When hiring for a construction job, selecting the bidder with the lowest price is tempting. Still, it is common to encounter unlicensed contractors, which could cost you in the long run. Always verify qualifications before hiring to avoid expensive repairs, unfinished work, and even liability for injuries.
State-by-state licensing policies vary. Most states require at least a few home improvement occupations to be licensed. These consist of:
Certain towns and states severely enforce their license requirements. Nonetheless, many of them do not. In other words, an unqualified individual could submit a proposal for your bathroom renovation. Before beginning the project, they may even steal your money and run. Regardless of the outcome, the financial responsibility would fall on the one who hired them.
As a homeowner, conducting your research and avoiding employing unlicensed contractors is crucial.
There are significant hazards associated with using unlicensed contractors. These consist of the following:
In addition, there is the issue of construction projects not complying with building code restrictions. If you are selling your property and it is not up to code due to the work of an unlicensed contractor, costly repairs may be necessary. Unfortunately, you cannot pass the buck because you decided to hire them.
A trustworthy contractor will gladly present evidence of bonding, liability, and worker's compensation insurance. However, it is still your responsibility to request it.
You can verify licensure by entering the license number on the website of your state's licensing board. Additionally, you can verify online with the Better Business Bureau.
Bonding, which protects homeowners if the contractor performs substandard work or fails to complete the project, can be verified by requesting the bond information. This should provide you with a bond number and the firm that issued the bond. To check the contractor's or company's bond number, you can locate the bond issuer's contact information on their website and communicate with them directly.
In most states, contractors must provide proof of insurance to receive a trade license or register. If a contractor you select does not have insurance, you may be responsible for the costs of your homeowner's coverage does not cover them. Even in the best-case scenario of a homeowner's insurance payment, it is likely that your premiums would increase.
This contractor's liability insurance covers property damage and personal injury caused by his job. Also, your contractor should have worker's compensation insurance, which protects against employee injuries.
If your contractor lacks a license and these insurance policies, you may be liable for any incidents on your property. If an employee falls from a ladder or is injured while moving a big product, for instance, they can sue you for damages. Even though the contractor took corners, you are still financially responsible because they were in your home when the incident occurred.
Not all homeowners or contractors are aware of the rules. And not everyone plays by the rules. Maintaining a license is costly for reputable contractors, making it difficult to compete with those who do not.
Unfortunately, homeowners often pay the price when they neglect to verify a contractor's licensing. For instance, if the contractor neglects to pull a permit, you would be accountable for the resulting penalty. Or, if an unlicensed contractor leaves you with bad or incomplete work, you will be responsible for paying for the necessary repairs.
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