The Federal Trade Commission lists the following red flags before hiring a home improvement contractor. Don’t hire a contractor who:
* Solicits door-to-door;
* Offers you discounts for helping him find other customers;
* Just happens to have materials left over from a previous job; or
* Accepts only cash payments.
A bona fide contractor will obtain the required building permits, so you won’t have to do it. He or she likely will have a business number in the phone book and won’t pressure you for an immediate decision.
You also should be skeptical about anyone who offers you exceptionally long guarantees, asks you to pay for the entire job upfront, or suggests that you borrow money from a lender the contractor knows.
Generally, your best bet is to hire contractors who have been recommended by trusted friends, relatives, or colleagues. Contractors should have personal liability, worker’s compensation, and property damage coverage. Ask for copies of insurance certificates and make sure they are up to date.
