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How to find a contractor without getting ripped off

Most people find a contractor by asking around. If you just moved, rent, or are handling it for a parent, you may not have anyone to ask. Here's how to do it right anyway.

Check the license

In New York City, plumbers and electricians are licensed by the Department of Buildings, and home improvement contractors by the city's consumer protection agency. Nassau, Suffolk and Westchester license home improvement contractors at the county level. Ask for the number and look it up on the agency's website.

Ask for proof of insurance

A real contractor can send a certificate of insurance the same day. If they stall, move on.

Get it in writing

Scope, price, start date and what happens if they find more work. A text message counts. A handshake doesn't.

Pay safely

• Never pay the full amount up front.
• Pay by card or through an app that holds the money until the work is done.
• Don't make the final payment until you've walked the job.

Walk the job before you pay

Look at the work with the pro standing there. Run the water, flip the switch, check the cleanup. This one habit prevents most disputes.

Common questions