Kevin Hubbard
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Physical Address:
Law Enforcement Center
120 S. Third Street
Smithfield, NC 27577
Mailing Address:
P.O. Box 530
Smithfield, NC 27577
Phone: 919-989-5050
Fax: 919-989-5052
Insurance and Contractor Tips for Rebuilding


Take the following steps to ensure effective repairs on your damaged property.

  • Adjusters are required to properly identify themselves and, if requested, show license issued by the NC Department of Insurance.
  • If you feel the settlement offered by your insurer is not fair or complete, contact the company to provide additional information to support your claim.
  • You are not required to use the contractor the insurance company recommends.
  • You should use reliable, licensed contractors.
  • Get a written estimate and read the fine print. Deal with local contractors if possible.
  • You should ask for references.
  • Make sure the contractor carries general liability insurance and workers' compensation.
  • Obtain a complete contract that states the tasks to be performed and all associated costs including, if applicable, costs for permits or licenses.
  • Ask for a written guarantee stating who is responsible for equipment and materials.
  • Avoid on-the-spot cash payments. The safest route is to write a check made out to the contracting company.
  • If you need to cancel a contract, cancellation should be done within three business days of signing. Be sure to follow the agreements stated in the cancellation clauses and send the notification by registered mail.
  • If excavation work is being performed, make sure a qualified inspector approves the work before it is hidden from view.
  • If you want to confirm that a public adjuster is licensed or have questions about the adjuster's actions, you can call the Agent Services Division of the NC Department of Insurance at 919-733-4787.
  • If you have problems with a contractor or have been the victim of fraud, you are urged to contact your local Better Business Bureau or the Attorney General's Consumer Protection Service at 919-716-6000.
  • You can call 1-800-546-5664, the Consumer Services Division of the NC Department of Insurance, with questions or concerns about your insurance coverage.