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10 Questions to Ask a Contractor Before You Hire

The right questions make it easier to compare contractors, understand your estimate, and avoid surprises once the work starts.

By the American Home editorial team

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The short version
  • Ask every contractor the same questions, and ask for the answers in writing.
  • Compare itemized estimates for the same scope, not just the bottom-line number.
  • Confirm the license first, then insurance, permits, payments, and the schedule.

Ten questions that make estimates easier to compare

1. What is your CSLB license number, and does the license classification fit my project?

You can check the number on the state license board website. Our license check guide walks through it step by step.

2. Do you carry workers' compensation and general liability insurance?

A contractor with employees must carry workers’ compensation or have an exemption on file. Ask for certificates of insurance for general liability and workers’ compensation.

3. Who will do the work: your own crew or subcontractors?

If subcontractors are involved, ask who they are and whether they are licensed for their part of the job.

4. Will you pull the permits, and are inspections included in the price?

Many remodels need permits, and the rules vary by city. Ask who is responsible, and what happens if an inspection requires changes.

5. Can you give me an itemized written estimate?

An itemized estimate shows what is included and what is not, which materials are assumed, and which items are allowances. That is what makes quotes comparable.

6. What is the payment schedule?

For home improvement contracts, California limits the down payment to 10% of the contract price or $1,000, whichever is less. Ask how later payments are tied to progress, and get the schedule in the contract.

7. What are the start and completion dates, and what happens if the schedule slips?

Ask what could cause delays, such as material lead times or inspections, and how you will be told.

8. How are changes handled?

Changes to the scope often change the price. Ask that every change be written down and signed by both sides before the work happens.

9. Who is my day-to-day contact, and how often will I get updates?

Clear communication matters on a project that can last weeks or months. Agree on how you will be updated.

10. What warranty comes with the work, and is it in writing?

Ask what is covered, for how long, and who to call. Get it in the contract. Do not rely on a verbal promise.

How to compare quotes

Ask each contractor to price the same scope so the differences reflect the work and not different assumptions. Look at what is included, what is an allowance, what is excluded, and how change orders are handled. A low price with a vague scope often costs more later.

How The American Home Magazine fits in

We help you understand your project and what to expect, and we connect you with licensed local contractors. We verify the license of the contractors we connect you with, and we encourage you to ask these questions of every contractor you talk to.

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Sources: California Contractors State License Board. Rules can change, so confirm current requirements with CSLB before you hire.

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