by STAFF WRITER Published May 4, 2011 Credit Unions Online
The weather is getting warm and spring and summer projects are coming to mind. From something as small as installing a new sink to making more living space with a room addition to your home, you might need someone else to do your warm weather project. If one of your home improvement project that might require a contractor, keep reading for tips on how to get the best results.
Get contractor references and recommendations from family, friends, neighbors, or anyone else who has had similar work done
Get a minimum of three written estimates
Check for complaints against the contractor through your local/state consumer protection agency
Verify the contractor has the proper licensing
Ask for proof of insurance from the contractor. The contractor should have property damage, personal liability, and worker's compensation insurance
Demand a written contract between you and the contractor that includes timetables, quality of materials, warranties, and names of subcontractors used on your project
Negotiate the lowest downpayment to help protect yourself if the contractor violates the agreement
Make final payment only after you are completely satisfied with the contractors work
Pay using your credit union credit card to help further protect yourself
No matter who you use, when you think home improvement, think credit union for a home equity loan to make the financing part of your home improvement project a breeze. Your friendly local credit union has money to lend and will answer any of your questions about financing your project.