A step-by-step framework for vetting and choosing reputable local pros — so you know exactly what to ask, what to check, and what to walk away from before any money changes hands.
Run these in order, every time. They cost you nothing and protect you from the most common — and most expensive — contractor traps.
In Maryland, most home-improvement work requires an MHIC license. Look it up, confirm it's active, and make sure the name matches who's standing in your driveway.
The three-bid rule isn't about the cheapest price — it's about understanding the real range. A bid far below the others is usually hiding something.
Never hand over a large sum upfront. Know your state's deposit limits, tie payments to completed milestones, and keep final payment until the work passes inspection.
Ask for proof of liability and workers' comp. Get everything — scope, materials, timeline, and warranty — in writing before you agree.
Pressure, "today only" pricing, cash-only deals, and no paper trail are the warning signs that come up again and again.
Reputable pros expect you to ask questions. The ones who don't want you to think it through are the ones to avoid.
Pressure to decide today. Real quotes don't expire in an hour.
Large cash deposit upfront. Especially with no detailed contract.
No license or proof of insurance. Or excuses about why they "don't need one."
Door-to-door "I noticed your roof" pitches. A classic storm-chaser opener.
No written estimate. Verbal-only deals leave you with no recourse.
This is general homeowner guidance, not legal advice. Licensing rules and deposit limits vary — always confirm the current requirements for your county and project type.
The free checklist bundle includes the printable vetting checklist, the questions to ask, and the red-flag reference card.