It is important to choose wisely when hiring a restoration contractor. Here are some things to consider when looking for a restoration contractor: * Hire a local contractor. Deal only with established businesses who can provide references and are willing to give you a signed contract before service. * Check with the local disaster center, your local building code department or the Better Business Bureau for guidance. * Don't rush into signing a contract. Collect a number of estimates for the job if time allows. * Obtain written estimates before the restoration contractor provides any services. * Do not sign contracts for major repairs until your insurance company representative has determined how much damage there is and how much the insurance company will pay out. Payment arrangements with your contractor should be handled carefully. Here are some things to consider concerning payment: * If the repair work is extensive, the contractor may ask for periodic partial payments as the work progresses, but it is highly unlikely that a reputable contractor would request full payment in advance. * The contract should specify that payments be made as the work is completed. * If you have a mortgage on your home, the lending institution may also have specific requirements about how the insurance funds are expended. * If there is a discrepancy over the cost of repairs or the contractor has found hidden damage, you should first contact your insurance company representative and try to resolve the difference.