The Tennessee Attorney General's Division of Consumer Affairs laid a blueprint for residents grappling with the storm aftermath. These guidelines, aiming to streamline the recovery process and protect storm victims from further financial harm, were shared after extensive damage had left many in a state of disarray.
Financial steps include reaching out to insurers and creditors posthaste. The Division stresses prompt action in notifying insurance companies of storm-related claims, emphasizing the need to present comprehensive and correct information to prevent any hindrances in claim processing. Victims who find their homes unlivable should inquire about coverage for additional living expenses with their insurers, maintaining records of all temporary repairs to be fully reimbursed, according to details provided by the official release.
With homes and properties compromised, the urgency to rebuild can make Tennesseans vulnerable to predatory contractors. The Attorney General’s Division urges homeowners to confirm the licensing of any contractor through the state's website at www.verify.tn.gov and to be cautious of common red flags. These include door-to-door sales, high-pressure sales tactics, demands for full payment upfront, and reluctance to provide written contracts. Contractors in Tennessee are legally prohibited from requiring more than one-third of the total payment as a down payment, as delineated in the aforementioned guidelines.
For residents dealing with car damage due to standing water, it's recommended to get a comprehensive check by a professional repair shop, while those considering the purchase of a vehicle should always opt for a licensed seller and investigate the car's history and value. "Always buy from a licensed seller," advises the Tennessee Motor Vehicle Commission, urging buyers to validate salesperson's licenses and insist on an independent mechanic's inspection before sealing the deal on a used car.
The Division is on high alert for scams and fraudulent activities. Anyone demanding upfront fees for services, posing as officials without verification, or pressuring for snap decisions on limited-time offers should be reported. Victims of such deceptions or witnesses to unlawful price inflation on essential goods have been urged to file grievances with the Attorney General’s Office Division of Consumer Affairs at www.tn.gov/consumer.
