Hiring a contractor for your home project is a big decision. To avoid surprises and ensure quality work, ask these important questions upfront.
Are you licensed and insured?
In Canada, licensing requirements vary by province. For example, in Ontario, contractors must have a Metro License to work in Toronto. In Quebec, an RBQ license is mandatory. Always ask to see proof of licensing and insurance. Verify these credentials directly with the issuing authorities to avoid potential scams.
Do you carry workers’ compensation insurance?
This protects you from liability if a worker is injured on your property. Without it, you could be held responsible for medical costs and lost wages. Request a certificate of insurance and verify it with the insurer.
What’s your experience with projects like mine?
Not all contractors specialize in every type of work. Ask about their experience with similar projects and request examples or references. A contractor with relevant experience is more likely to deliver quality results.
Will you be using subcontractors?
If so, ensure they are also licensed and insured. You should have the same level of confidence in subcontractors as you do in the main contractor.
Can I see a written contract?
A detailed contract should outline the scope of work, materials, timeline, payment schedule, and warranty. Avoid verbal agreements; they can lead to misunderstandings.
What’s the payment schedule?
Be wary of contractors requesting large upfront payments. A typical schedule is one-third upfront, one-third mid-project, and the balance upon completion. This structure helps protect both parties.
Will you obtain the necessary permits?
In many cases, the contractor will handle permits. However, it’s your responsibility to ensure they are obtained. Unpermitted work can lead to fines or complications when selling your home.
What’s your warranty policy?
A reputable contractor should offer a written warranty covering their work. Understand what is covered and for how long. This provides peace of mind in case issues arise after the project is completed.
Taking the time to ask these questions can help you hire a contractor who is qualified, reliable, and transparent. Remember, a professional contractor will appreciate your diligence and be willing to provide the information you need.
