Home Improvent projects can be a daunting challenge. Between permits, materials selection and hiring a trusted, reliable contractor many home owners don't know where to begin! At SAH Builders, South Jersey's most trusted builder, you relax and rest assured that we can help you from the planning stages to completion of your bathroom or kitchen remodel, basement finish, new deck or adding an addition to your home in the Cherry Hill / Marlton area of South Jersey.
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Are you considering hiring a contractor to perform work on your home, whether it be a bathroom/kitchen remodel, basement finish or a new addition in South Jersey? It's not always best to choose the cheapest quote you receive. Contractors are required to not only be licensed in the State they are working in, but they also must carry Workman's Comp & General Liability Insurances. Why? Good question - let me explain:
Licensed Contractors - when you hire a contractor that does not carry a state license, they are unable to pull the necessary permits that are required to perform renovations in your home. If these renovations are discovered by your local town inspectors - YOU would be responsible if these improvements do not meet township codes! You will be required to pay the cost of the permit at that time along with possible penalties! Also, if something happened and your Homeowner's Insurance company had to get involved, they may decide to drop all coverage and cancel your policy! Always ask for a copy of your contractor's current State License!
Insured Contractors - General Liability insurance protects YOU if your contractor causes damage to your home while performing renovations he was hired to do. Most likely, your Homeowner's Insurance plan will not cover you for these damages!
Workman's Comp insurance pays an employee's claim if that employee is injured at your home while performing renovations. If your contractor does not have Workman's Comp insurance, your Homeowner's insurance company might have to pay this employee's claim AFTER you meet your deductible!
SO, when you are interviewing contractors, don't choose the cheapest because you think it may be better financially! It could actually cost you MORE in the long run. The expense of these insurance policies are not cheap for any contractor, which is why their prices may be higher than others. Always, ask your contractor for a copy of their license and current insurance policies!
Wouldn't you rather be protected by a contractor that is fully licensed & insured than to take take the risk of trying to save a few dollars? I know I would!
2. Check Credentials
Do your research! Check the contractors' websites and social media sites. Are they licensed and insured? And is their information current? Go to BBB's website and verify their rating.
3. Meet Face to Face
Set up an appointment to meet your contractor. Get a comfort level with this person/company. Ask questions!! A contractor should be able to answer your questions satisfactorily and in a manner that puts you at ease! Ask to see previous projects.
4. Get estimates
Don't let price be your guide! The lowest bid is not always the best! Comfort and trust should play a greater role in your decision.
5. Get It In Writing
Review all documents provided by your contractor. Make sure all information is listed properly and all necessary documents are provided.
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