Do It YourselferAre You Planning a Home Remolding Project Soon? Spring is the time when many homeowners start to think about, and plan for, various home remodeling projects. If you are thinking about updating your kitchen, putting on that new roof, or even landscape projects, it pays to do some pre-planning. Whatever the project, you need to protect yourself from the financial risks and hazards associated with a home remodel project. If you plan on hiring a contractor, you should consider these tips to help make sure your project is completed the way you want.
  • Ask friends for contractors they have used and with whom they were happy with the outcome.
  • Plan on permit costs from your local government.
  • Always ask the contractor for references.
  • Ask contractors about their experience with your specific project.
  • Make sure the contractor is licensed. You can usually go to the State Contractors Board for this information.
  • Provide the contractor with guidelines for working in and around your home.
  • Check local directories for recommendations. Yelp can be a good resource.
  • Be specific in your project; this would include type of products used and even brands you desire.
  • It is ok to get more than one bid.
  • The lowest price may not be the best quality.
  • Always have a written agreement with your contractor. It should include a timeline and competition date.
  • Never pay 100% up front. It is customary to pay one third down, one third as you go and one third upon completion.
  • Go visit other homes on which the contractor has worked.
  • Make sure the contractor has liability and worker’s compensation insurance. Your homeowner’s insurance will not cover the contractor or his work. If the contractor causes damage to your home, you will want their insurance to provide restoration. Ask for a certificate of insurance.
Since your home is your most valuable asset, you need homeowners insurance. It gives you financial protection if something unexpected happens to your home, theft, fire, a natural disaster, or other loss. At J.S. Edwards & Sherlock, we offer a wide variety of homeowners insurance plans that are custom designed to suit your needs. The result is an individualized policy that gives you the peace of mind and protection you need