Page 25 - AAA Every Day – AAA Hudson Valley – July/August 2020

Tips for
Selecting a Home Contractor
If there are things you are considering updating fees involved. The repercussions can be severe. Fines,
in your home, the thought of enjoying the fruits of a remodel is exciting. Keep in mind, though – it is essential to find a trustworthy, reliable contractor with reasonable prices for the work. This can be daunting and overwhelming. Here are some pointers to help find the contractor best for you:
Chat with your neighbors about the work they have had done to their homes with help from a contractor. Have them show you the work so that you can see the quality first-hand. Ask about their experience. You also can talk to a local real estate agent, coworkers, friends and family to get recommendations. Ask to see pictures of any work done if you cannot see the completed project in person.
Do your homework. Once you have a few names, spend some time researching the person or company. The internet is a great place to search for reviews or news articles. Look for the Better Business Bureau logo, or visit BBB.org. The BBB is a nonprofit organization that ranks businesses and offers consumer insight into a company’s public dealings, including if and when
any complaints were received from the public. As part
of your preliminary prep, be sure to contact your local building and code office. Your contractor should know the local laws; nevertheless, it’s good to know for yourself. The last thing you need is to unknowingly break any zoning ordinance or building codes and incur any
demolition of the work completed and penalties could far exceed the cost of the original permit.
Don’t put all your eggs in one basket and be specific about your needs. Always get at least two
to three estimates from different contractors. Different contractors have different viewpoints and often, it is directly tied to experience. Someone might point out something you did not see the first time. References are critical, so don’t be afraid to ask for them in addition to proof of business and liability insurance, driver’s licenses and license plate numbers of their vehicles for your records. Have a clear description and a list of specific items ready for what you expect to have completed when the job is done. This leaves little room for error.
Contract is key. A rule of thumb for a down payment
is 10% upfront or a maximum of $1,000, whichever
is more. New York State law requires a contractor to provide a written contract for home improvement work. The contract should include a timeline for work to be completed, a payment schedule and as many specifics as possible about the project, such as types and brands of materials being used.
Update things on your end. Be sure to contact your home insurance company to inform them of any additions or remodeling you have had completed. For more information, contact your AAA Hudson Valley Insurance Agent at 518-649-1717 or visit AAA.com/Insurance.
Eman Badr is a Certified Professional Insurance Agent and Manager of AAA Hudson Valley Insurance Agency.
JULY/AUGUST 2020 I 25
INSURANCE NEWS
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