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How to Find a Reputable Contractor After a Storm or Disaster
After a natural disaster or storm, it's essential to hire a licensed contractor for any repairs to your home. Michigan law requires that any repair work totaling $600 or more be completed by a licensed contractor, either a residential builder or a residential maintenance and alteration contractor. To ensure you’re hiring a legitimate professional, start by asking the contractor for their 10-digit "residential builder license number."
Once you have the license number, you can easily verify it by visiting www.michigan.gov/bcc. On the website, select "Verify A License," then choose “Construction: Residential Builders, Electricians, Plumbers, etc.” From there, enter the contractor’s license number to confirm their credentials.
It’s important to understand the difference between the types of contractors you might hire:
Residential builders and residential maintenance and alteration contractors are required to be licensed under Article 24 of the Occupational Code. For more details, visit www.michigan.gov/bcc and select “Administrative Rules, Codes, Public Acts and Standards” to review their specific legislative guidelines.
Verifying a contractor’s license ensures that they meet Michigan’s standards and are properly qualified for the job. By following these steps, you can be confident that you’re hiring a reputable, licensed professional to help with your repairs.
Department of Insurance and Financial Services
DIFS Consumer Counselor: Insurance Policies and How to Claim What is Yours
DIFS Guide to Resolving Insurance Problems/Complaint Form
DIFS Consumer Counselor: Homeownership vs. Repair Cost Policies
Insurance Claims Tracking Sheet
DIFS Office of Consumer Services:
