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Tip-offs to Potential Home Repair Rip-offs

Whether you’re planning an addition for a growing family or simply replacing storm windows, selecting a contractor is the first and most important step in the process.  Home improvement and repair contractors and maintenance contractors often advertise in newspapers, the Yellow Pages, and on the radio and TV.  However, don’t consider an ad an indication of the quality of a contractor’s work.  Your best bet is a reality check from those in the know:  friends, neighbors, or co-workers who have had improvement work done.  Get written estimates from several companies.  Ask for explanations for price variations.  Don’t automatically choose the lowest bidder.

Not all contractors operate within the law.  Here are some tip-offs to potential rip-offs.

A less than reputable contractor: 

q       Solicits door-to-door;

q       Offers you discounts for finding other customers;

q       Just happens to have materials left over from a previous job;

q       Only accepts cash payments;

q       Asks you to obtain the required permits;

q       Does not list a business number in the local phone directory;

q       Tells you that your job will be a “demonstration;”

q       Pressures you for an immediate decision;

q       Offers exceptionally long guarantees;

q       Asks you to pay for the entire job up-front;

q       Suggests that you borrow money from a lender the contractor knows.

Here are some questions we suggest you ask any potential contractor: 

How long have you been in business?

Look for a well-established company and check it out with consumer protection agencies. 

Are you licensed and registered with the commonwealth?

Check with your town building inspector and the Public Safety Division of Registration to find out about the contractors license.

How many projects like mine have you completed in the last year?

Ask for a list of references.  This will help you determine how familiar the contractor is with your type of project and how well he completed past work. 

Will my project require a permit?

Most construction projects require permits.  A competent contractor will get all the necessary permits before starting work on your project.  Be suspicious if the contractor asks you to get the permit. 

Will you be using subcontractors on this project?

If the answer is yes, ask to meet them and make sure they are licensed and carry current insurance, if required. 

What types of insurance do you carry?

Contractors should have personal liability, worker’s compensation and property damage coverage.  Ask for copies of insurance certificates and make sure they are current. 

These suggestions should help keep you out of trouble but be sure to utilize the suggestions in “Hiring a Home Improvement Contractor: Don’t Get Nailed.” If you have a problem with your home improvement project, first try to resolve it with the contractor.  Many disputes can be resolved at this level.  Follow up any phone calls with a letter sent certified mail with a return receipt.   Request a copy of the Attorney General’s booklet “Home Improvements.”  If you can’t get satisfaction call CAC.