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Con Artist Prevention Tips
The con artist's philosophy is "the gullible were put on this earth to be gulled." In the past, con artists were usually referred to as con men. This is no longer the case as more and more women have become involved in con games and numerous...
Home Improvement Financing
Loans are the easiest way to finance your home improvement
projects. Financing is not difficult if you are working and you
are able to afford repayments on a loan. You don't have to be
squeaky clean to get credit anymore which is fantastic as...
Kitchen Renovation
A Kitchen renovation can take approximately eight weeks to complete, but of course that is if everything goes as planned. If you know anything about Murphy's Law then you know that something may not go as it was planned. Each kitchen that needs...
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In pursuit of the American dream more Americans than ever have selected to become homeowners. Throughout the years the desire to own a home has remained constant but the way we perceive the good American dream of property ownership has changed....
Stained Glass Can Add Elegance To Your Home
If there is one way to throw a new light on your home, it's through the stained glass you put in your windows. Whether you want to enhance old windows by replacing some of the panes, or are complementing the new Pella windows you've installed,...
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How to Deal With Contractors
Not everyone is aware of how to deal with contractors. Imagine that your Home Improvement Loan has been granted. What do you do next? Do you rush out and find the first available contractor and offer them your cash? Not a good move.
Whether you're planning an addition for a growing family or simply getting new double-glazed windows, finding a competent and reliable contractor is the first step to a successful and satisfying home improvement project. Take your time to consider all your options. Do not rush into any agreement that you may later regret.
Your home may be your most valuable financial asset. That's why it's important to be cautious when you hire someone to work on it. Home improvement contractors often advertise in newspapers or the Yellow Pages. However, don't consider an advert to be an indication of the quality of a contractor's work. Your best bet is to find a contractor that has been used successfully by friends, family or colleagues. Get written estimates from several firms. Don't automatically choose the lowest bidder.
Above all, be wary of contractors who will:
solicit door-to-door
offer you discounts for finding other customers
just happens to have materials left over from a previous job
only accept cash payments
does not list a business number in the local telephone directory
pressure you for an immediate decision
offer exceptionally long guarantees
ask you to pay for the entire job up-front
Interview each contractor and ask:
How long have you been in business?
How many projects like mine have you completed?
Will my project require a permit?
May I have a list of references?
Will you be using subcontractors on this project?
What types of insurance do you carry?
Talk with some of the contractor's former customers and ask:
Can I visit your home to see the completed job?
Were you satisfied with the project?
Was it completed on time?
Did workers show up on time?
Did they clean up after finishing the job?
Would you recommend the contractor?
Would you use the contractor again?
You should not start any project without having a contact in place. A contract spells out the, who, what, where, when and cost of your project. The agreement should be clear, concise and complete. Before you sign a contract, make sure it contains:
The contractor's name, address, phone nubmer
The payment schedule for the contractor
An estimated start and completion date
How change orders will be handled
A detailed list of all materials
Warranties covering materials and workmanship
What the contractor will and will not do
Keep all paperwork related to your project in one place. This includes copies of the contract, change orders and correspondence with your home improvement professionals. You also might want to take photographs as the job progresses. These records are especially important if you have problems with your project — during or after construction.
Before you sign off and make the final payment check that:
All work meets the standards spelled out in the contract.
You have written warranties for materials and workmanship.
The job site has been cleaned up and cleared of excess materials, tools and equipment.
You have inspected and approved the completed work.
You may freely reprint this article provided the author's biography remains intact:
About the Author
John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the www.directonlineloans.co.uk website.
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