Warming spring weather has many homeowners thinking about repair and remodeling projects to spruce up their homes. If you're not the do-it-yourself type, how do you find a trusted professional to do the work?
Asking friends for recommendations can be a good start. It pays to do more research, though, especially if you're planning a major project like a new deck, a kitchen makeover or exterior spruce-ups like new siding or a roof. When thousands of dollars are on the line, you want to make sure your project turns out the way you want.
Getting written estimates from several contractors is key because it allows you to compare costs and understand what is available in your market. An estimate should spell out materials that will be used, how much time will be required to complete the project and the cost. Don't hesitate to ask questions.
Once you've chosen a contractor, the estimate should be formalized in a contract both the homeowner and contractor sign. Make sure you read the contract carefully before you sign it, checking that materials are specified by color, style and brand. Ask the contractor to tell you when the work will begin and when it will be completed.
Consumers should never pay the entire cost of a project up front. Many contractors ask for a down payment to secure the contract or cover the cost of purchasing materials, but some established contractors may not ask for one. A good rule of thumb is to pay a third in advance, another third when the work is halfway completed and the rest only after you're completely satisfied.
Better Business Bureau has seven tips to help consumers through the process of hiring a contractor:
- Ask at least three companies for bids based on the same requirements. Discuss the bids in detail with each contractor and ask them about variations in pricing. The lowest-priced bid may not be the best.
- Ask about insurance. Does the contractor have worker's compensation, property damage and liability insurance? Ask for proof of insurance or for the name of an insurance agent you can call to verify the coverage.
- Ask whether the contractor is licensed for the type of work you need. Does the firm meet the bonding requirements of your town, county or state?
- Check with local authorities to find out whether permits are needed. The contractor should be aware of any permits or inspections that may be required.
- Ask the contractor to provide a lien waiver when the job is completed. A lien waiver is a statement that all suppliers and contractors have been paid for materials and labor.
- Ask for a contract and read it. Get verbal promises in writing. Make sure the contract includes the start date and expected completion date.
- Don't pay the entire amount due until the work is completed and you are satisfied. Be careful if a contractor wants to be paid in full up front. In some cases, a contractor may need a down payment to cover materials. But the bulk of the money should not be due until the work is complete.
Mike Harrison is the Mid-Missouri regional director for the Better Business Bureau.