Homeowner Warning Guide

What to Look For

• Real shop you can visit
• Licensed and insured with TRUE workers’ comp that covers employees
• Employees, not just subs
• Written contract and estimate
• Fair payment terms (50% down only on replacements, balance after work)
• Service department for warranty & repairs
• Project manager who communicates
• Inspector who checks every job

Pro Tip: Call the contractor’s insurance company directly and ask: “Do they have employees covered
under this policy, and how many?” If the answer is zero, that’s a red flag.