ServiCover📌 Key Takeaway: Verify licensing and insurance, compare at least three detailed bids on the same plans, and tie payments to completed milestones rather than dates.
Vetting Checklist
- State or local license, verified online
- General liability and workers' compensation insurance
- Recent references for similar projects
- Who pulls permits and schedules inspections
- Written warranty on workmanship
What the Contract Should Include
- Detailed scope and materials list
- Start date and estimated completion
- Payment schedule tied to milestones
- Change-order process and pricing
- Lien waivers from subcontractors and suppliers
Red Flags
| Red Flag | Why It Matters |
|---|---|
| Large upfront payment | Risk of losing your deposit |
| No permits "to save money" | Can cause problems at resale and with insurance |
| Vague lump-sum bid | Leads to disputes and change orders |
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Get Free Quotes →Frequently Asked Questions
Should I pay a deposit?
A modest deposit is common. Some states cap it — check local rules.
What is a change order?
A written agreement to change the scope or price mid-project. Always get it in writing before work proceeds.
🔎 How we research: The ServiCover Editorial Team compiles prices and guidance from published 2026 cost guides, manufacturer information and industry sources. Prices are national ranges and vary by location, home and provider, so always compare written quotes. We don't perform the work ourselves, and we may earn a commission when you request quotes through our partners — see our Advertiser Disclosure.