Most contractors are reputable, but there are some dishonest contractors. While it’s important to generally trust your contractor in your home, you should always exercise caution and do thorough due diligence before letting anyone work inside or outside your home. Taking necessary precautions will protect your household and your property.  

Here are some key steps to take:  

Make sure the contractor you hire is legitimate. Search for the individual and/or company online and read reviews. Find out if there are complaints against the contractor with the Better Business Bureau.  

Don’t pay in full upfront. Avoid paying large upfront deposits and instead opt for a payment schedule tied to project milestones. Pay with a check or credit card to leave a record of your payments. Get an invoice and a receipt.   

Get multiple quotes. Compare quotes from at least three different contractors to ensure you’re getting a fair price.  

Check licenses and insurance. Verify the contractor is properly licensed and insured. Visit dora.colorado.gov/check-a-license 

Get a written contract. The contract should include every task and repair the contractor plans to make. It should also include start/finish dates and prices for repairs and materials. 

Don’t sign a contract without thoroughly reviewing all terms and conditions. 

Obtain the contractor’s essential business information. Before making a hire, get: 

• The contractor’s identification with their name and business name. 
• A copy of the contractor’s business license. Make sure it’s not expired.   
• A copy of the contractor’s proof of liability insurance. Make sure it shows the person or company’s name, phone number, and policy number. Call the insurance company to verify the coverage. 
• A copy of the contractor’s proof of workers’ compensation insurance.   

Ask for references. Contact past clients to inquire about the quality of work, communication, and overall experience. Review their past work if possible.  

When might trust be a concern? 

• Unwillingness to provide references 
• Lack of proper licensing or insurance 
• Unusually low bids 
• Uncomfortable behavior 
• Lack of transparency 
• Requesting a large upfront payment 

For more information or if you feel you have been a victim of contractor fraud, please call the Police Department at 303-799-0533.