Be careful not to sign away your rights…

Pat Garrett |

 October 17, 2021

Time and again property owners contact us after they’ve signed away their rights to a contractor. That’s not always a bad thing, but for the most part it’s a disaster within a disaster. The insurance company may have their service providers contacting you, or you may get contacted via direct solicitation, whether it be a restoration contractor, roofer, water mitigation company or the alike. Do a careful analysis about who you hire and the costs you incur.

We have seen an alarming increase in service providers swooping in while policyholders are under duress. We get it – you want help to stop the damages and do the right thing, but when a contract gets signed and work begins, you’re wondering how much will the carrier pay for the damages.

Here enters the problem – you want to be paid for the damages, not give your policy benefits and insurance proceeds to others or incur expenses that were unnecessary. It’s your policy and you should not entrust or rely upon unlicensed individuals to assist in the insurance claim process!

If you want to be in control of your insurance claim and receive payments for the damages, then be very careful about what you sign and know your obligations, when entering into contracts. Contractors are there to construct and rebuild, they are not licensed or in the business of insurance claims filing, negotiation, or settlements.

We encourage you to engage a Public Adjuster like Garrett Claims Group in the beginning of your claims process to protect your interest and represent your claim. Call us: 877.467.5677


  • Keep a copy of your updated Insurance Policy;
  • Report claims within a reasonable time frame;
  • Protect your property & retain all receipts; 
  • Take plenty of photographs (pre-Loss & post-loss);
  • Do not sign contracts under Duress or if you’re unsure of its terms; and
  • We are here for you!