![\"Storm](\"https:\/\/www.myknowledgebroker.com\/hs-fs\/hubfs\/Storm%20Chasing%20Contractors.png?width=1536&height=1024&name=Storm%20Chasing%20Contractors.png\")
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(And What to Watch for When Contractors Come Knocking)<\/span><\/p>\n <\/p>\n When a major storm rolls through Wisconsin, hail, wind\u00a0or tornado, it\u2019s not long before contractors start showing up in neighborhoods offering to help.<\/p>\n Some are reputable. Some are not.<\/p>\n A new Wisconsin law (2025 Act 230) was passed to protect homeowners from the risks that can come with post-storm repairs, especially when it comes to insurance claims and contractor agreements.<\/p>\n At R&R Insurance, we want to break this down in plain terms so you know what to expect and how to protect yourself.<\/p>\n After large storm events, it\u2019s common for out-of-town contractors often referred to as \u201cstorm chasers\u201d to move into affected areas.<\/p>\n In some cases, these contractors:<\/p>\n These situations can lead to:<\/p>\n This new law is designed to prevent that.<\/p>\n If a contractor tells you:<\/p>\n \u201cDon\u2019t worry about your deductible. We\u2019ll take care of it\u201d<\/p>\n<\/blockquote>\n That\u2019s now illegal.<\/p>\n Even offering discounts or incentives that effectively cover your deductible is prohibited.<\/p>\n Contractors are no longer allowed to:<\/p>\n That role belongs to you and, if needed, licensed professionals like public adjusters.<\/p>\n One of the most important parts of this law deals with something called an \u201cassignment of benefits.\u201d<\/strong><\/p>\n This is when a homeowner signs a document allowing a contractor to:<\/p>\n Under the new law:<\/p>\n More importantly, any agreement like this now requires:<\/p>\n If you sign an agreement with a contractor after a storm, you now have:<\/p>\n Five business days to cancel it | no penalty<\/strong><\/p>\n This gives you time to:<\/p>\n There is one exception: true emergency repairs needed to prevent further damage (like stopping active water intrusion).<\/p>\n This law gives you more protection but it doesn\u2019t replace good decision-making.<\/p>\n Here are a few practical tips:<\/p>\n Storm claims can move quickly, and decisions made in the first few days matter.<\/p>\n Our role is to help you:<\/p>\n We\u2019re not here just when things go wrong we\u2019re here to make sure you\u2019re set up correctly before and after a loss.<\/p>\n Not every contractor knocking on your door is a problem but the reality is, some situations can create more risk than homeowners realize.<\/p>\n This new law is a step toward better transparency and protection.<\/p>\n The rest comes down to having the right guidance when you need it.<\/p>\n If you have questions about a recent storm, a claim, or a contractor agreement, our team is here to help.<\/p>\nWhy This Law Was Created<\/h2>\n
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What Contractors Can No Longer Do<\/h2>\n
They Can\u2019t Waive Your Deductible<\/h3>\n
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They Can\u2019t Act as Your Insurance Negotiator<\/h3>\n
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The Biggest Change: Assignment of Benefits (AOB)<\/h2>\n
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What\u2019s Changed?<\/h3>\n
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You Now Have a 5-Day \u201cOut\u201d<\/h2>\n
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What This Means for You as a Homeowner<\/h2>\n
Do:<\/h3>\n
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Be cautious if a contractor:<\/h3>\n
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Where R&R Insurance Fits In<\/h2>\n
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Final Thought<\/h2>\n