Spring projects are right around the corner, and many homeowners and business owners will be hiring contractors for repairs, renovations, or improvements. While most contractors are reputable, choosing the wrong one can lead to costly issues, delays, and even insurance complications.
Before you sign a contract, here are 8 red flags to watch for when choosing a contractor:
1. No proof of insurance
A contractor should be able to provide current proof of liability and workers’ compensation coverage.
2. Requests full payment upfront
Large deposits—or full payment before work begins—can be a warning sign.
3. No written contract or vague details
You should always have a clear, written agreement outlining scope, cost, and timeline.
4. Pressure to make quick decisions
Reputable contractors don’t rush you or use scare tactics to secure the job.
5. Extremely low estimates
If a quote seems too good to be true, it often is. Low bids can lead to shortcuts or added costs later.
6. Unwilling to pull permits
If permits are required and the contractor avoids them, that’s a red flag.
7. Poor or no references
A reputable contractor should be willing to share references or examples of past work.
8. Asking you to cover damage through your insurance
If a contractor suggests filing a claim for damage they caused, it could create problems for you later.
Choosing the right contractor helps protect your property—and your insurance coverage. If you’re planning a project and have questions about how it could impact your insurance, we’re happy to help.
Before your project gets underway, contact the Strickler Agency team for guidance and peace of mind.
This message is for general informational purposes only and does not alter policy coverage. Coverage is subject to policy terms, conditions, and exclusions.
