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The 9-Question Checklist Before You Hire Any Contractor

Editorial Team·April 14, 2026·9 min read

License, insurance, payment schedule — and the one question almost no homeowner asks.

Most bad contractor experiences could have been prevented with a 10-minute phone screen. Here's the script we use.

Ask for the license number and verify it on your state board's website. Ask for a current certificate of insurance — not a copy, the actual document emailed from the insurer. Ask who on their team will be on your site every day.

And the one almost no one asks: 'What is the most common change order you write on jobs like mine, and what does it usually cost?' A contractor who has done your project a hundred times will answer in five seconds. One who hasn't will start improvising.