Unnatural disaster: How to avoid being ripped off by contractors after a storm
Deciding who to hire to do work on your home can be a difficult decision, especially in the stressful time after storms or unexpected disaster. Advocates warn consumers about fly-by-night contractors and urge homeowners to be vigilant and to do their homework before hiring anyone.
Here are some tips from the Better Business Bureau about hiring a contractor:
1. Check out their track record. Contact BBB to obtain free Business Reviews on any company you're considering hiring. Visit bbb.org or call 1-800-646-6222.
2. Solicit multiple quotes. Shop around and get at least three written estimates.
Create a More Connected Minnesota
MPR News is your trusted resource for the news you need. With your support, MPR News brings accessible, courageous journalism and authentic conversation to everyone - free of paywalls and barriers. Your gift makes a difference.
3. Verify License, Insurance and Bonding. Ensure that companies have a current license to do work in your state, as well as liability and workers' compensation insurance. Make sure that all workers are bonded.
Why does it matter if contractors are licensed and bonded?
4. Ask for references. Get references from recent jobs and verify them before signing a contract. Be leery of people who say they have leftover materials from a nearby project; ensure they are an employee of the business they claim to be representing, and take time to research the business.
5. Inquire about a lien waiver. A lien waiver is a statement from the contractor that all suppliers and subcontractors have been paid for their work.
Why is a lien waiver so important?
6. Don't forget building permits. Permits are for your protection and help ensure work will meet local building codes. Check with your contractor before starting your project. Homeowners bear the cost of building permits, but companies should be responsible for obtaining any necessary permits.
7. Consider future service issues. Keep in mind that if you choose a contractor or company that isn't local you need to know who to contact in regard to any service needs that may arise after completion of the project.
8. Get everything in writing. Don't allow work to commence without a signed, written contract that includes project start and completion dates, exact costs, specific work to be done and warranty information.
Why insist on written contracts?
9. Don't rely on verbal promises. Any promises made orally should be written into the contract, including warranties on materials and/or labor.
10. Arrange a payment schedule. Never pay in full in advance of a project. Never pay in cash; use check or credit card.
How does a payment schedule work?
For more tips and information about looking up a contractor's license visit: