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For any service over $200, get at least three written quotes before committing. Prices for the same service can vary 40–60% between providers in the same city. The lowest quote isn't always the best — look for the most detailed scope of work.
For trades (electrical, plumbing, HVAC, roofing), verify the contractor holds a current state license and carries general liability + workers' comp insurance. Ask for the certificate of insurance directly — not just a verbal confirmation.
Cost quotes often exclude materials, disposal fees, permits, or travel charges. Always ask "is this the all-in price?" before agreeing. Get the full scope in writing, including what happens if additional work is discovered during the job.
Standard practice: 25–30% deposit to start, remainder on completion. For large projects, milestone payments tied to completion stages are normal. Any contractor demanding full payment before work begins is a red flag.
Read reviews on Google, Yelp, and the BBB — not just the company's own website. Look for patterns in negative reviews, not just the star rating. A 4.2 with 200 reviews is often more trustworthy than a 5.0 with 8 reviews.
Most home services are 10–20% cheaper in off-peak periods. HVAC in fall, landscaping in late summer, painting in winter. Ask providers when their slow season is — many offer genuine discounts to fill their schedule.
Electrical, plumbing, structural, and HVAC work typically requires permits. Unpermitted work can cause problems when selling your home and may void your homeowner's insurance. A reputable contractor will pull permits themselves.
Labor costs vary significantly by region — services in California, New York, and Hawaii often cost 30–60% more than the national average. Rural areas may see lower labor costs but higher travel fees for specialized services.
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