A plain-English, step-by-step plan for WNC homeowners repairing or rebuilding after Helene.
Take photos and video of all damage before cleanup. Keep every receipt, including tarps, hotel stays and debris removal.
Contact your homeowners and flood insurers, and write down claim numbers and adjuster names.
Make sure each one covers the same scope, so you can compare them fairly.
Jobs of $40,000 or more need an NCLBGC-licensed general contractor. Electrical work needs an NCBEEC license. Here's how to check.
Ask for general liability and workers' comp certificates, and call the insurer to confirm they're current.
It should list the price, payment schedule, scope, materials and completion date (NC DOJ Safe to Rebuild).
Your county inspections department issues permits. A good contractor will pull them.
Sources: NC Department of Justice, FEMA, NC Office of Recovery and Resiliency. Programs change, so check the linked pages for current details.
Get quotes from license-checked pros