What To Do When Your Rehab Doesn't Go As Planned



We’ve all dealt with that feeling that comes after overestimating our skills when it comes to house remodeling or repair. Sometimes it’s an easy fix, like a bad paint job. Other times it’s not so easy to fix.

And then there are those times we have trusted contractors to do the job for us, only to find out they exaggerated their qualifications and left you with an expensive mess to clean up. Either way, that sense of dread and disappointment stings.


From shoddy roof jobs to flooring mistakes to doorways that are too small or crooked to fit a regular-sized door, the issues pile up quickly, leaving you with phone calls and paperwork to file a homeowner’s insurance claim, unrest in how much this will raise your deductible in the future, out of pocket expenses, waiting for an insurance company’s inspection, the argument over why the insurance company will only pay for part of the issues, finding and vetting contractors with long wait times, negotiation with contractors over higher than expected prices, city/county permit applications and fees, and possible legal fees for shoddy work from the previous contractor.

Solutions


You’ve got a few options for this situation:


The 1st option is a personal remedy – meaning you’ve made a relatively small mistake (bad paint job, cutting the trim too short for the space, etc). Additional materials and time have their costs, but the work is minimal.


When the job is a little bigger (or worse), the next option depends on who made the bad choice/mistake. If it was you, congratulations – you’ll get to step over the mess that comes with dealing with a bad contractor. While dealing with the insurance agency can be frustrating (let’s hope you’ve got a policy with a great company that always delivers on its promises), the process is usually straightforward and you’ll simply have an out-of-pocket deductible to pay. Of course, there will probably be an insurance inspection appointment, but the time and money spent might still be reasonable. Be sure to check with your insurance agent to see how filing a claim might affect your policy price and eligibility in the future (if possible, get this in writing and keep a copy for future need, along with any receipts and paperwork deemed necessary). If the work costs less than the price to stay insured in the future, it might not be worth filing. In that case, you’ll need to find good contractors and negotiate prices, terms, and timelines to repair any damage to your home.


If, on the other hand, the shoddy work is the result of a ‘bad contractor’, things can be more difficult. Your insurance company may force you to unwillingly file a police report (check on the company’s specific requirements), and fill out additional paperwork. Also, the work may not be covered by your insurance policy. Carefully review your policy. Again, make sure the costs of repairs are worth the effort and frustration of filing an insurance claim. (Example: You wouldn’t necessarily file an auto insurance claim for a $25 damage to your tail light if you can just pay the $25 and be done with it.) You may also need legal advice regarding subrogation from the ‘bad contractor.’ This can be lengthy and tiresome. I cannot stress enough the importance of keeping written records of all contracts, receipts, communications, etc.

Another Option


If you get to the spot where you are unwilling to go through with this frustration and are ready to walk away from the damaged house, we would love to speak with you. We are ready, willing, and able to buy your home and handle the needed repairs/renovation. We’ll offer you a fair price and can generally close in just a few weeks (assuming a clear title).


If you feel this might be the option for you, please reach out to us at (940)255-7227 or email michael@amlhomesllc.com.




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