Paving The Way: The Benefits of Hiring Licensed and Insured Contractors for Your Project

Tackling home improvement projects can be exciting, but selecting the right contractor is vital. Don't just go with the cheapest option or someone recommended by a friend of a friend. Hiring a licensed and insured contractor is crucial for several reasons:

#1 - A Proven Track Record of Quality and Commitment to Obligations

Licensed contractors have proven their knowledge and skills through examinations and experience. This ensures your project adheres to building codes and is completed to a professional standard, saving you from costly repairs down the road.

#2 - Financial Protection (and Avoiding Scams):

Accidents happen, and even well-intentioned contractors can make mistakes. A licensed and insured contractor carries liability insurance and worker's compensation. This protects you from being financially responsible for property damage, worker injuries, or potential lawsuits. While you want to think the best of people, there are unfortunately those who seek to take advantage and capitalize on unsuspecting homeowners.

Don't risk your safety or investment by hiring an unlicensed contractor. Choose a licensed professional who is committed to quality workmanship and adheres to all safety regulations.

#3 - Legal Compliance

Licensed contractors know and follow local building codes and permit regulations. This ensures your project won't get shut down by inspectors and protects your home's value at resale. If you ever sell your home and the contractor didn't pull the proper permits, it may hold up your sale. Unlicensed contractors cannot obtain the necessary permits.

#4 - Recourse in Case Disputes

If something goes wrong with a licensed and insured contractor, you have legal channels and support from your state's licensing board to resolve the issue. With an unlicensed contractor, you may have little to no protection.

#5 - Your Safety and Security

While a license doesn't guarantee safety, reputable contractors often perform background checks on their employees. Ask about their policies and consider requesting a check if safety is a top priority, minimizing the risk of someone with a questionable background being in your home.

The Bottom Line - Trust but always VERIFY....

Hiring a licensed and insured contractor isn't a luxury; it's an investment in the quality, safety, and long-term value of your home. Don't be swayed by the cheapest option or vague claims of "combined experience." Verify that the contractor themself has the relevant experience for your project, not just the combined years of their entire crew. If a contractor claims 20 years of experience but started working right out of high school, it's likely an exaggeration.

Take the time to ensure the person you hire has the proper credentials, experience, and insurance to get the job done right. It's a decision you'll be glad you made for the peace of mind and protection it provides throughout the project and for years to come.

Here are some resources for Homeowners:

Delaware: https://www3.newcastlede.gov/contractorlicense/search/

Pennsylvania: https://www.dli.pa.gov/ucc/Pages/Contractor-Licensing.aspx

Maryland: https://www.labor.maryland.gov/license/mhic/