✅ How to Hire a Contractor Safely

1. Get 3 written estimates — compare pricing, scope, and timelines
2. Verify their license at msboc.us — make sure it's active and matches the work needed. For small jobs under $10K, ask for their municipal privilege license instead.
3. Ask for proof of insurance — general liability + workers' compensation. Verify the policy is current, not expired.
4. Check our badges — 🏗️ New Construction vs 🔧 Service & Repair tells you what they specialize in. 🏠 FORTIFIED means they're trained for insurance-discount roofing.
5. Get a written contract — scope of work, materials, timeline, payment schedule, and a clause requiring your written approval for any changes.
6. Never pay more than 30% upfront — standard deposit is 10-30%. Balance on completion. Use a credit card for deposit protection.
7. Request lien waivers upon final payment — protects your property if the general contractor doesn't pay their subcontractors or suppliers.
8. Check references — ask for recent local projects you can verify, not just online reviews. Location-tethered work matters more than generic testimonials.