Contractor Selection

Consumer complaints about home improvement contractors now top the lists of all consumer complaints.

Some states regulate home improvement contractors, but many don't. Some states have strong consumer protection services. But, many state budgets these days can't offer much in the way of protecting consumers - especially after the damage has been done.

That's why it is so important to approach hiring a home improvement contractor in a way that will help prevent potential problems, rather than hiring haphazardly and hoping for the best.

Here are the top 5 steps you can take to help protect your interests when hiring:

1. Know your state's laws regarding contractor licensing and insurance.
2. Never hire a home improvement contractor without screening their reputations, years in business, licenses, and references, no matter where you heard about the company.
3. Never agree to pay more than a token deposit in advance for work.
4. Know exactly what should appear in a good contract, or have your contract reviewed prior to signing.
5. Never make final payment 'on substantial completion'. Hold at least 15% back for payment when the last punch list item has been completed.

The home improvement bug hits many homeowners hardest in the Fall of the year. It's a prime time to make improvements that will reduce energy bills during the winter months, for instance. You may have been waiting for summer to end to put on an addition. Or maybe you're preparing to spiff-up the exterior prior to selling. Whatever the motivation for making improvements, you will be probably dealing with one or more home improvement contractors. This is a good time to brush up on your homeowner-contractor skills. The ancient adage, 'Caveat emptor' (Let the buyer beware) is never more true than when making home improvements.

Richard J. Roll, Founder and President of the American Homeowners Association (AHA) has helped over 1 million homeowners in all 50 states save money on buying and maintaining their homes. For more tools, information and resources to help you maintain your home and instantaneously save money go to http://www.ahahome.com for a special offer from AHA.

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