If your house is not insured against natural disasters such as storms, floods, and fires, planning for repair damage may be trickier and more expensive. This is an obvious disadvantage of having no home insurance. However, you can still get by if you follow these tips:

 

  1. Look for a Builder
    A builder is useful for helping you assess the damage. You can ask family and friends for recommendations, as good builders are often renowned by word of mouth. Industry associations in your local area are also knowledgeable when it comes to the good builders in the locality. To be safe, find a licensed builder.
  2. Damage Report
    You can request for a written damage report from the builder so you can get quotes for your home repair. You should also inquire as to whether you need to draw up plans and have them approved by a building certifier. You can ask these questions to a design specialist if the builder is unsure.
  3. Required Trades
    Next, ask your builder how many trades are needed for the job. More damage to your home equals more trades needed such as plumbing, home exterior installation, etc. In the fortunate event that only one trade is required, you may engage with the trade workers directly by contract. If more than one trade is needed, then it would be better to hire a licensed contractor or builder who can supervise the repair work.