Home upgrades might be needed to repair damage, improve curb appeal, or boost your family's comfort. To do that, you may need to hire a qualified contractor to complete the necessary renovations. Consider the following checklist when hiring contractors for home projects.

1. Investigate Potential Contractors

Carefully investigate each option whether it's a recommendation from a friend, neighbor, or one you found through an online search. Make sure to look at reviews online and their Better Business Bureau ratings to verify each contractor's reputation and expertise.

2. Interview Candidates

You may call potential contractors to assess the individual's expertise, availability, and professionalism. Or chat with them face-to-face to establish rapport and ask questions. Possible questions you might ask include:

• Can you provide references for completed projects like mine?
• Are you and your subcontractors licensed, certified, insured, and bonded?
• Will you obtain the building permits?
• What is your timeframe for starting and completing my project?
• How do you handle work scope or budget changes?
• What are your payment terms?
• Do you offer a warranty?
• How do you protect my home, belongings, and property?

3. Obtain Estimates

While you don't want to hire a contractor based on price, estimates can help you finalize your decision. When comparing estimates, review the scope of work to ensure the quote includes everything you need.

4. Verify Licensure, Certifications, Insurance, and Bonding

A contractor's licenses and certifications demonstrate that the individual has sufficient training for your project. Likewise, insurance and bonding protect you in case something goes wrong. So, ask potential contractors to provide these documents.

5. Create a Payment Agreement

Discuss the payment arrangement before you sign a contract. Commonly, homeowners make a down payment to cover materials, pay installments as work is completed, and write the final check when the project is finished. For additional protection, write checks payable to the company and don't pay the full amount upfront.

6. Follow Through to Project Completion

Whether you need a small home repair or a complete house renovation, knowing how to hire the best person for the job will give you peace of mind. In addition to following these tips, contact your local independent insurance agent to ensure you have the right coverage for a home project.