Contractor Check: How to make sure you’re protected when hiring a contractor

Photo via MGN

When you hire a contractor, make sure he or she is licensed through the state (DBPR) and has workers’ compensation (DFS).

Also, ask if the contractor you hire will be the one to make repairs or if a subcontractor will be hired. Make sure you check the license and insurance for all subcontractors as well.

If you’re filing an insurance claim, most homeowners’ policies have a deductible. So if someone tells you they can repair your home at no cost to you, remember nothing is free. (info on insurance deductibles)

Resources

Florida Department of Business and Professional Regulation License Search

Division of Workers’ Compensation Compliance Proof of Coverage Search Page

Hurricane and windstorm deductibles explained

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