Hiring a contractor is one of the biggest financial decisions you'll make as a homeowner. Here are 10 questions that separate the professionals from the problems.
1. Are you licensed and insured? Ask to see their actual license and insurance certificates. Verify them. An unlicensed contractor means zero consumer protection if something goes wrong.
2. Who will be on the job site daily? If the answer is 'our crew' with no names, that's a red flag. You should know exactly who is working in your home.
3. Can I see a detailed written estimate? Vague estimates lead to change orders. A detailed, written estimate is the sign of a professional who has nothing to hide.
4. Do you pull permits when required? If a project involves structural work and they suggest skipping permits to save money, run. Unpermitted structural work can tank your home value and create liability nightmares.
5. What's your payment schedule? Never pay more than 10-15% upfront. Progress payments tied to milestones are standard. 100% upfront? Walk away.
6. Can I talk to recent clients? Not references from 5 years ago — recent ones. Call them. Ask if the project was on time, on budget, and if they'd hire again.
7. What happens when you find a surprise? Every remodel has surprises. The question is: does the contractor stop and discuss it with you, or just add it to your bill?
8. How do you handle change orders? Changes happen. A good contractor documents them in writing with cost and timeline impact before proceeding.
9. What warranty do you provide? Get it in writing. Workmanship warranty plus manufacturer warranties on materials.
10. Will you be working on other projects simultaneously? A contractor juggling 5 jobs will disappear for days. Ask how much of their attention your project will get.