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Protecting Your Home Before andProtecting Your Home Before and
After a Natural Disaster orAfter a Natural Disaster or
Emer...
 On Sunday, June 25, 2006, the rain came and
continued for four days causing Cameron Run to
rise an estimated 14 feet in ...
 The event damaged 158 houses, swamped
basements with sewage-infested water and
displaced scores of homeowners, many were...
 Prepare an inventory of your household personal
property before you have a loss, or
 Prepare a video tape inventory of ...
 All homeowners policies in Virginia require you to
do the following when a loss occurs:
o Give immediate notice of a pos...
 First:
◦ Contact your insurance agent, his or her
representative, or your insurance company,
 After reporting your loss...
 Give your agent or company the pictures and
provide him or her with a list of all damaged,
destroyed or stolen property,...
Hiring A Contractor
 If the emergency repairs are too extensive for you to
perform and you need to hire a contractor:
◦ H...
fairfaxcounty.gov/consumer
If you feel that you have not received prompt, courteous and
satisfactory assistance from your ...
 In the aftermath of a disaster, consumers are
often confronted by marketing scams, deceptive
door-to-door sales, home im...
fairfaxcounty.gov/consumer
 Licensed solicitors are required to show you their
Fairfax County issued license.
 The Solicitors License is an individ...
 They may not solicit at a residence which posts a
“No Peddlers or Solicitors” sign.
 They must leave the premises immed...
 Many representatives from various agencies will be
out doing whatever they can to help the community
get back to normal....
Watch out for:
 Strangers arriving at your door offering to do repairs;
 Solicitors saying “We’ve just finished a job ne...
Virginia Home Solicitation SalesVirginia Home Solicitation Sales
ActAct
The Virginia Home Solicitation Sales Act applies ...
 As a consumer in Virginia, you have the right to
cancel a home solicitation contract until the third
business day after ...
The Contract May Not beThe Contract May Not be
Canceled if:Canceled if:
 The buyer requests the seller to provide goods o...
12000 Government Center Parkway, Suite 433
Fairfax, Virginia 22035
703-222-8435 TTY 711
www.fairfaxcounty.gov/consumer
con...
Protecting Your Home Before and After a Natural Disaster or Emergency: What Consumers Need to Know
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Protecting Your Home Before and After a Natural Disaster or Emergency: What Consumers Need to Know

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Protecting Your Home Before and After a Natural Disaster or Emergency: What Consumers Need to Know

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Protecting Your Home Before and After a Natural Disaster or Emergency: What Consumers Need to Know

  1. 1. Protecting Your Home Before andProtecting Your Home Before and After a Natural Disaster orAfter a Natural Disaster or EmergencyEmergency What Consumers Need to KnowWhat Consumers Need to Know Consumer Affairs Branch Fairfax County Department of Cable and Consumer Services fairfaxcounty.gov/consumer
  2. 2.  On Sunday, June 25, 2006, the rain came and continued for four days causing Cameron Run to rise an estimated 14 feet in some locations. The flood blew out windows, buckled brick walls and drenched basements on Fenwick Drive and Arlington Terrace in the Huntington area of the County.
  3. 3.  The event damaged 158 houses, swamped basements with sewage-infested water and displaced scores of homeowners, many were renters.  County building inspectors assessed about $3.3 million worth of private property damage as a result of the storm. Huntington FloodHuntington Flood
  4. 4.  Prepare an inventory of your household personal property before you have a loss, or  Prepare a video tape inventory of your home and your personal property.  If you make any improvements, such as have an addition built on your home, remember to increase your insurance coverage. Protecting Your HomeProtecting Your Home fairfaxcounty.gov/consumer
  5. 5.  All homeowners policies in Virginia require you to do the following when a loss occurs: o Give immediate notice of a possible claim to your agent or insurance company. If the loss is by theft, notify the police. If you have lost your checkbook or credit cards, notify the bank or credit card company; What You Should Do if YouWhat You Should Do if You Suffer a LossSuffer a Loss
  6. 6.  First: ◦ Contact your insurance agent, his or her representative, or your insurance company,  After reporting your loss: ◦ Protect your property from further loss or damage. If you make emergency temporary repairs, take pictures before and after the repairs are completed and keep a record of what you spend. What You Should Do If YouWhat You Should Do If You Suffer A LossSuffer A Loss fairfaxcounty.gov/consumer
  7. 7.  Give your agent or company the pictures and provide him or her with a list of all damaged, destroyed or stolen property, and  Show the damaged property to your agent or company, if asked. What You Should Do If YouWhat You Should Do If You Suffer A LossSuffer A Loss fairfaxcounty.gov/consumer
  8. 8. Hiring A Contractor  If the emergency repairs are too extensive for you to perform and you need to hire a contractor: ◦ Hire only licensed contractors, ◦ Check the contractors license status, ◦ Obtain at least three written estimates, ◦ Contact three references and review their past work, ◦ Insist on a detailed written contract, ◦ Limit your down payment to 30% of the total cost, ◦ Do not let payments get ahead of work, ◦ Do not pay 100% of the bill until the job is 100% complete and you are satisfied with the work, ◦ Do not pay cash. Keep a record of your payments, and ◦ Keep a job file of all papers related to your project.
  9. 9. fairfaxcounty.gov/consumer If you feel that you have not received prompt, courteous and satisfactory assistance from your insurance company, contact The Virginia State Corporation Commission Bureau of Insurance. Commonwealth of Virginia State Corporation Commission Bureau of Insurance P.O. Box 1157 Richmond, Virginia 23218 (877) 310-6560
  10. 10.  In the aftermath of a disaster, consumers are often confronted by marketing scams, deceptive door-to-door sales, home improvement scams and misleading solicitations. Don’t Let Disaster StrikeDon’t Let Disaster Strike TwiceTwice fairfaxcounty.gov/consumer
  11. 11. fairfaxcounty.gov/consumer
  12. 12.  Licensed solicitors are required to show you their Fairfax County issued license.  The Solicitors License is an individual license, not a business license.  They may solicit only between 9 a.m. and 8 p.m. fairfaxcounty.gov/consumer
  13. 13.  They may not solicit at a residence which posts a “No Peddlers or Solicitors” sign.  They must leave the premises immediately if you ask them to leave.  If the solicitor does not have a license, call Fairfax County Police immediately to report the violation: 703-691-2131. fairfaxcounty.gov/consumer
  14. 14.  Many representatives from various agencies will be out doing whatever they can to help the community get back to normal. Con artists may be out there posing as: o Government employees; o Building inspectors; o Repairmen; o Public utility employees, and o Insurance agents.  Never let anyone into your home without first asking for identification and checking it out. fairfaxcounty.gov/consumer
  15. 15. Watch out for:  Strangers arriving at your door offering to do repairs;  Solicitors saying “We’ve just finished a job nearby and have material left over so we can do the job at a low price.”  Contractors with no physical address and only an answering service or pager;  Contractors who refuse to give written estimates, contracts, or references;  High pressure sales tactics or someone who tries to rush you into a decision, and  Require a large down payment or full payment before the job is completed.
  16. 16. Virginia Home Solicitation SalesVirginia Home Solicitation Sales ActAct The Virginia Home Solicitation Sales Act applies if you are solicited to purchase goods or services at your residence. It also applies if you contact a business who comes to your residence and the contract for goods or services is executed in your home.
  17. 17.  As a consumer in Virginia, you have the right to cancel a home solicitation contract until the third business day after the purchase. To cancel this transaction, mail or deliver a signed and dated copy of this cancellation notice or any other written notice, or send a telegram to (name of seller), at (address of seller) no later than midnight of (date). I hereby cancel this transaction. (Date)_______ (Buyer’s Signature)____________  Within 10 days after a home solicitation sale has been canceled or voided, the seller must refund any payments made by the buyer.
  18. 18. The Contract May Not beThe Contract May Not be Canceled if:Canceled if:  The buyer requests the seller to provide goods or services without delay because of an emergency;  The buyers emergency request clearly states in writing that the buyer understands that he is waiving his right to cancel the sale;  The performance of the contract has begun by the seller before the buyer gives notice of cancellation;  The goods are not in as good condition as when they were received by the buyer.
  19. 19. 12000 Government Center Parkway, Suite 433 Fairfax, Virginia 22035 703-222-8435 TTY 711 www.fairfaxcounty.gov/consumer consumer@fairfaxcounty.gov fairfaxcounty.gov/consumer

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