{"id":7656,"date":"2013-08-26T20:00:35","date_gmt":"2013-08-27T01:00:35","guid":{"rendered":"http:\/\/www.paristn.net\/articles\/?p=7656"},"modified":"2013-08-26T16:35:38","modified_gmt":"2013-08-26T21:35:38","slug":"tennessee-department-of-commerce-and-insurance-reminds-tennesseans-to-always-verify-before-you-pay","status":"publish","type":"post","link":"https:\/\/www.paristn.net\/articles\/2013\/08\/26\/tennessee-department-of-commerce-and-insurance-reminds-tennesseans-to-always-verify-before-you-pay\/","title":{"rendered":"Tennessee Department of Commerce and Insurance reminds Tennesseans to \u2018Always verify before you pay\u2019"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-131388\" title=\"Tennessee Department of Commerce and Insurance\" alt=\"Tennessee Department of Commerce and Insurance\" src=\"http:\/\/www.clarksvilleonline.com\/wp-content\/uploads\/2012\/08\/Tennessee-Department-of-Commerce-and-Insurance.jpg\" width=\"480\" height=\"92\" \/><\/p>\n<p><span style=\"color: #000080;\"><strong><i>Be sure to check license status at verify.tn.gov before hiring a contractor<\/i><\/strong><\/span><\/p>\n<p><strong>Nashville, TN<\/strong> &#8211; After a very wet summer, it\u2019s important for Tennesseans to make sure that any needed home repairs are serviced by a licensed contractor.<\/p>\n<p>\u201cWe encourage individuals to vet contractors through <a target=\"_blank\" href=\"http:\/\/www.verify.tn.gov\/\" >verify.tn.gov<\/a> or through the <a target=\"_blank\" href=\"http:\/\/tn.gov\/regboards\/contractors\/index.shtml\" > Board for Licensing Contractors<\/a> before signing on the dotted line,\u201d said the Regulatory Boards Assistant Commissioner Bill Giannini. \u201cNever pay cash and always, ALWAYS, verify before you pay any money!\u201d<\/p>\n<p>The <a target=\"_blank\" href=\"http:\/\/www.tn.gov\/commerce\/\" > Department of Commerce and Insurance<\/a> (TDCI) offers the following tips to homeowners for interacting with insurance companies and selecting contractors.<!--more--><\/p>\n<h3>Tips<\/h3>\n<ul>\n<li>As soon as possible after an event affects your home, assess damage. Locate a copy of your home insurance policy and read through it. Weigh contacting your insurance carrier or your agent. (Note: Frequently filing claims could affect your coverage.)<\/li>\n<li>If you decide to contact your insurer, make a thorough inventory of all of the items missing from or damaged in your home for your adjuster.<\/li>\n<li>Take pictures, if possible, of all damage \u2013 inside and outside, from several angles \u2013 to get full documentation before any repairs are made.<\/li>\n<li>Secure and protect your property against further rain or other damage as much as possible without making permanent repairs, so that the adjuster can see and document the full extent of the damage,<\/li>\n<li>Keep receipts for expenses of protecting your property from further damage.<\/li>\n<li>Follow the claims-filing procedure set forth in your policy. If there is a dispute, follow the company\u2019s dispute process.<\/li>\n<li>Many larger companies have quick-response teams that come into areas of heavy damage to process large numbers of claims as quickly as possible. Others will not send someone out unless you call them. Call your company to be sure.<\/li>\n<li>Call TDCI with insurance issues at 800.342.4029 or the department\u2019s <a target=\"_blank\" href=\"http:\/\/tn.gov\/consumer\/\" >Consumer Affairs<\/a> division hotline for non-insurance issues at 800.342.8385.<\/li>\n<li>Tennessee\u2019s <a target=\"_blank\" href=\"http:\/\/tn.gov\/regboards\/contractors\/index.shtml\" >Board for Licensing Contractors<\/a> has found that unscrupulous, unlicensed contractors like to take advantage of homeowners anxious to rebuild after disasters. Be sure to hire only licensed contractors and check them out with the Board. Consumers may verify a license status by calling 800.544.7693, or may check TDCI\u2019s website for various trades at verify.tn.gov.<\/li>\n<\/ul>\n<h3>Contractor Tips<\/h3>\n<p>Consumers can find great contractor related resources on the <a target=\"_blank\" href=\"http:\/\/tn.gov\/regboards\/contractors\/index.shtml\" >Board for Licensing Contractors<\/a> <a href=\"http:\/\/1.usa.gov\/mQF7s0\"  target=\"_blank\">consumer resources page<\/a>. Again, the State encourages Tennesseans to regularly visit and utilize <a target=\"_blank\" href=\"http:\/\/www.verify.tn.gov\/\" >verify.tn.gov<\/a>, which is the license database for dozens of professions (including home contractors). Consumers can and should check the license status of any contractor they consider hiring, not just ones from out of state. They also can find the <a target=\"_blank\" href=\"http:\/\/www.tn.gov\/commerce\/\" >Tennessee Department of Commerce and Insurance<\/a>\u2019s list of problem contractors at <a href=\"http:\/\/1.usa.gov\/p3ar2C\"  target=\"_blank\">here<\/a> and the monthly disciplinary actions report posted at <a href=\"http:\/\/1.usa.gov\/oaY9Yo\"  target=\"_blank\">here<\/a>.<\/p>\n<p>The <a target=\"_blank\" href=\"http:\/\/tn.gov\/regboards\/contractors\/index.shtml\" > Contractors Board<\/a> can be reached at 1-800.544.7693 or by e-mailing <a href=\"mailto:Contractors.Home-Improvement@TN.Gov\">Contractors.Home-Improvement@TN.Gov<\/a>. Both can be used to file complaints against a contractor.<\/p>\n<p>Also be advised that the <a target=\"_blank\" href=\"http:\/\/www.fema.gov\/national-flood-insurance-program\" >National Flood Insurance Plan<\/a> is a federally administered program, operated by the Federal Emergency Management Agency. For further information, visit <a target=\"_blank\" href=\"http:\/\/www.fema.gov\/national-flood-insurance-program\" >FEMA<\/a>.<\/p>\n<h3>About the Tennessee Department of Commerce and Insurance<\/h3>\n<p>The <a target=\"_blank\" href=\"http:\/\/www.tn.gov\/commerce\/\" >Department of Commerce and Insurance<\/a> works to protect consumers while ensuring fair competition for industries and professionals who do business in Tennessee.<\/p>\n<p>Follow us on <a target=\"_blank\" href=\"http:\/\/on.fb.me\/uFQwUZ\" >Facebook<\/a>, <a target=\"_blank\" href=\"https:\/\/twitter.com\/TNCommerceInsur\" > Twitter<\/a>, and <a target=\"_blank\" href=\"http:\/\/bit.ly\/ry1GyX\" >YouTube<\/a> for daily TDCI tips!<b> <\/b><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Be sure to check license status at verify.tn.gov before hiring a contractor Nashville, TN &#8211; After a very wet summer, it\u2019s important for Tennesseans to make sure that any needed home repairs are serviced by a licensed contractor. \u201cWe encourage individuals to vet contractors through verify.tn.gov or through the Board for Licensing Contractors before signing [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[181],"tags":[8486,1401,528,529,284,6616,3722,261,2288,8487],"class_list":["post-7656","post","type-post","status-publish","format-standard","hentry","category-government","tag-bill-giannini","tag-contractors","tag-federal-emergency-management-agency","tag-fema","tag-nashville-tn","tag-tdci","tag-tennesseans","tag-tennessee","tag-tennessee-department-of-commerce-and-insurance","tag-tennessee-regulatory-boards"],"_links":{"self":[{"href":"https:\/\/www.paristn.net\/articles\/wp-json\/wp\/v2\/posts\/7656","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.paristn.net\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.paristn.net\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.paristn.net\/articles\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.paristn.net\/articles\/wp-json\/wp\/v2\/comments?post=7656"}],"version-history":[{"count":1,"href":"https:\/\/www.paristn.net\/articles\/wp-json\/wp\/v2\/posts\/7656\/revisions"}],"predecessor-version":[{"id":7657,"href":"https:\/\/www.paristn.net\/articles\/wp-json\/wp\/v2\/posts\/7656\/revisions\/7657"}],"wp:attachment":[{"href":"https:\/\/www.paristn.net\/articles\/wp-json\/wp\/v2\/media?parent=7656"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.paristn.net\/articles\/wp-json\/wp\/v2\/categories?post=7656"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.paristn.net\/articles\/wp-json\/wp\/v2\/tags?post=7656"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}