What We Do Differently From Storm-Chase Contractors
After major weather events in NJ, storm-chase contractors flood the affected area door-knocking for AOB signatures. We don't. Not because the tactic is illegal (it isn't) but because the typical outcomes for property owners are bad: AOB transfers your insurance claim rights to the contractor, you lose the ability to choose your own restorer mid-job, and AOB-related disputes commonly end in litigation between the contractor and the carrier.
What we do instead: respond to inbound calls from Toms River homeowners who chose to call us based on referral, prior work, or local recognition. Engage at the homeowner's pace, with the homeowner's chosen carrier. Sign a straightforward services agreement (no AOB). Document the work at every stage so the homeowner has full records of what was done and what was billed. Coordinate the carrier relationship transparently rather than as an opaque between-contractor-and-insurer process.
This approach takes longer to build a business than door-knocking does. It also produces a business that doesn't collapse when the regulatory environment around AOB tightens (which it has, in many states, and is likely to in NJ). For homeowners, the benefit is straightforward: full control of your claim, transparent billing, and the ability to part ways if you ever want to, without legal entanglement.