Tips on Hiring Hiring a
Contractor
Interview each contractor you’re
considering. Here are some questions to ask.
How long have you been in business?
Look for a well-established company and check it out with consumer
protection officials. They can tell you if there are unresolved
consumer complaints on file. One caveat: No record of complaints
against a particular contractor doesn’t necessarily mean
no previous consumer problems. It may be that problems exist,
but have not yet been reported, or that the contractor is doing
business under several different names.
Are you licensed and registered
with the state? While most states license electrical and
plumbing contractors, only 36 states have some type of licensing
and registration statutes affecting contractors, remodelers,
and/or specialty contractors. The licensing can range from simple
registration to a detailed qualification process. Also, the
licensing requirements in one locality may be different from
the requirements in the rest of the state. Check with your local
building department or consumer protection agency to find out
about licensing requirements in your area. If your state has
licensing laws, ask to see the contractor’s license. Make
sure it’s current.
How many projects like mine have
you completed in the last year? Ask for a list. This will
help you determine how familiar the contractor is with your
type of project.
Will my project require a permit?
Most states and localities require permits for building projects,
even for simple jobs like decks. A competent contractor will
get all the necessary permits before starting work on your project.
Be suspicious if the contractor asks you to get the permit(s).
It could mean that the contractor is not licensed or registered,
as required by your state or locality.
May I have a list of references?
The contractor should be able to give you the names, addresses,
and phone numbers of at least three clients who have projects
similar to yours. Ask each how long ago the project was completed
and if you can see it. Also, tell the contractor that you’d
like to visit jobs in progress.
Will you be using subcontractors
on this project? If yes, ask to meet them, and make sure
they have current insurance coverage and licenses, if required.
Also ask them if they were paid on time by this contractor.
A "mechanic’s lien" could be placed on your
home if your contractor fails to pay the subcontractors and
suppliers on your project. That means the subcontractors and
suppliers could go to court to force you to sell your home to
satisfy their unpaid bills from your project. Protect yourself
by asking the contractor, and every subcontractor and supplier,
for a lien release or lien waiver.
What types of insurance do you carry?
Contractors should have personal liability, worker’s compensation,
and property damage coverage. Ask for copies of insurance certificates,
and make sure they’re current. Avoid doing business with
contractors who don’t carry the appropriate insurance.
Otherwise, you’ll be held liable for any injuries and
damages that occur during the project.