The difference matters enormously — both for the quality of work and your legal protection if something goes wrong. Here's exactly how to vet a contractor before signing anything.
Step 2: Verify Insurance
Request certificates of insurance showing:
- General liability insurance — covers property damage and injury on your property
- Workers' compensation — if a worker is injured on your property without this, you could be liable
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📅 Get a Free EstimateStep 3: Get Written Contracts
New York State law requires home improvement contracts to be in writing for projects over $500. Your contract should include:
- Detailed written scope of work (not vague like "bathroom renovation")
- Materials specification (brand, model, or grade)
- Total price and payment schedule
- Start date and estimated completion date
- Process for change orders
Red flag: Any contractor who asks for full payment upfront. In New York, a deposit of 10-30% is reasonable. The rest should be tied to project milestones, with the final payment (10-15%) held until after the final walkthrough.
Step 4: Check References
Ask for 2-3 references from projects completed in the last 12 months — similar in scope to yours. Call them. Ask: Did they finish on schedule? Was the price accurate? Would you hire them again?
What to Watch Out For
- Pressure to sign immediately or "lose the price"
- Cash-only requirements
- No physical business address