serious Risk

  • No accountability: Unlicensed contractors don’t have to follow state standards or regulations.
  • No insurance coverage: If they damage your property or injure themselves on the job, you could be liable.
  • Insurance denial: Many homeowners’ policies include clauses that exclude coverage if unlicensed contractors perform the work.

Red Flags to Watch For

  • Asking for full payment upfront.
  • Refusing to provide proof of insurance or license.
  • Showing up unsolicited after storms (“storm chasers”).
  • Pressuring you to sign an Assignment of Benefits (AOB) without explanation.

How This Impacts Your Insurance Claim

If unlicensed work leads to further damage, or if your insurer discovers unauthorized repairs, it can give the insurance company a reason to deny or underpay your claim. That means you’re left footing the bill for both the bad work and the original storm damage.

Steps to Protect Yourself

  1. Verify licenses: Check the Florida Department of Business & Professional Regulation (DBPR) website.
  2. Request documentation: Ask for proof of insurance and licenses before signing any contract.
  3. Avoid high-pressure tactics: Take your time before signing paperwork, especially for AOB agreements.
  4. Consult an attorney: If you’re unsure about a contract or insurance coverage, legal guidance can prevent costly mistakes.

How Boggs Law Group Can Help

At Boggs Law Group, we’ve seen the long-term damage caused by unlicensed contractors, not just to homes, but to insurance claims and families’ financial security. From reviewing repair agreements to stepping in when insurers deny claims tied to bad repairs, we’re here to protect homeowners.

Storm recovery is stressful enough without worrying about fraudulent contractors. Protect your home, your claim, and your rights by making informed choices and knowing when to seek help.

If your insurance claim has been impacted by unlicensed contractor work, contact us today to schedule a free consultation.