How to Deal With Contractors

Not everyone is aware of how to deal with contractors. Imagine that your Home Improvement Loan has been granted. What do you do next? Do you rush out and find the first available contractor and offer them your cash? Not a good move.

Whether you're planning an addition for a growing family or simply getting new double-glazed windows, finding a competent and reliable contractor is the first step to a successful and satisfying home improvement project. Take your time to consider all your options. Do not rush into any agreement that you may later regret.

Your home may be your most valuable financial asset. That's why it's important to be cautious when you hire someone to work on it. Home improvement contractors often advertise in newspapers or the Yellow Pages. However, don't consider an advert to be an indication of the quality of a contractor's work. Your best bet is to find a contractor that has been used successfully by friends, family or colleagues. Get written estimates from several firms. Don't automatically choose the lowest bidder.

Above all, be wary of contractors who will:

solicit door-to-door

offer you discounts for finding other customers

just happens to have materials left over from a previous job

only accept cash payments

does not list a business number in the local telephone directory

pressure you for an immediate decision

offer exceptionally long guarantees

ask you to pay for the entire job up-front

Interview each contractor and ask:

How long have you been in business?

How many projects like mine have you completed?

Will my project require a permit?

May I have a list of references?

Will you be using subcontractors on this project?

What types of insurance do you carry?

Talk with some of the contractor's former customers and ask:

Can I visit your home to see the completed job?

Were you satisfied with the project?

Was it completed on time?

Did workers show up on time?

Did they clean up after finishing the job?

Would you recommend the contractor?

Would you use the contractor again?

You should not start any project without having a contract in place. A contract spells out the, who, what, where, when and cost of your project. The agreement should be clear, concise and complete. Before you sign a contract, make sure it contains:

The contractor's name, address, phone nubmer

The payment schedule for the contractor

An estimated start and completion date

How change orders will be handled

A detailed list of all materials

Warranties covering materials and workmanship

What the contractor will and will not do

Keep all paperwork related to your project in one place. This includes copies of the contract, change orders and correspondence with your home improvement professionals. You also might want to take photographs as the job progresses. These records are especially important if you have problems with your project - during or after construction.

Before you sign off and make the final payment check that:

All work meets the standards spelled out in the contract.

You have written warranties for materials and workmanship.

The job site has been cleaned up and cleared of excess materials, tools and equipment.

You have inspected and approved the completed work.

You may freely reprint this article provided the author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

In The News:
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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://articles.lancasteronline.com/local/4/230427cid=0ei=U_clSa3sM6iY6APvnKmhAgusg=AFQjCNFOXwhLFGf_bDbh_sjnG6DzFP58WwTHE GOODS ON bHOME IMPROVEMENT/b: A sturdy shovel for winter#39;s fury/abrfont size=-1font color=#6f6f6fLancaster Newspapers (registration),nbsp;PAnbsp;-/font nobr7 hours ago/nobr/fontbrfont size=-1By ALAN J. HEAVENS / McClatchy-Tribune, Correspondent It#39;s never too early to think about snow removal — more than a few flakes fell in the Poconos recently b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.ledger-enquirer.com/living/home/story/516062.htmlcid=1272575338ei=U_clSa3sM6iY6APvnKmhAgusg=AFQjCNFOoZlAO1bu7IJhk3009lHEBEqY0QbHome improvement/b Qamp;A/abrfont size=-1font color=#6f6f6fColumbus Ledger-Enquirer,nbsp;GAnbsp;-/font nobr8 hours ago/nobr/fontbrfont size=-1(Want Alan J. Heavens#39; advice on a bhome/b-bimprovement/b project or purchase? E-mail him at aheavens@phillynews.com or write to him at The Inquirer, Box 8263, b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.wisbusiness.com/index.iml%3FArticle%3D141950cid=1272350481ei=U_clSa3sM6iY6APvnKmhAgusg=AFQjCNHLfNwPr6QH4n_gF8uqNCTyB9n4RQAG Van Hollen: bHome improvement/b company and owner charged with b.../b/abrfont size=-1font color=#6f6f6fWisbusiness.com,nbsp;WInbsp;-/font nobrNov 19, 2008/nobr/fontbrfont size=-1The complaint alleges that in November, 2005 defendants entered into a $55250 bhome improvement/b contract with a Menasha couple promising, among other things, b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/Economic-Downturn-Sparks-New-Home/story.aspx%3Fguid%3D%257BA60EF71D-11CC-45D5-A243-571D710137FC%257Dcid=1271847964ei=U_clSa3sM6iY6APvnKmhAgusg=AFQjCNGLcROiXyRt1vEOsAcaKEEuU7yJUAEconomic Downturn Sparks New bHome Improvement/b Trend/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobrNov 18, 2008/nobr/fontbrfont size=-1With the harsh reality of uncertain economic times, and the average consumer shouldering $10000 or more in credit card debt, a new trend in bhome improvement/b b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.ibtimes.com/prnews/20081120/the-bon-ton-stores-inc-announces-third-quarter-fiscal-2008-results.htmcid=1272543844ei=U_clSa3sM6iY6APvnKmhAgusg=AFQjCNFRvONuHnkUC5v_JUgCtSN3B5tiywimg src=http://news.google.com/news?imgefp=wmq39yXIZrQJimgurl=www.ibtimes.com/data/prnews/23878.jpg width=55 height=80 alt= border=1brfont size=-2International Business Times/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/Raven-Industries-Announces-Higher-Sales/story.aspx%3Fguid%3D%257B1BA178E1-9C91-4BFA-B10D-494DE6691AF2%257Dcid=1272543844ei=U_clSa3sM6iY6APvnKmhAgusg=AFQjCNFKSFAG15kshN5mPCu7zMnRDLwXIQRaven Industries Announces Higher Sales and Earnings for Third Quarter/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobrNov 19, 2008/nobr/fontbrfont size=-1quot;These include lower levels of new bhome/b construction and bhome improvements/b negatively affecting our bed-control deliveries, and the loss of a significant b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.earthtimes.org/articles/show/the-home-depot-announces-third-quarter-results,626185.shtmlcid=1272543844ei=U_clSa3sM6iY6APvnKmhAgusg=AFQjCNFzMK3wLabXSlW75cRvDgFzE17e2gThe bHome/b Depot Announces Third Quarter Results/a font size=-1 color=#6f6f6fnobrEarthtimes (press release)/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://seekingalpha.com/article/107149-the-bon-ton-stores-inc-f3q08-qtr-end-11-01-08-earnings-call-transcriptcid=1272543844ei=U_clSa3sM6iY6APvnKmhAgusg=AFQjCNH87vfUn2WLLLuODK-GZFmTZ0GB0AThe Bon-Ton Stores, Inc. F3Q08 (Qtr End 11/01/08) Earnings Call b.../b/a font size=-1 color=#6f6f6fnobrSeeking Alpha/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.tmcnet.com/usubmit/-home-depot-declares-third-quarter-dividend-225-cents-/2008/11/20/3804232.htmcid=1272543844ei=U_clSa3sM6iY6APvnKmhAgusg=AFQjCNFD0N0pMW0km4JCiZ_nZup2vf2y9wThe bHome/b Depot Declares Third Quarter Dividend of 22.5 Cents/a font size=-1 color=#6f6f6fnobrTMCnet/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.streetinsider.com/Press%2BReleases/The%2BBon-Ton%2BStores,%2BInc.%2BAnnounces%2BThird%2BQuarter%2BFiscal%2B2008%2BResults/4181107.htmlcid=1272543844ei=U_clSa3sM6iY6APvnKmhAgusg=AFQjCNE3j5pwGMbswIa_tjtVkGxXurhB7wnobrStreetInsider.com (subscription)/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://seekingalpha.com/article/106898-semtech-corporationf3q09-qtr-end-10-26-08-earnings-call-transcriptcid=1272543844ei=U_clSa3sM6iY6APvnKmhAgusg=AFQjCNH1bDZCfsA99JEOLN3PRIzFwe1OZgnobrSeeking Alpha/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1272543844hl=ennobrall 515 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.canada.com/topics/technology/science/story.html%3Fid%3Db17acc1e-9c12-4d05-a2a6-c2996dbbc605cid=1268763125ei=U_clSa3sM6iY6APvnKmhAgusg=AFQjCNGopZNp6YEPyFjpas0S1hndJbpsSgimg src=http://news.google.com/news?imgefp=cJktSRkS07YJimgurl=a123.g.akamai.net/f/123/12465/1d/media.canada.com/reuters/olusscience_iptc/2008-11-17t012714z_01_btre4ag041k00_rtroptp_2_science-us-space-shuttle.jpg%3Fsize%3Dl width=80 height=80 alt= border=1brfont size=-2Canada.com/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3Das5cETuLwcJY%26refer%3Dhomecid=1268763125ei=U_clSa3sM6iY6APvnKmhAgusg=AFQjCNELypAbX8eCepkeLlEZ3YDDMZFxCwEndeavour Docks at Space Station on bHome/b-bImprovement/b Mission/abrfont size=-1font color=#6f6f6fBloombergnbsp;-/font nobrNov 16, 2008/nobr/fontbrfont size=-116 (Bloomberg) -- NASA’s space shuttle Endeavour docked with the International Space Station today just after 5 pm New York time on a bhome/b-bimprovement/b b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.youtube.com/watch%3Fv%3DEsZZUdzL-Vscid=1268763125ei=U_clSa3sM6iY6APvnKmhAgusg=AFQjCNGfNxc7IuAJlN3kDxPuu9f6cwTxDgVideo: Space Shuttle Endeavour Blasts Into Night Sky/a font size=-1 color=#6f6f6fnobrAssociatedPress/nobr/fontobject width=448 height=356param name=movie value=http://www.youtube.com/v/EsZZUdzL-Vs/paramparam name=wmode value=transparent/paramembed src=http://www.youtube.com/v/EsZZUdzL-Vstype=application/x-shockwave-flashwmode=transparentwidth=448height=356/embed/objectbr/fontfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.spaceflightnow.com/shuttle/sts126/081113preview/cid=1268763125ei=U_clSa3sM6iY6APvnKmhAgusg=AFQjCNGHRHZ88E_LpUO9CGuGfD_6A3EMMwEndeavour to launch on #39;bhome improvement/b#39; flight/a font size=-1 color=#6f6f6fnobrSpaceflight Now/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://en.rian.ru/world/20081117/118345969.htmlcid=1268763125ei=U_clSa3sM6iY6APvnKmhAgusg=AFQjCNEBP2WvI8l2ixleTn4080wx-eCU3QShuttle Endeavour docks with ISS on #39;bhome/b-bimprovement/b#39; mission/a font size=-1 color=#6f6f6fnobrRIA Novosti/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://news.theage.com.au/world/shuttle-endeavour-set-for-home-improvement-mission-20081115-67gz.htmlcid=1268763125ei=U_clSa3sM6iY6APvnKmhAgusg=AFQjCNHMW1O3MirNlmt8en1536iOHdIctgnobrThe Age/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://english.eastday.com/eastday/englishedition/node20676/userobject1ai3984608.htmlcid=1268763125ei=U_clSa3sM6iY6APvnKmhAgusg=AFQjCNFnAj5icG0pi-vZ1yybqjFYps0p6AnobrEastDay.com/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1268763125hl=ennobrall 5,713 news articles/nobr/a/font/div/font/td/tr/table
home improvement - Google News


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The style of your interior depends for a great part... Read More

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A Review of Popular Dehumidifier Products

There are at least two dozen brand names marketing dehumidifiers.... Read More

Buying Home Appliances The Smart Way

When you add up all the money that you can... Read More

When Is It Time To Call The Professional?

For most Do-It-Yourself (DIY) home project managers, the most difficult... Read More

Breaking Away from White Wall Paint

Paint is one of the most affordable and easiest ways... Read More

Strongly Scented Candles: Use your mouth, nose and eyes to tell

Triple scented, heavily scented, strongly scented - these are all... Read More