The DIY Dilemma
Thinking of a Summer Renovation?
What to Ask Your Contractor Before They Start
As the New England winter finally fades into the rearview mirror, many homeowners feel that familiar itch to start a renovation project. Whether itâs a new deck for summer hosting, a kitchen refresh, or a long-awaited siding update, the warmer months are prime time for home improvements.
DIY vs. Contract Out:Â Many homeowners face the “DIY Dilemma”: Is this a project I can handle myself, or is it time to call in a professional? While tackling a project solo can be tempting, larger renovations often require a pro to ensure the job is done safely and to code. There’s always the possibility to do a combination of both as well!
If you decide to hire out, your first priority isn’t the color of the paint or the style of the cabinetsâitâs vetting the person doing the work.
Your Contractor Checklist: Before the Hammer Swings
Before you sign a contract or hand over a deposit, use this checklist to ensure your home and your finances are protected.
Verify Licenses: Ensure the contractor is licensed specifically for the type of work they are performing in your state. A license is a baseline for professional accountability.
Check Recent References: Donât just look at online reviews. Ask for three references from projects completed in the last 12 months. Ask the homeowners if the project stayed on budget and if the job site was kept clean.
Inspect the Site Safety Plan: Ask how they manage debris, where they store tools, and how they secure the site at the end of the day. A messy site is a liability for your family and neighbors.
Get It In Writing: Every detailâfrom the timeline to the specific materials being usedâshould be in a signed contract.
The Insurance Safety Net: Builderâs Risk and Liability
One of the most overlooked parts of a home renovation is the insurance coverage behind the scenes. When a contractor is on your property, the lines of liability can get blurry if you aren’t prepared.
1. General Contractor Liability: Before work begins, ask for a Certificate of Insurance (COI). You want to ensure your contractor carries General Liability Insurance. If a worker is injured on your property or if the contractor accidentally causes a fire or water damage, their policy should cover the costs. Without this, youâthe homeownerâcould be held liable for medical bills or structural repairs.
2. Builderâs Risk Insurance: While your standard Homeowners Insurance is vital, it may not fully cover a home that is “under construction.” Builderâs Risk insurance is designed to protect the structure while it is being built or renovated. It covers risks like theft of materials (like those expensive windows sitting in your driveway) or damage from wind and fire during the construction phase.
Protecting Your Investment
A renovation is an investment in your homeâs value and your quality of life. Donât let a lack of paperwork turn a dream project into a legal or financial nightmare. Contact your Slawsby Insurance Team today if you have any questions.
Before the first nail is driven, give us a call. We can review your current policy and ensure you have the right coverage in place to keep your New England home protected all summer long.
