How to Verify a Contractor is Legitimate
Before getting a quote, verify the contractor holds a valid state license for general contracting or the specific trade. Most states publish license verification online through the state licensing board. Ask for a certificate of insurance showing general liability (minimum $1 million per occurrence) and workers compensation coverage. If a contractor cannot provide these in writing within 24 hours, move on. An unlicensed or uninsured contractor leaves you exposed to liability if a worker is injured on your property.
What to Look for in References and Reviews
Ask for references from three projects similar to yours completed within the last 18 months. Call each reference and ask specifically: Did the project finish on budget? Did it finish on schedule? How were problems handled? Would you hire them again? Online reviews on Google and Houzz provide additional signal, but focus on reviews that describe specific project details rather than generic praise. Look for patterns in negative reviews — complaints about communication and change order surprises are the most common recurring issues.
Red Flags When Hiring a Contractor
Watch for: requests for large upfront payments (more than 10 to 20 percent of the project cost) before work starts; inability to provide a license number or insurance certificate; no written contract or willingness to work without a permit; vague or un-itemized quotes; pressure to sign immediately; and no local physical address or verifiable business history. A contractor who pushes to avoid permits on permit-required work is a serious red flag.
Frequently Asked Questions
How do I verify a contractor's license?
Look up your state's contractor licensing board online. Most publish a searchable database where you can enter a license number or business name. Verify the license is current, covers the scope of work, and has no complaints or disciplinary actions. Always ask for the license number before hiring.
How many quotes should I get for a remodel?
Get at least three written, itemized quotes for any project over $5,000. Three quotes give you a meaningful range and reveal whether any quote is significantly out of alignment. Avoid the lowest quote if it is more than 20 percent below the others without a clear explanation.
What should a remodeling contract include?
A remodeling contract should include: a detailed scope of work with materials specified by brand and grade; start and completion dates; payment schedule tied to milestones; change order process and pricing; who is responsible for permits; insurance and license numbers; and warranty terms. Never start work without a signed contract.