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10 ways to protect yourself from contractor scams
In times of disasters there are many ways to get scammed and it is wise to be cautious. However, you can be a victim of a con at anytime. Contractors are not generally dishonest people. It’s just that dishonest people often use contractor work as a way to scam people. To be safe, here are ten ways to protect yourself from being the victim of a contractor scam
1. Take precautions if you live alone.
If you live alone, you never want to advertise it. Have a family member or friend present with you when you meet the contractors. Secure all your valuables, including items like important papers that could be used to perpetrate identity theft. After the contractor leaves, check all of your doors and windows to make sure they're still locked.
2. Get four references.
Contractors will come prepared with three references. Ask for a fourth one of someone who had to call them back to fix a problem with the work. Then you will know whether they follow up until a customer is satisfied.
3. Read the contract.
Make sure the contract has start and end dates. You should perhaps even have an attorney look it over.
4. Better Business Bureau.
Check your local bureau and those in surrounding states. Itinerant crews sometimes work in different areas – especially after fires and other natural disasters.
5. Verify contractors' licenses.
Check licensing and local operating permits. Contact the relative state and local offices for up to date licensing information and a record of any complaints.
6. Contractor insurance coverage.
Make sure the contractor has proper surety bonds, performance bonds and worker's compensation coverage. Your insurance agent can help.
7. Ask your insurance agent.
Make sure you have proper coverage in case of injury to workers on your property or if materials are stolen. Your insurance agent can make sure the contractor has proper coverage and that you have proper coverage.
8. Deal with your insurance company yourself.
If insurance is paying for the project, negotiate with the claims adjuster yourself – do not let the contractor do the talking.
9. Materials and Supplies.
Ideally, the contractor should buy the supplies. However, if you are making the purchases meet the contractor at the particular store and then have the store deliver the supplies to your job site on the day they are needed.
10. Hire an inspector.
If you don't know much about construction, have a local government building inspector make sure work is done up to code. You can also hire an independent to perform a “before and after.”
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