Why Licensed Contractors Are Important

Making the decision to hire a contractor should be approached with careful research and consideration

. Hiring the right contractor requires a series of steps that will ensure that you get the best quality work once the project is completed. A licensed contractor provides the assurance that the person you are hiring is reputable, has met the requirements to practice in the state, and has an obligation to follow the legal guidelines in accordance with the state regulations. Additionally, a licensed contractor also carries liability insurance and workers compensation insurance, should a situation arise where these are required.

The type of contractor you hire will primarily depend on the work you need to have completed, as well as your budget. People hire contractors to complete many different jobs from new construction, renovation, and small home repairs. Even if the job is small, ensuring that your contractor is insured can save you a great deal in the long run. A contractor with a license shows that the contractor is willing to stand behind his or her work and take responsibility for all aspects of the project.

A contractor that holds a license ensures that the contractor has passed the state guidelines in construction. This is important regardless of the size of the project. Regardless of the reason or the scope of the job, hiring a contractor provides the insurance and the liability coverage should any issues arise during the project. If the project is being funded through a loan, it will be required that the contractor be able to show proof of licensing and insurance before your loan is approved by your financial lender.

Any reputable company will offer proof of licensing prior at the start of the job. If this is not offered prior to entering into any business arrangement, you should ask for credentials that show proof of license and insurance. These credentials show that the contractor has passed the state guidelines to perform certain work in that particular state. If the contractor is unable to provide proof of licensing and insurance, it is best to keep searching.

You want to make sure that you understand the scope of the general liability insurance held by your contractor. Ask for a copy of the policy to outline what this policy covers in terms of damages. Typically any injury or issue that is not covered by the liability insurance policy will become the responsibility of the insurance coverage of the homeowner. This will also be the case if you decide to use a contractor that is unlicensed. Using an unlicensed contractor is very risky to the homeowner.

Renovation projects go smoothly when you hire a contractor that can provide proof of skills and ability and has evidence that they are legally authorized to perform services. Although licensing ensures a certain level of skill and protection, it does not take the place of doing proper research before hiring any contractor.

by: Steve Juzefyk

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