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The truth of the matter is, you really should meet every contractor you're considering to ensure a proper fit. If a contractor is willing to do a "drive by" estimate without a thorough inspection of the project or a full understanding of your expectations, they'll likely complete the project with the same attention to detail. On the other hand, if you're held hostage for 3 hours by a sales rep who's only interest is to have you sign a contract that day for some ridiculous limited time offer, you're likely paying too much. Unfortunately, the good old "get 3 estimates and hire the one in the middle" philosophy is a bad idea as well if you're not comparing identicle services. Also, if you're relying on sites like HomeAdvisor, Angies List or some "Best of" catalog to provide you with a list of reputable and screened service providers, think again. This is a lead source for the contractor and they pay big bucks for this exposure and ranking in exchange for your inquiry and the screening processes are limited at best. The only way to a great relationship is to interview each one, ask questions, and require documented proof, not just lip service. Don't assume they have the proper insurance or are registered with the state. Ask for references and check them. Price is important, but if you don't have a good feeling about a contractor, it's probably not going to end well anyway and the cost will always out weigh the price.
According to HICPA, (Home Improvement Consumer Protection Act), an important expansion of the Unfair Trade Practices and Consumer Protection Law went into effect on July 1st 2009. It holds that for a contract of more than $1,000, the contractor cannot accept a deposit in excess of 1/3 of the contract price, or 1/3 of the contract price plus the cost of special order materials. Many contractors ask for a 50% deposit violating the Consumer Protection Act and leaving the homeowner vulnerable to scams and at risk of losing their deposit. Some contractors may very well have the best of intentions, not all home improvement horror stories are due to fraud. Often they arise from a contractor's bad business decisions leading them to chase deposits in order to complete a previous project. This is a downward spiral and will ultimately leave an unsuspecting homeowner holding the bag.
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