Knowledge is power.

A contract should spell out specifically what work is to be done, including materials. If you’re filing with an insurance company, let them approve it first. There should also be a timeline for payments and for completion of the work. (See the list of other specific advice below.)

Read everything carefully.

While licensed contractors are required to use standard contracts, others just know how to con people. For instance, in your time of need and dismay, they might slip in notations on the contract they are asking you to sign such as- stipulating that the consumer has to pay them even if the job isn’t finished.

Important things to check for is the contractor’s liability insurance (liability insurance gives the consumer recourse if problems arise), and worker’s compensation insurance, (without worker’s comp, the homeowner could end up being sued over worker’s injuries).

Never give any contractor money up front.

They should be able to carry the costs of materials up front, having credit or money for materials. If the remodeling or rebuilding costs are $75,000 or up, you should have a detailed contract with a pay (or draw) schedule.

You may also want to enlist a handyman who is qualified but may not have the capital. In this case, get a detailed list of materials that are needed and go get them yourself or have them delivered. Don’t just hand a check to someone you don’t know.

Although this is a trying time, do not succumb to any pressure tactics to rush to approve an agreement. “I could start today,” isn’t a reason to sign anything without first doing your due diligence.

DUE DILIGENCE

• Use a local contractor when possible. Ask to see their license. Get their full name and business address. Check the business name via the Florida Department of Professional and Business Regulation.

• Ask for proof of liability and worker’s compensation insurance. Call the insurance company to make sure the insurance is still valid.
• Get references from previous clients; check their online reviews.
• Always get at least three estimates for the repairs needed. This will most likely be required by your insurance provider.
• Keep a detailed log of all conversations. Use email communication as much as possible so you have a record.
• Be sure you receive a detailed estimate and contract with each task itemized with a cost and then the total amount expected. Make sure the contract is signed by the contractor in your presence. Be sure the contract has estimated dates of start and completion.
• Be sure all necessary permits are filed by the contractor, and the permits are present and posted on the property prior to the start of the project. When the work is done, be sure that the work is properly inspected.
• Never pay for projects not yet completed.

SAFETY

• Take note of the vehicle the person is driving and write down their license plate number.
• Remember their physical description.
• Get the person’s phone number and call it in their presence to ensure it is indeed their phone number.
• Never allow anyone that you do not know or trust to walk freely inside your home when out of your sight.
• Do not allow multiple individuals to distract you while others roam freely.
• Use your smartphone’s camera to photograph or video your interaction with the contractor.

In this very trying time in Southwest Florida, please know that we stand by our community. We want you to protect yourself. We’ve lost plenty. Now it’s time to rebuild. Make sure that the person you pick to help you get back to regular life is local (preferably), licensed, insured, honest and reliable.

Need a recommendation? Give us a call today.