Homeowner's Academy

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Home Repairs Handyman or Contractor

by BROOKE GOLD HASSON | Nov 02, 2013

handymanDo you need repairs done to your home? Are you not filing an insurance claim but you have some minor repairs that need to be done? Is it safe to hire a handyman? How do you know whom to trust?

Let’s first address what a handyman is. A handyman typically charges by the hour plus material costs. A homeowner typically has a list of tasks that need to be completed for the handyman such as hanging up pictures, caulking, gutter cleaning, replacing a shower head, or more challenging tasks. Some handymen are self-trained while others have more formalized training.

How do you know if you need a handyman or a contractor? The scope of a job and the level of skill required to complete it should determine this. A handyman is not the best option for a large or complicated project that could take a long time to complete and require the help of multiple workers. A contractor or specialist should be utilized for remodeling work, room additions, or projects that require heavy duty equipment or licensed professionals such as electricians or plumbers.

Here are some tips recommended by People’s Trust Insurance for hiring a handyman:

  • Shop around - Check for reviews and interview your handyman before you let him begin work on your home. Ask about experience and call a referral. Make sure the potential handyman has the skills and experience to complete the project you are looking to complete.
  • Define the project - Create a list of the repairs you would like done on your home.  This could be putting in light fixtures, patching up holes, etc. If the job requires a permit it would not be considered the type of job a handyman would do and you should consider a contractor. Keep in mind that the Rapid Response Team offers extensive options for fixing your home in the event of ‘major’ damage even if you are not filing a claim. You can visit their website at www.rrtfl.com.
  • Scams - Avoid handymen that contact you, unsolicited. You should also avoid handymen that refuse to guarantee the price of the job or ask for payments upfront. You should not have to make a payment until the job is complete.
  • Contract - Get it in writing - the job details, costs and a payment schedule. Be clear about when you expect them to work and when the project is to be started and completed. All guarantees should always be in writing.
  • Completion Inspection - Before you make a final payment make sure you review the work.

If you have a policy with People’s Trust Insurance and need to report a claim our experienced team of claims adjusters is available when you need us, 24 hours a day, seven days a week. Call our toll-free number: 1-888-511-7716. To have our Claims Department contact you: Click Here!