How to Find (and Work With) the Right Contractor for Your Home Project

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Imagine this: you finally decide to update your bathroom. You find a contractor online offering a great deal. They finish the job, but when it’s done, the paint is streaky, the tiles are uneven and the light fixture hangs crooked. Now, you’re out thousands of dollars and stuck with a bathroom that leaves you unhappy.

Unfortunately, this happens more often than you might think. A 2023 study by JW Surety Bonds found that one in ten Americans has been a victim of a contractor scam. Whether you’re remodeling a kitchen, finishing a basement or adding a deck, finding the right contractor is key to protecting your home and your wallet.

To ensure your next project goes smoothly, check out these tips for choosing a trusted professional and red flags to avoid.

Step 1: Start With a Clear Plan

Before calling anyone, take time to define your goals, budget and timeline. What exactly do you want to change? How much can you spend? How soon do you need it done?
If your project is large, consider hiring an architect or designer first. They can help you create plans and compare contractor bids more effectively.

Step 2: Get Recommendations

Ask friends, family or neighbors who’ve had similar work done. Personal referrals are often the most reliable way to find a contractor who delivers quality results.

Step 3: Do Your Research

Check online reviews, look at social media pages and verify the contractor’s credentials. A trustworthy contractor should be licensed, bonded and insured. You can check with the Better Business Bureau or professional associations like the National Association of the Remodeling Industry of Greater Chicagoland to confirm their status.

Step 4: Ask for Proof of Work and References

Look at photos or visit completed projects, and ask for references. When you speak with past clients, ask how well the contractor communicated, stayed on schedule and handled any issues.

Step 5: Get Written Estimates

Ask at least three contractors for detailed written estimates, including materials, labor and timelines. Be cautious of bids that seem much lower than others. It could be a sign that they may hide surprise costs or cut corners on quality.

Building a Good Working Relationship

Once you’ve hired a contractor, communication is everything.

  • Set clear expectations early. Discuss goals, budget limits and timelines before work begins.

  • Get a written contract. It should outline the work, materials, costs, payment schedule and deadlines.

  • Stay involved. Check in daily or weekly and don’t hesitate to ask questions or raise concerns.

  • Be flexible. Surprises could be found behind walls or under floors. Having a small contingency fund helps you handle unexpected costs.

  • Show appreciation. Paying on time and expressing gratitude helps build a positive relationship while keeping your project on track.

Protect Yourself: Financial and Personal Safety

Renovations can be financially and physically messy. Protect yourself by taking these steps:

  • Ask for proof of insurance. Request a certificate listing you as “Additional Insured” to ensure you’re covered in case of accidents or damage.

  • Secure your space. Remove valuables from nearby rooms and limit access to areas outside the work zone.

  • Follow HOA or condo rules. If you live in a building, check with your board before work starts to avoid delays.

  • Know who’s in your home. Discuss when workers will be there and who will be present during the job.

Red Flags: How to Spot a Scam

Unfortunately, not every contractor operates in good faith. Be cautious if you notice any of these warning signs:

🚩 Unsolicited offers, which could include someone showing up at your door offering a “too-good-to-be-true” deal.
🚩 High-pressure sales tactics, like rushing you to sign a contract before you can check reviews.
🚩 No license, insurance or references.
🚩 No written contract.
🚩 Unusually low bids or requests for large upfront payments.
🚩 Poor communication or unprofessional behavior.
🚩 No physical address or multiple, confusing business names.
🚩 Negative online reviews or unresolved complaints.

The Bottom Line

A home renovation should add value and comfort, not stress. Take your time, do your homework and surround yourself with reputable professionals. And, when in doubt, your local REALTOR® is a great place to start. REALTORS® work with trusted contractors every day and can help connect you to experts who will protect your home and your investment.