10 things every homeowner must verify before signing anything.
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Valid state contractor license
Ask for their license number and verify it on your state's contractor board website. Takes 60 seconds.
General liability insurance (min. $1M)
Request a Certificate of Insurance naming you as the certificate holder. No certificate = no hire.
Workers' compensation coverage
If a worker gets hurt on your property without it, you could be liable. Verify this separately from general liability.
Written, itemized estimate
Verbal quotes don't protect you. Demand a written estimate with line items — labor, materials, and markup all separated.
3+ references from recent similar jobs
Ask for references specifically from the last 12 months and for work similar to yours. Actually call them.
Physical business address
P.O. boxes are a red flag. Verify a real office or shop address — look it up on Google Maps Street View.
Signed contract with full scope of work
Must include: what work will be done, specific materials and brands, start date, completion date. No handshake deals.
Milestone-based payment schedule
Never pay 100% upfront. Standard is 10–30% deposit, remainder tied to milestones. Final 10% held until punch-list is complete.
Permit responsibility — confirmed in writing
Most significant work requires permits. Your contract should state who pulls the permit and who is responsible if work fails inspection.
Cleanup and debris disposal plan
Who handles material disposal? A dumpster you're renting? Their truck? Get this in writing or you'll be stuck with the bill.