Nebraska's Homeowners Protection Act gives you key rights when working with contractors after a loss.
Quick Notification to Insurance Company
- Your contractor MUST notify your insurance company within 5 business days of signing your contract. This helps the company keep track of repairs and protects you from surprise claims or delays.
No Guarantees on Insurance Coverage
- Contractors must clearly tell you they can't promise your insurance will cover all repair costs. This keeps realistic expectations and helps you plan financially
No Kicking Back Your Deductible
- It's illegal for contractors to give you back any part of your insurance deductible as a "rebate". Watch out for these offers.
Your Mortgage Rights are Protected
- Your mortgage company's rights can't be affected by your contract, so your loan remains secure no matter what.
You can Always Talk to Your Insurance Company
- Don't let contractors stop you or your mortgage company from communicating directly with your insurance company.
Detailed Estimates Before Work Starts
- Before any works begins, your contractor must provide an itemized list of repairs, materials, labor, fees, and total costs.
Your Contract is Protected
- If a contractor does not follow these rules, your contract with them is void
Reminder: NDOI does not oversee contractors. We can only help if fraud is suspected.
