8 Things to Know About Hiring a Contractor

Choosing the right contractor can be intimidating and time-consuming, but a little forethought and research will make the process much smoother. Whether you're hiring a handyman, landscaper, plumber, or general contractor, there are some important things you should know before you begin.

Selecting a Contractor

• Do your research. Understand which trades are required for your project. If your project will require more than 2 or 3 different trades, it is wise to hire a general contractor. Have sketches and photos on hand to illustrate what you want done. If yours is a larger project, you may want to start by consulting a qualified architect, whose services may prove their weight in gold.

• Insist that contractors come to the site to quote prices and make sure all contractors are bidding on the same specifications. Never hire "Billybob" with a pickup truck. While he might be qualified to build a doghouse, you should be reluctant to use him for a professional home improvement job. Only hire state licensed contractors.

Does the work require permits and inspections?

Most projects require permits and/or inspections, although specific requirements vary from town to town. Make sure the contractor prepares all the necessary paperwork; don't be afraid to check with your building inspector to verify. Sub-trades also need to ascertain whether their work needs inspection.

• Always get a written quote with a materials list. The contract should clearly spell out the responsibilities of both parties, as well as the entire scope of work with a breakdown of all associated costs. Ensure that a time limit for completion of agreed work is provided. Make sure the quote includes removal of debris and cleanup of the site.

• Have the contractor fully explain his "change order" policy and discuss each change order as they occur. How will price and schedules be affected?

• Call at least two or three people who have completed projects similar to yours. A reputable and confident contractor will provide you with a reference list. Ask to see pictures of completed projects.

• Is the contractor insured and licensed? Be certain he carries either "Workers Compensation" or "General Liability" Insurance. Ask them to have their insurance carrier send you a copy before work begins. NEVER accept copies handed over by the contractor himself.

• Pay no more than 30% down. The payment schedule varies according to the size and scope of the project, but make sure it is spelled out in the contract. The final payment should be held back until all work is completed to your satisfaction.

• Finally, don't agree to anything with which you are uncomfortable.