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Make sure you're not tempted by the cheap contractor with no fixed address that doesn't offer a professional contract and tries to encourage you to pay cash for a discounted price. This type of shady transaction involves too many risks and pitfalls on your end of the deal that is sure to offset any savings you might find. [url=http://www.batfriendtrust.it]scarpe hogan[/url] Contractors that insist on being paid in cash may be unlicensed and uninsured.
Without any written contract, your cash advances are unprotected and it is very hard to prove what has been paid for if there are any disagreements in the future. The contractors could neglect to get the required permits or inspections and product warranties may not be valid if they are installed by an unrecognized contractor. Just because the person calls himself a contractor, it doesn't mean the material manufacturers will recognize that person as a company and cover the material warranty. Also in 1 year or possibly 5, when you have warranty issues to address, it will not be likely that you will be able to find or contact the person you paid with no fixed business address to reference. What good is their warranty if they're not around to cover it?
What if the contractor or their workers get hurt?
An underground contractor can create health and safety [url=http://www.lotogame.fr/hollisterfrance.php]hollister pas cher[/url] problems from inadequate training. If one of the contractor's crew is improperly trained and is injured on the job, damages your property or a neighbour's property, your homeowner's insurance policy might [url=http://www.reedlawky.com/hollisterde.php]hollister[/url] not cover you and you could be personally liable.
Prior to hiring a contractor for any job on your property, you must ensure that they carry at least $2 million liability and provide you with a valid copy of their insurance. This could change your life if you don't take these steps and someone gets hurt on your property. It hardly makes the savings of using an underground contractor worth while.
About Insurance
Equal in importance to the contractors' abilities and skills is their insurance coverage. It's important to make sure the contractor has workers' compensation and third-party [url=http://bloggergo.com/5-reasons-why-wordpress-is-the-best-blogging-platform/#comment-79653]Improve your academic capabilities with a math tutor New York - written by Hugh Goldsmith[/url] liability insurance for all the people on the [url=http://www.reedlawky.com/hollisterde.php]hollister online shop[/url] job and damage that they might cause. You must ask the contractor for a copy of their insurance at the quoting process. If the company you are dealing with [url=http://www.golfwithashotgun.co.uk]barbour by mail[/url] is interested in your project and they have valid insurance, there will be no problems providing you with a copy. Prior to signing any contracts with the contractor, [url=http://www.accrh.fr]doudoune moncler[/url] you need to call their insurance agent and verify that the insurance is valid. This simple step could save you thousands down the road and needs to be looked at as part of the renovation process.
Your liability coverage is also important during a home renovation. Your current insurance policy may cover you during a project done by a contractor but you should advise your insurance provider of any home improvements ahead of time. However, if you are acting as the general contractor and employing the trades people, your policy may not cover you and it's best to check with your insurance company for temporary coverage for the home improvement project.
What if we make a cash deal?
A cash deal may leave you with no legal recourse if your project goes wrong, the work isn't to your satisfaction, or the contractor walks off the job without finishing it.
In fact, when you pay with cash it makes it difficult for you to prove the contractor was ever there. After the work is completed you're still not in the clear. After you have paid the contractor, you might find that the materials haven't been paid for or the workers haven't been paid and you are responsible for the bills. For your protection and peace of mind - always get the work in writing.
The legal contract
A detailed written contract between you and the company you plan to hire is essential to any work you plan on hiring a contractor for, no matter how small of job you have.
Completion Certificate
When your home renovation project is completed, the contractor might ask you to sign a certificate of completion. Prior to signing this contract you need to thoroughly inspect the work [url=http://www.lotogame.fr/louboutin-pas-cher/]louboutin pas cher[/url] and ask any questions about concerns you might have.
If the contractor has any minor repairs or final touches to do, you should note this and if appropriate, hold back on a portion of the payment until the outstanding work is completed. Professional contractors almost always offer a warranty on their work and will come back if something goes wrong.
Holdbacks of payment
There are three types of holdbacks that may pertain to your home renovation project.
Builders Lien Holdback - This kind of [url=http://www.riad-marrakesh.fr]www.riad-marrakesh.fr[/url] holdback is intended to provide the homeowners with protection should subcontractors or suppliers place liens against the property to secure payment for the work performed if they have not been paid by the general contractor for their services. At certain times the general contractor will arrange for these funds to be held in trust by a lawyer. In a situation where there are no subcontractors or suppliers involved with the project, this requirement will not apply.
Deficiency Holdback - When a project is complete but there are still a number of minor issues to correct, it is standard procedure to hold back a reasonable amount of money to cover the cost for these items. Once the work has been completed the final payment is then forwarded to your contractor.
Seasonal or Delivery Holdback - Depending on the time of [url=http://www.afscme258.org/#comment-188459]Try your luck in slot games - written by Jacob Dunner[/url] year that you are renovating or building, your project may not be suitable to complete due to weather and temperatures outside. In these situations, it is standard procedure to hold back payments equaling the cost of [url=http://www.batfriendtrust.it/category/hogan-outlet/]Hogan Outlet[/url] the items remaining to be completed.
Consider your contractor's needs and responsibilities
Once your project is under way you will see a lot of your contractor and crew, most often [url=http://www.tesangay.com/barbour.php]barbour online shop[/url] your project will turn out better if you have mutual respect and co-operate. Ensure you talk with the contractor so you understand what is going on and what they might need from you. Some of the contractor's requests might be as simple as leaving the driveway open for material to be delivered, or to have some of your personal property moved or put in a safe place to prevent any damage.
A legal contract can cover most issues but disputes can and occasionally do arise for any number of reasons. It is best to first sit down with your contractor and talk about the issues in the same manner you would expect someone to talk with you in your work place. You may find that you can work your issues out and continue with the work to be completed in a timely manner. If you cannot solve your dispute and the legal contract doesn't cover your issue, architects and construction arbitrators are often used to settle any disputes, but this will often cost you more money.
As a last option and when things can't be resolved, you have the option to cancel the contract. This is why it is wise to include a termination clause in your contract to cover these issues. You will likely have to pay a percentage of agreed amounts to get out of the deal as agreed in the cancellation penalty or termination clause within your contract.
If you [url=http://www.sandvikfw.net/shopuk.php]hollister outlet sale[/url] feel that some of the work completed is not to local building standards, you can report it in writing to the appropriate inspection department, with a copy to your contractor. In the case you are correct and the work isn't to local building code, the contractor should have to correct the work at their expense.
Consumer Protection Laws
There are laws that protect the consumer. Provincial and territorial consumer affairs or consumer relations normally take care of consumer protection laws for home improvements. In most cases these officers can help you resolve any problems [url=http://www.paperdriver.co.jp/cgi-def/admin/C-002/pds-bbs/visit/main.pl?PAGE_NUM=1%20Result:%20chosen%20nickname%20Roxboei56;%20success;%20BB-code%20not%20working;]louboutin pas cher Vitamin Wa[/url] you have with the contractor that did your home improvements. Sometimes a phone call can be enough, but a letter detailing the problems with your home improvement and business issues you have had with your contractor will be required.
After your case has been assessed the consumer [url=http://www.reedlawky.com/hollisterde.php]hollister deutschland[/url] protection authority may send a local building inspector to examine the work. The inspectors report may be sufficient enough to settle the dispute; the power of a government consumer protection office is a strong incentive for the contractor to settle the dispute. If the report isn't enough to settle the issue and legal [url=http://www.ennenne.it]moncler[/url] action is required, the consumer protection office can give you further advice and assistance.
If legal action is required, your case can be heard in a small claims court, and the decisions are binding.
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Get your home renovation contract in writingArticle Summary: Make sure you're not tempted by the cheap contractor with no fixed address that doesn't offer a professional contract and tries to encourage you to pay cash for a discounted price. This type of shady transaction involves too many risks and pitfalls on your end of the deal that is sure to offset any savings you might find. Contractors that insist [url=http://www.chu-forex.fr/hollister.php]hollister france[/url] on being paid in cash may be unlicensed and [url=http://www.diecastlinks.co.uk]hollister uk[/url] uninsured. Learn about some of the finer points about getting your home renovation contract in writing.
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