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FEMA Tips for Hiring a Contractor for Home Repair

Suggested FEMA steps to protect your investment as you repair or rebuild your disaster-damaged home.

1.  Plan your project by detailing out what you want done
2. Get 2-3 estimates – when comparing estimates from different contractors, don’t just compare the bottom-line cost.  Look at the cost and quality of materials for each one.  Be sure the estimate includes the total price, the materials to be used, a timetable for payments and the expected timeline for completion of work.  
   1. Verify the Contractor’s License and Insurance – Get proof that the contractor you may be working with is licensed or registered.  Only work with contractors who are currently licensed or registered.  You can check your state’s regulatory agency to check the status of their license.  –Verify insurance – legitimate contractors will show proof of insurance, licensing and bonding.  If they don’t you could be liable for accidents on your property.
3. Check at least 3 references – ask your contractor for references you can speak.  Find out if they were satisfied with the contractor’s work and if the contractor kept to the schedule and contract terms.
4. Take a picture of your contractor, their business card, vehicle and license plate
5. Require a written Contract – the contract should be a detailed description of the work to be done, the material to be used, and the equipment to be installed.  Be sure there is a schedule of payments and a timeline for when the work will be completed.  Get any agreement in writing.  Read the contract carefully, and if you don’t understand every word, take it to an expert.   Any changes that occur during the construction project should be noted in writing.  
6. Down Payment – the down payment you pay for work to begin should be minimal.   Beware of a contractor who is asking for a large payment so that they can purchase the materials to begin the project.
7. Monitor your Job in Progress – If possible, check in regularly on the progress of the work.  Any and all permits should be displayed by the contractor while the work is being done.
8. Don’t make the final payment until the job is Complete.
9. Keep all paperwork related to your job.  This includes the contract, any written changes, all bills & invoices, receipts of payments, and all correspondence with your contractor.  You should also include photos of the job in progress.

During construction, if you feel that something is not right, and you cannot work it out with the contractor check the FEMA Disaster Fraud Hotline at 866-223-0814.  You can also report any suspected fraud to the Better Business Bureau.

Source:  fema.gov/fact-sheet/tips-hiring-contractor-home-repair