Protecting Yourself Against Contracting Scams

The most common scams in construction, according to the Federal Trade Commission, are roofing, gutter cleaning, driveway paving, and furnaces; followed by chimneys, windows, electrical wiring, painting, tree pruning and pest extermination.  Con artists will usually solicit door-to-door, offer you a discount for finding him other customers, just "happens to have materials left over from a previous job", and is unavailable by phone except for an answering machine.  Also, be wary of contractors who tell you your job will be a "demonstration"; pressure you for an immediate decision; offer exceptionally long guarantees; and/or ask for full payment upfront.

If you hire a contractor:  Get a written estimate and contract that includes the contractor's name, address, telephone number, state license number, costs for products and labor, brand names of materials, model and stock numbers, whether the materials will be new, used, rebuilt or reconditioned, start-up and completion dates.  The contractor should also carry personal liability, workers compensation and property damage insurance.  The FTC allows you three days to cancel a contract signed in your home or at a location other than the seller's permanent place of business.

Lien laws may allow unpaid subcontractors and suppliers to "attach" your home through a "mechanics lien" so it is recommended that you withhold your final payment until you are satisfied with the work and have proof that the subcontractors (if any) and suppliers have been paid.  It is also recommended that you pay by check or credit card so that there is proof of payment.

Choose a reputable contractor, get references, and find out from friends and neighbors if they've had good or bad experiences with a particular contractor.  You may want to contact your local Building Official to see if the contractor has had complaints filed against them with the State.  It will be worth the extra time and effort.

If you are planning any construction projects, please be aware that the majority of these require a permit prior to the start of work.  We still have people installing fences, siding, sheds, etc., either without a permit or applying for a permit after the work is in progress.  A call to the Building Dept. (429-7703) could clear up any confusion about these requirements.  Remember:  If you or your contractor is caught doing work without a permit, your permit fee can be doubled.