Contractor Check: How to make sure you’re protected when hiring a contractor
Also, ask if the contractor you hire will be the one to make repairs or if a subcontractor will be hired. Make sure you check the license and insurance for all subcontractors as well.
If you’re filing an insurance claim, most homeowners’ policies have a deductible. So if someone tells you they can repair your home at no cost to you, remember nothing is free. (info on insurance deductibles)