1. Verify Licensing & Insurance
In Maryland, contractors must have a Maryland Home Improvement Commission (MHIC) license:
- Check MHIC license: Verify at mhic.maryland.gov
- Confirm insurance: Request proof of liability and workers' compensation
- Check references: Contact at least 3 recent customers
2. Questions to Ask
Essential Questions
- • How long have you been in business?
- • Can you provide references from recent similar projects?
- • Who will be working on my project?
- • What is your timeline for completion?
- • How do you handle change orders and unexpected issues?
- • What is your payment schedule?
- • What warranties do you provide?
3. Red Flags to Avoid
- No license or insurance: Never hire an unlicensed contractor
- Pressure to sign quickly: Legitimate contractors don't rush decisions
- Large upfront payment: Never pay more than 30% before work begins
- No written contract: Always insist on a detailed written agreement
- Cash-only payments: Legitimate businesses accept checks or credit cards
4. Contract Essentials
Your contract should include:
- • Detailed scope of work and materials
- • Start and completion dates
- • Payment schedule tied to milestones
- • Change order procedures
- • Warranty information
- • Cleanup and disposal responsibilities
- • Permit information